BPay connects all your Mongolian bank accounts in one place. Send money to anyone, request payments with QR, and get notified instantly — all for free.
Features
BPay keeps it simple — send, receive, and manage your money across every Mongolian bank from one clean interface.
Send to any Mongolian bank account or IBAN in seconds. No queues, no ATM trips, no fees — from Golomt, Khan Bank, and more coming soon.
Generate a payment request with a custom amount and note. Share your QR — the payer scans and confirms in one tap. Perfect for splitting bills or getting paid for a service.
Get a push notification the moment money lands in any of your accounts. No more opening five bank apps to check.
See your total wealth across all linked banks at a glance. Full transaction history, sorted and searchable, in one timeline.
Scan any BPay QR code to instantly pre-fill the send screen. Works for payment requests and invoice links.
No setup fees. No transaction cuts. No subscriptions for personal use. BPay is free for individuals — forever.
How it works
Available on iOS and Android. Sign up with your phone number — that's your BPay ID.
Add your Golomt or Khan Bank account. Your credentials are stored only on your device — never on our servers.
Type a phone number, IBAN, or scan a QR. Enter the amount, confirm your PIN, done.
Sender and recipient both get an instant push notification when the transfer completes.
Privacy & Security
BPay is built on a privacy-first architecture. When you connect a bank, your username and password are encrypted and stored in your phone's OS-level secure storage. Our backend never sees them — authentication happens directly from your device to your bank's API.
iOS Keychain & Android Keystore — same storage used by your banking apps
Your transaction PIN is encrypted with the bank's own public key before leaving the device
BPay servers cannot initiate any transaction — only your physical device can
Same HTTPS endpoints your bank's official app uses — no middleman
Supported banks
We're systematically integrating every major Mongolian bank. Golomt is fully live. Khan Bank account viewing is active, with transfers in progress.
Pricing comparison
| BPay MN | QPAY | Bank apps | |
|---|---|---|---|
| Setup fee | ₮0 | ₮250,000 | Free |
| Per-transaction fee (individual) | 0% | 1% | Varies |
| Cross-bank transfers | ✓ All banks | ✓ | Own bank only |
| Unified balance view | ✓ | ✗ | ✗ |
| QR payment requests | ✓ Free | ✓ Paid | Limited |
| Push notifications | ✓ All accounts | ✓ | Per bank only |
Join the Mongolians who've already ditched the banking app juggle. BPay is free, private, and gets better every week.