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.

The notifications Bizum sends are meant to keep you informed about the service's ongoing processes.
These Bizum notifications are sent to your mobile phone when:

• You receive a payment: it is merely informative
• An individual asks you for a payment: it is the service known as "sharing an expense". For example, a friend pays for a dinner at a restaurant and requests each diner for the amount corresponding to them through Bizum. In this case, a request for payment to each diner is sent through a notification on their mobile phones. By tapping on it, the Unicaja App is opened and after logging in a screen will be displayed to either accept or reject the request.
• A purchase is made on an online store. In this case, you will receive a notification which, once it is tapped, opens the Unicaja App and, once you log in, you can either accept or reject the payment. If this action is not performed, the payment will not be made at the store. If the Push notification is not received and therefore not tapped, the customer must manually open the Unicaja App, log in, tap on Bizum and look for the "Pending Payment" line on the list, tap it and authorise the payment. This action must be done in less than three minutes.

In order to enable these notifications, you must link your device in My Area. This action is done for your own security because, if you have notifications enabled, you will receive important information to manage your Digital Banking service and receive the security codes needed to make your transactions on the linked device.

Log in to your Digital Banking service, enter “More” and sign up for the Bizum campaign you will see in the Draws and Promotions section.

Any transaction you make using Bizum is sufficient to be able to take part in the promotion, whether it be sending money (to individuals/NGOs), receiving money or making purchases at stores.

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.

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.

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.

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.

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).

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.

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:

• First, you will have to deregister Bizum at the Bank where it is enabled.
• You will then be able to register Bizum on the Unicaja app.

Once you have logged in to the Unicaja 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.

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.

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.