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SEND MONEY TO ANYONEChoose Pivo to send money to anyone easily and securely, for free. All you need is the recipient’s phone number. Try it between friends, for joint gifts or at a flea market. Pivo can be used by customers of any Finnish bank. If the recipient hasn’t downloaded Pivo yet, we’ll let you know, and you can invite them to Pivo.QUICK MONEY TRANSFERDon’t worry about banking days or business hours! When you send money with Pivo, it will arrive in the recipient’s account immediately if the recipient's bank supports real-time payments.SHARE JOINT EXPENSES EASILYCreate a group to Pivo with your friends, roommates, or for example a partner, and you can easily share joint expenses. You get a clear summary of your shared expenses, Pivo calculates how much each one of you owes, and you can pay your shares easily with a single swipe.PAY ONLINEYou can pay in thousands of online stores and apps through Pivo. It’s easy and secure: you don’t have to give your card details to the store, just accept the payment with a single swipe on Pivo.MADE FOR YOUPivo was created in Finland, near our customers, as evidenced by the Key Flag Symbol awarded to us by the Association for Finnish Work. Pivo has 1.2 million registered users and seven out of ten would recommend it to a friend.