Lova is all you need!
The first local e-wallet. An app for paying, sending, and receiving money. Anytime, anywhere. No bank accounts or branch visits. Fast, reliable, and secure. All from your mobile phone.
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What is Lova?
Lova is the first local digital wallet. It's a mobile application you can download for free on any Android or iOS device.
Whether you're receiving, sending, or paying with money, Lova makes it the fastest, simplest, and most affordable way, with just a few taps on your phone screen.
Top up your wallet via bank account, card, eBon/xBon, or Lova voucher. Withdraw funds directly to your bank account or get cash at our partner locations and Nova Bank ATMs. Enjoy unparalleled financial freedom and more features than any other app on the market.
...for public parking, services, and monthly utility bills (electricity, water, heating, phone, internet, and TV).
...funds from friends and family, transfer money from bank or online accounts, and get paid for your products and services.
...cryptocurrencies, xBons, vouchers, mobile top-ups, vignettes, and much more directly from your digital wallet.
Who is Lova for? Everyone, especially those who...
They shop online regularly
From paying utility bills to buying vouchers for gaming operators, you can now make all your online payments from the comfort of your home.
Read moreThey trade cryptocurrencies
Our partnership with BCX exchange allows Lova users to buy the latest cryptocurrencies, sell them, or start crypto savings.
Read moreThey travel frequently
Whether you're paying for parking in your city, buying an eSIM or a vignette for a foreign country, or sending money to the other side of the planet – the Lova e-wallet is the ideal solution for those who are always on the go.
Read moreThey value their time
From registration to every transaction – manage your e-wallet from the comfort of your home, without the need for counters, queues, or stamps.
Read moreThey sell goods or services
Enable your customers to pay for your products or services with Lova and ensure even better sales results.
Read moreThey seek complete security
Enable your customers to pay for your products or services with Lova and ensure even better sales results.
Read moreThey seek complete security
Enable your customers to pay for your products or services with Lova and secure even better sales results.
Read moreSell goods or services
Enable your customers to pay for your products or services with Lova and ensure even better sales results.
Read moreValue your time
From registration to every transaction, you manage your e-wallet from the comfort of your home, without the need for tellers, queues, or paperwork.
Read moreFrequent travelers
Whether you're paying for parking in your city, buying an eSIM or a vignette for a foreign country, or sending money across the globe – the Lova e-wallet is the ideal solution for those always on the go.
Read moreTrade cryptocurrencies
Our partnership with BCX exchange allows Lova users to buy the latest cryptocurrencies, sell them, or start crypto savings.
Read moreThey regularly shop online
Everything from paying utility bills to purchasing gaming vouchers – you can now make your online payments from the comfort of your armchair.
Read moreOur partners


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Fast
Send in seconds - send money from your Lova wallet to anyone else's Lova wallet in just a few seconds.
Easy
From downloading Lova and registering, to making payments, sending, and receiving money – you can do it all yourself, without leaving your home.
Affordable
With free registration and minimal fees, all users gain access to digital BAM and crypto wallets with the highest level of security.

VISA partnership
- Physical debit + digital tokenized card
- (Apple Pay / Google Pay where available)
Deposits
- From a bank account or card
- Via xBon
- Via depositron
- Via Lova voucher or top-up
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Withdrawals
- To a bank account
- At a physical point of sale
- At Nova Banka ATMs

Sending
- Sending and receiving money between users
- Instant fund transfers
- No geographical restrictions
- No waiting, conversions, or hurdles
How does Lova work?
Fast, simple, and secure – so much so that you'll forget about your physical wallet and traditional mobile banking after just seven days of using the e-wallet.


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