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You can pay your friends money or request it from them using a mobile phone and receive it instantly in your bank account.
Transfer money to any contact who has registered for Bizum at no cost at all, whatever their bank may be.
You don't have to give or request the account number to make a payment, you just need the mobile phone number.
Bizum is a service integrated into the Unicaja Banco app and fully backed by our security systems.
1. Be the holder of a bank account
The Bizum service must be associated to a bank account at Unicaja Banco, from where payments will be sent and received.
2. Have the latest version of the Unicaja Banco app installed
You don't need any other application to start using Bizum because this service has been integrated into the latest version of the Unicaja Banco app. Haven't you installed it yet?
3. Register for Bizum:
You only need to access Bizum from the menu of the Unicaja Banco app and follow the steps to register.
If you need further information, find out how to register for Bizum step by step here.
Send money between individuals
You can send money to and request it from individuals who have registered for Bizum.
Buy lottery tickets with Bizum
Purchase lottery tickets or collect your prizes from official state lottery outlets.
Pay at online stores with Bizum
Make purchases at online stores which have joined the Bizum payment scheme. Further information on Bizum payments at stores.
Make donations to NGOs
Bizum allows you to donate money to the good causes and NGOs you consider most important.
Log in to the app
Once you have logged in to the Unicaja Banco app, go to Menu > Bizum and press "Pay".
Recipient and amount
Select the contact you want to send money to from your phone book (or write their telephone number) and enter the amount.
Lastly, confirm the payment. We will sometimes ask you to enter a security code and/or coordinate.
Make purchases at online stores that have joined the Bizum payment scheme quickly and securely.
Bizum is a free service for Unicaja Banco users. It therefore does not involve any fees at present.
Yes, a Bizum can be rejected if you are requested to confirm a charge (what cannot be rejected is reception of a payment).
Thus, a user who receives a request for an unwanted charge can reject it on the Unicaja Banco app.
You just have to select the request in Bizum and press "Reject".
In any case, the transaction will expire once two days have passed after receiving the charge request if it is not accepted.
If you have any problems or doubts, you can get in touch with Unicaja Banco at the Customer Service hotlines 952 076 263 or 900 151 948 Monday to Saturday from 8:00 am to 10:00 pm (except national holidays).
You just need to log in to the Unicaja Banco app and follow these steps to deregister Bizum:
The limits to send money for payments with Bizum between individuals are as follows:
If you send money to a contact who has not registered for Bizum, they will receive a message notifying them that you have sent them an amount of money, along with an invitation to register for Bizum (at any bank which has joined the service). If they do not register within two days, the transaction will be cancelled.
No, it is not possible to make international transfers on Bizum for the time being, since it is a service associated to Spanish bank accounts (with a Spanish IBAN).
No, Bizum can only be associated to a bank account at a single bank. Thus, if you wish to bring your Bizum account to Unicaja Banco:
Once you have logged in to the Unicaja Banco app, press Menu > Bizum > Settings > Change Associated Account.
If you want to help out those who need it most immediately, you can do so using Bizum.
We recommend you deinstall the Unipay Bizum app and start using Bizum directly on the Unicaja Banco app, into which the service has been integrated.
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