Send and receive money instantly on the Unicaja Banco app
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.
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?
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:
First, you will have to deregister Bizum at the Bank where it is enabled.
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