When I go shopping, I lug around my purse, keys, cell phone, wallet, and loyalty cards. I’m usually the one holding up the line, scrambling to make a payment! A rewards card will slip out of my card carrier, loose change will fall out of my purse, and I’m all flustered by the end of a trip to the grocery store.

That is until I tried UGO Wallet. UGO Wallet is a free mobile app that allows you to store credit cards and loyalty cards within your smartphone. You can quickly pay for items, collect and redeem rewards points without fumbling through your wallet or purse.

How many times have you made a purchase and forgotten a loyalty card at home? Now you don’t have to miss out on the chance to collect points again, thanks to this convenient mobile app. Even better – any transaction where you could use a tap and pay credit card, you can use UGO – usually up to $100. And it’s as secure as paying with your credit card.

It’s fast and convenient to use, since most times you’re going out with your phone. Running to the store to pick up an item, I can quickly bring my keys and phone and pay with my credit card, without having to pull it out of my purse! Having the app on your phone is a great idea for the summer months when you’re on the go and want to pack light, say at an amusement park or outdoor music festival. UGO Wallet is a smart way to get your purse organized and de-clutter your wallet.

Leave Your Money at Home and Pay with UGO Wallet Mobile Payment App

How does it work?

Downloading the app is easy and takes minutes. Then, add your loyalty cards—travel, retail, grocery store, hotel loyalty and more—to your UGO Wallet by just scanning the card’s barcode.

Loyalty cards can be added instantly. Credit cards take about 5 to 10 minutes to add after processing. You’ll have to add a mobile PIN number to the app as well for security purposes.

Then, when you go shopping, pull up the barcode on your phone and have the cashier scan the barcode. For merchants that have a tap and pay system, simply open the credit card on the app, and scan – just as you would with your credit card.

Leave Your Money at Home and Pay with UGO Wallet Mobile Payment App

Where can I use UGO?

You can use UGO Wallet to make a payment at any merchant who supports contactless payments. Merchants may set their tap and pay limit under $100. Please check with the merchant about their limit. You can also use UGO Wallet to get or redeem reward points wherever the merchant has the appropriate technology at point-of-sale.

The app has a Store Locator so you can quickly see where you can use the app. Make sure your GPS location on your phone is turned on.

Leave Your Money at Home and Pay with UGO Wallet Mobile Payment App


Which credit cards can I use with the app?

You’ll need a participating TD Credit Card, or PC Financial MasterCard (with Rogers Wireless and TELUS Mobility). You can tap to pay at any terminal with Visa payWave or MasterCard PayPass. If you’re a PC Plus member, you can add a PC Plus card along with the participating credit card, tap your phone to pay, and get and redeem PC points. Paying with UGO Wallet is as secure as paying with your credit card.

What do you need to use the app?

UGO requires an NFC SIM to support payments with eligible credit cards on Rogers, Bell, Telus, Koodo and Virgin Mobile. UGO is working on adding more supported networks so stay tuned. What you need to use UGO Wallet and make payments:

  • a compatible NFC-enabled phone (see list below). The app doesn’t work on rooted phones
  • an enhanced NFC SIM card (get it from your mobile carrier)
  • the Rogers Wireless, Bell Mobility, TELUS Mobility ,Virgin Mobile or Koodo Mobile network for your phone

Is the app free?

UGO Wallet is free to download.

Which phones are compatible for payments?

  • HTC One, One M8
  • LG Optimus G2
  • Motorola Moto X (2014)
  • Samsung Galaxy Note 2, Note 3, Note 4
  • Samsung Galaxy S3, S4, S5, S5 Active, S6, S6 edge
  • Samsung Galaxy Mega
  • Samsung Galaxy Alpha
  • Sony Xperia T3
  • Sony Xperia Z1, Z2, Z3


The UGO Wallet app is the first in Canada to combine both payment and loyalty cards in a single digital wallet. Additional partners, loyalty programs and product offers will be added to UGO in the future. Right now, iPhone users don’t have access to NFC payments, but they can use the other features on UGO. If you have any questions, contact UGO Wallet through their app, or by phone on UGO’s toll free number.


Leave Your Money at Home and Pay with UGO Wallet Mobile Payment App


So next time you go shopping, you can leave your wallet at home and just bring your phone and use UGO Wallet. The UGO Wallet app is convenient and easy to use, and love how lighter my purse feels!

Happy Shopping!


Disclosure: This post is sponsored by UGO Wallet. My opinions are, as always, my own.


Maria Lianos-Carbone is the author of “Oh Baby! A Mom’s Self-Care Survival Guide for the First Year”, and publisher of amotherworld.com, a leading lifestyle blog for women.


  1. Robin (Masshole Mommy) Reply

    That sounds like an awesome app to me. I am all for anything that makes my life easier.

  2. We travel a lot and carrying around a lot of money is kind of scary. I need to check into UGO

  3. I recently downloaded GoWallet on another person recommendation. i will have to try both of these programs to see which is better for me. Thank you for writing a wonderful review.

  4. That sounds like a very helpful app! That way you don’t have to carry all of your cards with you when you’re out and about.

  5. A mobile pay app that manages loyalty cards would be fantastic. Hopefully this catches on here in the States also.

  6. This would be great until I forget to charge my phone again… haha. I am one of those too where my purse is a mess and everything is falling out all over the place! And WHERE is that coupon…. 🙂

  7. I get so tired of trying to keep up with all the loyalty cards and always digging through my wallet. This sounds like the perfect app for me. No more searching through my purse!

  8. This would be so convenient. It’s nice to have all of your cards in one spot even if you forget the physical copies.

  9. This sounds like a neat app but I have the iPhone so we have Apple Pay. Pretty much the same idea.

  10. I have never used an application like this, but I am sure it makes things a whole lot easier in the long run.

  11. This sounds like a really neat app. I haven’t heard of this before, but mind you I don’t have many apps, and don’t shop super often! I will have to check it out!

  12. That is so cool! Hubby actually forgets his reward cards sometimes and even his credit card. That would be one handy app for him.

  13. That would be really nice! We always pay with card when traveling but we prefec to have cash with us as well, it is important when you have kids.

  14. What an awesome app! i’ve never heard of it before and i’m totally going to download it asap!

  15. This sounds like a wonderful app.. I always tell the cashier my phone number for most of my loyalty cards. But I like that the app stores everything.

  16. Nice app. I usually use Paypal or my biz debit from Paypal. I’m glad more methods of payment are being implemented in retail.

  17. Keeping up with loyalty cards drives me NUTS! I get anxiety about losing them, then I do, then I avoid the store because I am not getting the best savings possible. Ha!!!! This app sounds like a dream come true. 😉

  18. That’s interesting. They really do have an app for everything nowadays, don’t they? It would be so cool to not have to bring the cards with me every time I left home.

  19. I know that this is for Canadians, but I am hoping that something like it will be available in the States soon. I hate trying to keep track of all those cards.

  20. This sounds like a great app for me.I will download it and start using it right away.

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