Sending a Bizum is as easy as sending a message

You can pay your friends money or request it from them using a mobile phone and receive it instantly in your bank account.


Free for anyone with Bizum

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


You just need the mobile phone number

You don't have to give or request the account number to make a payment, you just need the mobile phone number.


Secure payment integrated into Digital Banking

Bizum is a service integrated into the Unicaja Banco app and fully backed by our security systems.

App Unicaja Banco

What do I need to enable Bizum?


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? 


Download the Unicaja Banco app from Apple Store

Download the Unicaja Banco app from Google Play


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.



How to send a Bizum on your Unicaja Banco app


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.


Payment confirmation

Lastly, confirm the payment. We will sometimes ask you to enter a security code and/or coordinate.

Bizum security tips

Frequently asked questions about Bizum

What fees does Bizum charge?

Bizum is a free service for Unicaja Banco users. It therefore does not involve any fees at present.

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 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.

Who should I contact if Bizum doesn't work?

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). 

How can I deregister Bizum?

You just need to log in to the Unicaja Banco 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.

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: €2,000.
Aside from payments between individuals, Bizum allows you to make online purchases or donations to NGOs.

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. 

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 Banco: 


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

Once you have logged in to the Unicaja Banco 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.

What happens if I the have the Unipay Bizum app installed?

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.

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

  1. Once you have logged in to the Unicaja Banco 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 Banco app itself. If it is to collect a prize, you won't have to validate anything.

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