Sending a Bizum is as easy as sending a message

Pay or request money on your mobile phone and receive it instantly in your bank account.


Free for anyone with Bizum

Transfer money to anyone who has registered for Bizum at no cost at all, whatever their bank may be.


You just need the mobile phone number

It is not necessary to give the account number to make a payment, just the mobile phone number or your phone book contact will suffice.


Secure payment integrated into Digital Banking

Bizum is a service that is fully backed by our security systems.

¿Qué necesitas para usar Bizum?

What do you need to use Bizum?

Just a bank account, the Unicaja app and register for Bizum on the app. You don't have to install anything else. You can download the application below. If you already have it installed, remember to keep it updated to get the most out of all its functionalities.

Disponible en Google Play - Unicaja Banco
Disponible en App Store - Unicaja Banco

And if you already have the Unicaja app, access Bizum and try it out.


Send money without paying any fees

Bizum is a free service for Unicaja users. It therefore does not charge any fees.


Pay with Bizum at online merchants

Make purchases at online merchants that have signed up for Bizum payments without having to enter your account or card number.


Buy lottery tickets with Bizum

Buy lottery tickets with Bizum or collect your prizes from official state lottery outlets.


Make donations to NGOs

Bizum allows you to donate money to the good causes and NGOs you consider most important.

Paga también tus compras online de forma cómoda y segura

You can also pay for your online purchases easily and conveniently

Bizum is a secure, quick and very easy-to-use way of paying for your purchases at online merchants which have this payment method available.

Bizum - Tan sencillo como esto

It's as simple as that

  • icono-check-negro
    Choose Bizum as the payment method when paying for your online purchases.
  • icono-check-negro
    Enter your mobile telephone number.
  • icono-check-negro
    Authorise the transaction by logging in to the Unicaja app and entering the code that you will receive by SMS.
  • icono-check-negro
    Don't forget to go back to the online merchant to finalise the payment.


Frequently asked questions about Bizum

How do I send money using Bizum?

Once you have logged in to the of Unicaja app perform the following steps:

  1. Select 'Send Bizum'.
  2. Press 'Pay'.
  3. Select the phone book contact to whom you wish to make the payment or enter their mobile telephone number directly and press 'Add'.
  4. Enter the amount you wish to pay, and press 'Continue'.
  5. Add the payment's purpose and press 'Continue'.
  6. Check that the data are correct, and press 'Continue' to send the money.

We will sometimes ask you to enter the security code and/or a coordinate for your own security.

What are the limits to send money through Bizum?

The limits to send money for payments with Bizum between individuals are as follows:

  • Amount per transaction: minimum of €0.50 and maximum of €500.
  • Number of transactions per month: 60 transactions sent and 60 transactions received.
  • Maximum daily amount: €1,000.

Aside from payments between individuals, Bizum allows you to make online purchases or donations to NGOs.

Are there any maximum and minimum amounts for making payments with Bizum at online merchants?

The minimum and maximum amounts set by Bizum for making payments at online merchants are as follows:

  • Minimum and maximum amount for each payment transaction: minimum of €0.50 and maximum of €1,000.
  • Maximum amount for daily payments: €1,000.
  • Maximum amount for payments in a calendar month: €6,000.

Can a Bizum be sent to someone who doesn't have it?

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.

Can a Bizum be rejected?

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 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.

Who should I contact if Bizum doesn't work?

If you have any problems or doubts, you can get in touch with Unicaja 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).

How can I deregister Bizum?

You just need to log in to the Unicaja app and follow these steps to deregister Bizum:

  • Press Menu > Bizum > Settings.
  • Select "Deregister Bizum".
  • You will then have to confirm deregistration by entering a coordinate from your coordinates card and a security code we will send you to your mobile phone.

Is it possible to use Bizum to make international transfers?

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).

Can one have Bizum at two banks?

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:

How can the bank account associated to Bizum at Unicaja be changed?

Once you have logged in to the Unicaja app, press Menu > Bizum > Settings > Change Associated Account.

How can I donate to an NGO using Bizum?

If you want to help out those who need it most immediately, you can do so using Bizum.

  1. Choose the "Donate to NGO" option in Bizum.
  2. Enter the campaign identifier (you can query NGO identification codes here).
  3. Enter the amount you wish to donate.

How can payments be made, or money collected at an official lottery outlet with Bizum?

  1. Once you have logged in to the Unicaja app, go to Menu > Bizum > Generate QR Code.
  2. Show the QR code to a member of the outlet's staff for them to scan it.
  3. Confirm the payment transaction on the Unicaja app itself. If it is to collect a prize, you won't have to validate anything.

Other Unicaja products and services offering incredible advantages

Have a look at everything Unicaja can offer you to get the most out of your savings.

Pay using your mobile phone

You no longer have to carry around your Unicaja cards because you can pay using your mobile phone. Do you want to know how?

Digital Banking

Deal with any unforeseen circumstance quickly and easily by increasing the balance in your account using your card's available credit.

Can we help you?

Also at 952 076 263 or through the contact form.

Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

We also put other contact methods at your disposal: