How to begin?

To make secure payments via mTasku, you must first establish your identity in the mTasku app via Mobile-ID, Smart-ID or a bank link. You can also automatically personalise other cards related to your identity, such as Ühiskaart.

Please note that upon installing mTasku you must have mobile internet turned on, even if you use Wi-Fi.

How to begin?



How to add cards?

How to add cards?

You can add all your Visa or MasterCard bank cards that allow online payments to mTasku. If you have any loyalty cards, you can add them as well – it does not matter if you have a plastic copy or acquired a new one.

It takes only a few clicks to add both a bank and loyalty card. To this end, please open the mTasku app and click on the ‘Add card’ icon in the upper right corner.

Then select the appropriate card from the list, click the ‘Add’ button next to it, and follow the on-screen instructions.



How to use payment and loyalty cards?

Scan the QR code at the checkout or tap the NFC tag on your phone. Both the discount card and the bank card open automatically in mTasku, so you do not have to look for several cards in your wallet.

Choose a suitable payment method via mTasku and click ‘PAY’.

If there is no mTasku payment solution available at the service point, you can present your loyalty card with mTasku and use an alternative payment method (physical bank card, cash or invoice).

How to use payment and loyalty cards?


Ühiskaart in mTasku


  • What do I need to use Ühiskaart in mTasku?

    In order to use the Ühiskaart service in mTasku, you need to replace your regular SIM card with a more secure NFC SIM card. Currently, Telia is the only NFC SIM card provider in Estonia. Buy an NFC SIM card from the nearest Telia shop, the online store of Telia or the online store of Diil.

    You can use Ühiskaart in mTasku with all phones running on Android 5.0 or newer operating system (except for Nexus, OnePlus and CAT), having an NFC support and an NFC SIM card installed. With Sony smartphones, you can use Ühiskaart in mTasku only if you are not using any other NFC-based payment apps (e.g. bank apps).

    At present, only the contractual clients of Telia and Diil, as well as the users of the Diil, Super, Simpel calling cards can use Ühiskaart in mTasku. The clients of Telia and Diil can activate a previously NFC SIM card in the self-service. The users of Diil, Super, and Simpel calling cards must visit a Telia shop to activate an NFC SIM card. If you are a client of another operator, you must contact a Telia shop and select Telia or Diil as your mobile operator in order to obtain a SIM card with NFC support.

    What is an NFC SIM card?

    Your phone’s NFC is needed to establish a connection between the validator and the phone and its app.However, an NFC SIM card is required for secure storage of data related to apps, services, and users, as well as for submitting to an external device through NFC.

    An NFC SIM card functions in your phone like a regular SIM card or a Mobile ID SIM card. It can be used for several years and there is no direct need to replace it until the card is damaged or until the current card does not fit in the new device. In the near future, NFC technology will provide the opportunity to add identity documents, employment certificates, and office and home keys to mTasku.

    You can check the presence of an NFC SIM card in your phone in the mTasku app settings.

    Where can I use Ühiskaart via mTasku?

    At present, you can use Ühiskaart via mTasku in the public transport of Harju County, Tallinn, Tartu, and Pärnu (except for trains). The possibility of use in other regions will be added in the near future.

    How to add Ühiskaart to mTasku?

    To add Ühiskaart, tap ‘Add a card’ in mTasku, select ‘Transport cards’, add Ühiskaart and accept the terms and conditions. Ühiskaart in mTasku costs €2 and is valid for 2 years, after which you need to re-purchase the card. You need to pay a service fee of €0.32 when purchasing the card. After paying the card fee, Ühiskaart via mTasku will appear in the list of cards you have added. Upon purchasing Ühiskaart via mTasku, your card will be personalised, which provides you with the opportunity to use all the travel benefits assigned to you and connect the digital Ühiskaart via mTasku to your physical Ühiskaart.

    Mobile internet must be enabled on the phone at the time of ordering. This is required in order to download the Ühiskaart app to the NFC SIM card. The loading process may last up to 3 minutes. Ühiskaart is ready for use when the NFC ‘waves’ are displayed in the upper right corner of the card.

    How to use Ühiskaart in mTasku?

    To validate Ühiskaart via mTasku, swipe your phone in front of the validator.

