Mo.one at Tempo

Hello, and thank you for your interest

You sign up, connect your bank and then pay at Tempo by tapping your phone. The money goes straight from your account, with no card and no intermediary between you and the shop.

Win an iPhone 17 coming soon, and anyone who signs up now can take part Stardust a reward for paying that turns into money

A regulated Czech payment institution licensed by the Czech National Bank. .

Win an iPhone 17

iPhone 17

The competition and its rules are being prepared. We will let you know by e-mail and in the Mo.one app when it starts.

You will find the rules and the entry form in the Mo.one app once you finish signing up there.
Anyone who signs up now can take part as well. You lose nothing by signing up already.

What Stardust is

Points for ordinary paying that turn back into money every month. No coupons, no scanning receipts and no extra sign-up.

You collect just by living. A coffee, the shopping, lunch. Every payment through Mo.one credits the points by itself.
In the app you see how many points you have, how much is due for payout and which challenges are running this month.
The points turn into koruna and arrive in your account.

What you spend does not change; we send a share of every payment on out of our own. More about Stardust

About Mo.one

For every card payment the shop pays a fee, and a large part of it ends up outside the Czech Republic. Up to 25 billion koruna a year leaves Czech retail this way. It used to be a necessary tax on convenience; today a payment can go directly from account to account, with no intermediaries in the middle.

We are a purely Czech company licensed by the Czech National Bank and we build payments so that this money stays here. With the shop and with you.

We do it for money too - we feed families like everyone else. But also because we want something to be left behind us for our children. That is why, alongside payments, we are preparing a secure chat and a fair marketplace. It may sound naive. We think this is exactly how payment technology should be built.

We would be glad if you gave us your trust and tried it with us.

How you get to paying

You can go through them all right here in your browser. You can download the app, but it is not required. You can pay as soon as your bank is connected; the fourth step is optional.

Sign up

An e-mail and a password in the form at the bottom of the page are enough. You will get a confirmation e-mail.

Download the app or use it in your browser

You sign in with the account you have just created. The app is not required, Mo.one runs in a browser too.

Connect your bank

You choose your bank and confirm the connection in its app on your phone. From this step on you can pay.

Verify with your ID card unlock Mo.one fully

Without verification you run in Mo.one Lite mode. You can pay at Tempo, but you do not collect Stardust and a single payment can be at most 1 000 EUR, roughly 25 000 Kč.

Done At Tempo you then simply tap your phone and confirm the payment.

Your bank

When we started, we kept hearing the same sentence: the banks have it wrong technically, it is unfriendly for users and you will never persuade them to agree on anything or fix it. It was true. Even so, over two years of work we connected to all of them.

We wrote down what each bank has wrong and sent it to the Czech National Bank. The ČNB agreed with us on every point and issued an opinion on what connecting an account should look like. Five banks set a remedy date on that basis. With four we had to file an action; with two of them we then met and reached agreement, and with two the proceedings are still running.

That is why there are two columns. We do not want to leave you guessing what awaits you at your bank.

We recommend starting with these

Connecting takes a few taps.