Wallet & Top-ups

Your MOBY Wallet keeps your riding experience smooth by avoiding lots of small card charges. You top up your wallet, and all ride costs are deducted from your balance automatically. Here’s how your wallet works, how top-ups are triggered, and what to expect if your balance runs low.

To start any ride, your wallet must have at least €5.

This applies even if you have an active pass or subscription.

(You always need the minimum balance available before unlocking a bike.)

When you first register, your balance is €0, so a top-up is required before your first ride.

The minimum top-up amount is €5. Every top-up over €10 includes bonus credit:

The more you top up, the more bonus credit you receive. Wallet credit cannot be withdrawn or transferred to another user.

Whenever you ride:

Your updated balance is shown on the home screen after each ride.

Auto Top-Up makes sure your balance never runs out mid-ride.

If Auto Top-Up is enabled, your wallet will automatically top up by €5 whenever your balance falls below €3. This keeps your balance above the minimum amount required to ride. Auto top-ups appear as standalone charges in your bank, and are not tied to a specific ride.

You can enable or disable Auto Top-Up at any time inside the app.

Here’s how low balances are handled:

You can continue riding, but you cannot start a new ride until you top up.

Your ride will automatically end for safety and you must top up before starting another ride.

We accept:

We do not accept:

These card types often fail verification and cannot be used for wallet top-ups.

If your wallet balance doesn’t update or the top-up failed, see:

Wallet Issues — Top-Up Failures, Balance Not Updating, Auto Top-Up