Send Money.
Kuikly.
The fastest way to send money to the people you care about. No IBAN needed, just a phone number. Kuik works inside your bank's app - you select a contact, enter an amount, confirm, and it's done.
Instant
Money in seconds
Secure
Bank-grade security
Simple
Just a phone number
Raiffeisen Bank Albania
Raiffeisen Bank Kosovo
Everything you need.
Only a phone number
No IBANs, no long details. Just the person's number.
Instant transfers
Money is sent and received in seconds, 24/7.
Secure & trusted
Built and secured at banks you trust.
For everyone
Send, receive and split money with friends, family and businesses.
Five easy steps
Send money. Kuikly.
Kuik works inside your bank's app. If your bank is a Kuik partner, you already have it.
Open your bank app
Find Kuik inside your bank's mobile app. No separate download needed - unless you prefer the standalone Kuik app.
Select a contact number
Choose a contact or enter any mobile number. Kuik finds the right bank account automatically - no IBAN needed.
Enter the amount
Type in how much you want to send. Check the details before confirming.
Confirm with PIN or fingerprint
One tap to confirm. Your bank's security keeps you safe.
Done - money sent instantly
The recipient gets a notification and the money in seconds. Available 24/7, every day of the year.
270K+
Users
€13M+
Annual volume
+30%
YOY growth
260K+
Transcations / year
2 Countries
Albania + Kosovo
kuik.me
What you can do with KuikEverything you need. Just your phone.
Kuik lets you send money, pay at shops, and checkout online - all from your bank's app. No cash, no card, no IBAN.
Send money
Got a friend to send money to? Select their contact number, enter the amount, and it's done - in under 10 seconds. Any time, any day.
Request money
Need to split the bill or collect funds? Send a money request to anyone in seconds. They'll get a notification, tap to approve, and the money lands in your account instantly. No awkward reminders, no chasing payments.
Split bill
Split the bill with friends in seconds. No awkward math, no IOUs. Just scan, split, and pay - everyone gets their fair share instantly.
P2P transfers between individuals are free. Merchant payment fees may apply depending on your bank's commercial arrangement with Mpay.
Yes. Kuik uses bank-grade security: PIN, OTP, and device binding. Your account details are never shared with the recipient. Mpay is ISO 27001 certified and licensed by the Bank of Albania.
Cross-border payment roaming is on our roadmap via EMPSA interoperability. Currently Kuik operates in Albania and Kosovo. International corridors will activate as EMPSA bilateral agreements are signed.
Transfer limits are set by your bank in line with Kuik's framework. They're designed to cover everyday use including rent, bills, and business payments. Contact your bank for your specific limits.
They need to be registered with a Kuik-partner bank. If they're not registered, they'll receive an invitation to join the network.
Payments are credited in under 10 seconds, 24 hours a day, 7 days a week, including public holidays.
Contact your bank's customer support immediately. Kuik processes instantly, so speed matters - your bank will guide you through the recovery process.
Yes - Kuik is available on both the App Store and Google Play. However, the primary experience is embedded inside your bank's mobile app for the most seamless integration.
Your security
is our priority
Kuik uses the highest security standards to keep your money and data safe.
Bank-grade security
Your money is protected.
Encrypted transcations
End-to-end encryption always.
Monitored 24/7
Advanced fraud prevention.