Setting Up an Account and Verifying Your Identity

The welcome screen is where a Fiz account begins, asking new users to type in a phone number, an email address and a password they have picked. An SMS delivers a one-time code so the app can check that the number belongs to the person registering, and it usually arrives within seconds on most networks. The next stage asks the user to enter a name, a date of birth and a photograph of a government-issued ID like a passport or driving licence. Some users already have a verified profile through a partner platform, which lets them skip this last step and head straight to the dashboard.

How quickly verification finishes depends on the clarity of the ID photographs when they upload and on how busy the review queue is at that moment. Most accounts are cleared within a few hours, although weekend submissions can take a little longer because fewer staff are on duty. Once approved, the app unlocks higher transfer limits and access to the gift-card catalogue. Even while waiting, people who only need occasional small top-ups can send limited amounts, so the basic feature stays usable from day one.

With Fiz, a digital wallet on a phone, people can send money to friends, pay bills, top up mobile credit and buy gift cards in one place. The service is built around three core activities that anyone can perform in a few taps, and each one suits a different spending habit. Before opening the app, it helps to know which combination of features matches the way you actually use money day to day. First-time users can find a starting point without scrolling through screens by glancing at the main menu on https://fiz-online.uk/, where transfers, top-ups and gift cards are laid out.

How to Send Money to Friends and Family

On the transfers screen, the user enters a recipient's phone number or a saved contact, then the amount and a short optional note. Money moves from the sender's wallet balance to the recipient almost immediately when both accounts are active, and a push notification confirms the arrival. Funding a transfer directly from a linked bank card is also possible, but a small processing window may apply while the bank clears the payment.

How soon the recipient sees the funds and whether the sender's available balance shifts immediately both depend on choosing wallet balance or a bank card. Wallet-to-wallet transfers feel instant and are useful for splitting restaurant bills or repaying a loan between friends. For people who only want to top up the wallet when they need it, card-funded transfers work better than parking spare cash inside the app. Payments that repeat, like a monthly slice of rent, can be scheduled on a chosen day so they go out without any manual input.

Scheduling, Auto-Pay and Manual Bill Control

The bills section groups utilities, broadband, subscriptions and council tax into a searchable list, with each provider showing the reference number field the user needs to fill in. Adding a bill saves those details for future payments, so electricity in month one and the same bill in month two take the same number of taps. A calendar view shows upcoming direct debits and one-off payments, which helps people spot overlaps and avoid accidental double payments when a bill date shifts.

Saved bills can be switched to auto-pay for anyone who prefers to automate their outgoings, and the wallet settles the amount on the due date from the available balance. Those who like to review each charge first can leave bills in manual mode and pay them a day or two before they are due. Notifications can be turned on for every payment or only for amounts above a user-set threshold, keeping the alert list manageable for people who pay many small subscriptions.

Choosing Gift Cards by Value and Delivery

Hundreds of retailers, gaming platforms and streaming services fill the gift-card catalogue, with each card showing its currency, denomination choices and delivery method, whether by post or email. Choosing a brand opens a screen where the buyer picks a value, writes a personal message and selects the delivery method. Physical cards ship from a warehouse and take a few working days to arrive, whereas email cards usually land in the recipient's inbox within a minute.

Three differences set brands apart: the denominations on offer, the delivery speed and whether the card can be reloaded for repeat use. A £25 gaming card delivered by email suits a last-minute birthday, whereas a higher-value department-store card sent by post feels more like a proper present. Partial spends are allowed by some brands, leaving any leftover balance on the card for another shop, whereas others require the full value in one transaction, which matters for budgeting.

Choosing Top-Ups and Data Bundles

The mobile top-up screen recognises the network of the inserted SIM and suggests suitable bundles alongside the standard airtime options. A £5 or £10 top-up is enough for users who only need a small boost before a long call, though heavier users often go straight to a data bundle that lasts thirty days. Each option shows how many minutes, texts and gigabytes it includes before the buyer confirms, so there are no surprises after the credit lands.

Top-ups bought through Fiz sometimes include a small bonus for regular customers, such as extra data on a seasonal bundle, although offers change throughout the year. People who travel often can store a secondary SIM in the app and switch between top-ups for each one, sparing them from remembering separate accounts abroad. Every top-up, along with its date and amount, is recorded in a history tab, which is useful for expense reports or for simply tracking mobile spending.

Keeping the Wallet Safe and Recovering Access

Behind a profile icon, the security settings offer a PIN code, biometric login and the option to end any active session on another device. Turning on biometric login means the wallet opens with a fingerprint or face scan, which is faster than typing a PIN each time. If a phone is lost, signing in on a new device automatically ends sessions on the old one, provided the user remembers their login details.

Because reset codes travel through a current phone number and email, those contact details need to be linked to the profile for account recovery. People who change numbers should update the contact field before the old SIM stops working, otherwise they may face a longer verification process later. Enabling purchase confirmations for transfers above a chosen amount adds another prompt before money leaves the wallet, which is a small habit that catches accidental sends.

Fees, Free Allowances and Promotions

Fiz publishes a fee table inside the help section, listing the percentage or flat charge for each type of transaction and the daily and monthly caps that apply. Up to a set monthly limit, standard wallet-to-wallet transfers between friends are usually free, with a small percentage applying after that. Before the sender confirms, international transfers list the exchange rate and any corridor fee, so the final amount received at the other end is never a mystery.

Matching each activity to the cheapest route and keeping an eye out for seasonal promotions is how good value is achieved. Funding a transfer from a loaded wallet balance costs less than using a card, which is why people who pay several bills a month may benefit from topping up first. Gift cards bought during a brand promotion sometimes include extra credit, and mobile bundles bought in advance of a price change lock in the lower rate. A quick monthly check of the promotions page is often enough to catch the worthwhile deals.

Choosing Fiz, a Bank or a Remittance Service

People who split everyday costs with friends, manage a handful of monthly bills and occasionally buy gift cards or top up a mobile will find Fiz works best for them. Anyone mainly needing business invoicing, high-volume trading or specialist investment tools may find the wallet too consumer-focused for their needs. Comparing the FX rates against dedicated remittance services is wise for heavy international senders, because corridor fees can differ sharply.

Anyone who prefers face-to-face banking, cash handling and branch services will find a wallet-only approach limiting, no matter how polished the app. Combining Fiz with a traditional bank account tends to give the most balanced setup, because the bank covers cash and standing orders while the wallet handles quick digital tasks. This way, the app turns into a useful everyday companion instead of a replacement for every financial habit.