Not tourists, but residents: the NovaPay EU customer profile
13.01.2026


NovaPay EU continues to develop its own financial application, operating in partnership with Quicko sp. z o.o., expanding opportunities for clients who live, work and have ties within the countries of the European Union. Today, it is not just an account or a card, but a daily financial tool for Ukrainians residing in the EU or EU citizens, united by a simple need: to make money work without unnecessary barriers, wherever you are.

Who in Europe uses NovaPay EU

NovaPay EU users are individuals with an active lifestyle who are accustomed to cashless and managing their finances via a smartphone. According to internal statistics, they include residents of Poland, Lithuania, and other EU countries with official employment or stable income from rent, leasing, or their own businesses. They use NovaPay EU to receive funds, consolidate money from various services in one place, and spend it on everyday needs: shopping, services and travel between countries. For many, the NovaPay card has become a universal payment instrument in Poland, Germany, Lithuania, Latvia, Estonia.

Ukrainians residing in the EU Member States as a key audience of NovaPay EU

One of the key audiences of NovaPay EU is Ukrainians who relocated to the EU, primarily in Poland. These are people working in construction, administration, logistics, or earning income from freelancing, project-based work, property rentals or partner programs. Their daily expenses are typical: supermarkets, cafés, food delivery, transport, parking, online shopping and local services. These are regular, small transactions characteristic of life in a European city.

Young people, online income and a digital habit of paying

Among NovaPay EU clients are also young users who earn online through international payment platforms. For them, the NovaPay card is the primary means of payment: food, transport, delivery, services, transfers to loved ones, or between their own accounts. Their financial behavior is simple and transparent: regular income, clear spending, and active use of cashless payments in everyday life.

'NovaPay EU is built around real-life scenarios: individuals residing in an EU Member State, often having ties to multiple countries, and managing multiple sources of income, and having the need to manage money quickly without bureaucracy,' said Victoria Lavrenchuk, Director of International Strategic Development at NovaPay EU. 'NovaPay EU is a financial application for everyday life in the EU: for Ukrainians building a new reality in Europe, and for Europeans who need a simple and reliable financial service without borders.'


About NovaPay EU UAB: NovaPay EU UAB was established in 2022, it is the European brand of NovaPay, part of the NOVA group (Nova Post). With over 13 years of experience in Ukraine, NovaPay was the first non-bank financial institution licensed by the National Bank of Ukraine to open accounts, issue cards, and launch a non-bank payment app. NovaPay EU does not have a license and does not provide any financial services in the EU.

About Quicko: Quicko sp. z o.o.,established in 2009, is a certified National Payment Institution regulated by the Polish Financial Supervision Authority (UKNF). Quicko holds a Mastercard Principal Member issuing license, and provides state-of-the-art card issuing solutions through a multifunctional wallet, SDKs, and API-based services for businesses and individuals across the European Economic Area.