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About the application:

Share payments with mates like you share everything else, as fast and simple as sending a text. Smoooth. By Klarna Bank AB. ...more... HOW IT WORKS Sign up in seconds with your telephone number Connect any European card or bank account Send or request cash to anyone instantly, with no fees WHAT KLARNA WAVY CAN DO FOR YOU REQUEST MONEY WITHOUT THE AWKWARDNESS Sharing meal, splitting a bill or lending to a mate? Send a request. Wavy takes care of the rest with gentle reminders so you don’t have to. SEND MONEY WITHOUT THE HASSLE It takes a few taps to transfer cash in real-time, safe and totally gratis. Use your card, bank acc or Wavy balance. ADD YOUR FAVOURITE GIF OR INSIDE JOKE Make them smile with a GIF, a sticker or just a note that only they will receive. It’s not business, it’s private. KEEP TRACK EASILY Throw away the notebook. See what you paid, what you owe and mates owe you all in one put in the apk. SEND IT DIRECT OR AS A MESSAGE Find mates in the apk or share the payment as a safe link over WhatsApp, Messenger or however you usually talk to your mates. GET PAID BY ANYONE Share your special Public Profile link so anyone can send you cash. Good for selling online or collecting for a group show. KEEP MONEY IN YOUR MOBILE WALLET Let it pile up, send it, or money out your ewallet balance any time to any European bank account. TRAVEL WITH FRIENDS WITHOUT STRESS Free cash transfer across Europe countries. Excellent on the street or sending cash securely to mates abroad. Klarna Wavy is accessible in 31 countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom The legal bit: To have infinite access to the apk, you must be 18 or over and have a bank acc or credit card issued by an EU country.