    • If you use several payment apps in your phone, we recommend that you open Ühiskaart in mTasku before validation. For validation to function, make sure the NFC ‘waves’ are visible in Ühiskaart via mTasku.
    • If you do not use other payment apps and mTasku is the default payment app in your phone settings, simply swipe the validator with your phone to validate Ühiskaart. You can do so even when the phone battery is low or you have no Internet connection.

    It is also important to know where the NFC antenna of your phone is located. Different phones may have different NFC antenna locations: the NFC antenna is usually on the back of the phone, but some phones have it on the top edge or behind the screen. If you try to validate Ühiskaart with the wrong side of the phone, the validation will not work and the validator will display the message ‘Unknown card’. Do not worry and try again with the other side of the phone.

    What else can you use Ühiskaart in mTasku for?

    You can also transfer money to Ühiskaart in mTasku by opening Ühiskaart and following the instructions. In addition, you will see an overview of the amount of money you have loaded on your card in mTasku as well as your valid tickets, if you have purchased them on your physical card.

    More information about using Ühiskaart in mTasku

    • You can check the Android version and update it as needed from your phone settings.
    • If you replace your SIM card with an NFC SIM card, you need to apply for the Mobile ID certificates again. See the guide on how to activate the SIM card and update Mobile-ID for more information.
    • If you change your phone, you can restore mTasku, and Ühiskaart will be automatically restored in mTasku. If you change the SIM card, you must delete and re-add Ühiskaart after restoring mTasku. If you accidentally delete a valid Ühiskaart from mTasku, you can also re-add the card and continue using it. The restoration of Ühiskaart is free for you.

Gift cards


How do I buy and give gift cards as presents?

To purchase a gift card, open the mTasku app and go to the ‘Gift card’ sub-menu from the ‘Add card’ menu and select the appropriate gift card.

Then choose the value of the gift card you want to purchase and pay with a suitable bank card.

To give a gift card, open the corresponding card and select ‘Forward’.

If you send a gift card from mTasku with a greeting message, the recipient will be notified by SMS. The recipient must then open the mTasku app and establish their identity via their phone number.

You can give a gift card as a present in a total amount or in part, and there is also an option to forward a gift card that has been given to you or partly used to another person.

If necessary, you can withdraw the gift card. To this end, click the ‘Withdraw’ button in the ‘Gift’ box located below the sent gift card. The recipient of the gift card will receive the corresponding SMS.


How do I pay with a gift card?

To pay with a gift card, scan the QR code at the checkout or tap the NFC tag on your phone and select a suitable gift card as the payment method.

If you use only a part of the amount on the gift card, you can use the remaining amount later.

If the purchase amount exceeds the value of the gift card, an additional payment must be made according to the payment options of the point of service, either with mTasku, a physical bank card or in cash.

The validity of gift cards depends on the service provider.


How do I use the donation environment?


mTasku offers you a convenient way to make donations with just a few clicks and without entering the Internet Bank or without having cash.

You can find the donation environment by clicking ‘Add card’ and selecting ‘Charity’. You will then see a list of all the charity funds and can make a suitable choice.

To donate, add a card from a suitable charity fund to your mTasku or open the QR scanner in the app and point the phone’s camera at the mTasku QR tag. Then select the appropriate payment card and the amount to be donated and confirm the donation by clicking the ‘Pay’ button.

In mTasku, you can make a donation in three ways:

  • Using the QR code of the charity fund, which can be found, for example, on donation collection boxes, posters, on the Internet, etc. To donate, scan the QR code with mTasku, select the appropriate payment card and the amount to be donated and confirm the donation by clicking the ‘Pay’ button.
  • You can also donate directly from the app – open the detailed view of the card and press the ‘Donate’ button.
  • If you prefer a permanent donation, you can conveniently formalise it directly in mTasku. You can find the permanent donation box under the card of a suitable charity fund.

How do I pay with mTasku in online stores?


With mTasku you can pay in online stores without logging into the Internet Bank and without entering bank card data.

If payments with mTasku are allowed in the selected online store, you will see the mTasku symbol in the shopping cart next to other payment methods.

After pressing the mTasku symbol, the QR code will appear on the screen. Then proceed as in a regular store – open the app, scan the code, and select the payment card.

If you make a purchase with a smartphone, then after clicking on the mTasku symbol the mTasku app will open automatically and you can continue with payment.


What do users and partners say about mTasku?