BIZUM
I owe you money? No worries, I’ll pay you through Bizum.
Bizum: a new safe and simple way to send and receive funds through your mobile.
Mobile payments
What for?
Well, maybe you're buying or paying for something jointly with a few other people: such as a gift or dinner at a restaurant? Because we know it's a lot of bother trying to get all the cash together.Who?
From all the people who are registered in Bizum. Most banks have joined the scheme and if the recipient isn't registered, they'll get an invitation to register free of charge.How?
The money is sent from your current account to the recipient's account, or vice versa. You don't have to key in the account number, just the mobile number.From how much?
From €0.50 to €1,000. Or, to put it another way, from as little as the office lottery to a weekend break.What does it cost?
Bizum is free of charge. You don’t pay anything to register, or to send and receive money.Which countries does it work in?
In addition to Spain, you can use it with your contacts who have accounts in Italy, Portugal and Andorra.Do you want to transfer your Bizum to Bankinter? Do it in just a few clicks
Payments for your online purchases
If you have registered on Bizum, you can now pay for online purchases quickly and securely. If you want to make any online payment, simply choose Bizum as a payment option on the business's website, enter your mobile phone number and authenticate the purchase with Bankinter.
Do you know about Bizum for minors? If they're old enough for a mobile phone, they're old enough to use Bizum.
Trusted beneficiaries.
Discover all Bankinter's products and services
Account comparison tool
Compare the conditions of all our accounts at a glance.Not sure how to choose the best bank account?
Discover our guide on making better financial decisions and choose the account that suits you best.Financial Aggregator
Add all your accounts to the Bankinter website and app so you can keep track of them all in one place, at a glance. Also in other currencies.Conditions
FAQs
Can I send funds to anyone?
Yes, if you send funds to, or request funds from, a person who is not registered, a message will be sent to their mobile; if they register with any of the entities participating in the system within two days, the money will be sent. If they do not, it is cancelled.
If I am a customer of two banks, can I choose which bank I make the payment through?
You choose the bank when you register for the service, and payments will always be made through the account linked at that time.
If I have two mobile phone numbers, can I associate each one with a different bank?
Yes. A person can register two or more mobile phones, one with each bank, associating each mobile to a different account in each bank, enabling the user to issue, request and receive payments in different banks.
Can I send funds to a person who lives outside Spain using an international mobile?
Yes. At present, the service only works at the national level and in Andorra, exclusively with participating Spanish banks.
Can I change my entity to receive payments?
Yes. If you are registered with another entity and would like to change your Bizum billing account to your Bankinter account, you just have to order this. Bankinter will process the portability at no charge.
Can I send myself funds between accounts in the same bank?
Yes, as long as the receiving account is the one associated with the system registration.
What happens if an account has two or more holders?
Nothing. Several owners can use the same account. However, each owner must associate their mobile number and tax ID number (TIN) with it.
FAQs
Can I send funds to anyone?
Yes, if you send or request funds from a person who isn't registered, they'll receive an SMS and will have two days to register with the system (through any participating bank) for the funds to be sent or requested. If they don't sign up, the transaction will be cancelled and if you sent funds they will be returned to your account.
If I am a customer of two banks, can I choose which bank I make the payment through?
No, when you register a phone number in Bizum you will have to choose the bank to which you want to link it and your payments will always be made through that account. If you want to make payments from another bank account, you will have to switch and link your Bizum to that account.
If I have two mobile phone numbers, can I link each one with a different bank?
Yes. A person can register two or more mobile phones, one with each bank, associating each mobile to a different account in each bank, enabling the user to issue, request and receive payments in different banks.
Can I send funds to a person who lives outside Spain using an international mobile?
Yes, if you live in Andorra. At present, the Bizum service only works in Spain and in Andorra (with the participating Spanish banks).
Can I change my entity to receive payments?
Yes. If you are registered with another entity and would like to change your Bizum billing account to your Bankinter account, you just have to order this. Bankinter will process the portability at no charge.
Can I send myself funds between accounts in the same bank?
Yes, as long as the receiving account is the one associated with the system registration.
What happens if an account has two or more holders?
No problem, you can all use Bizum. Several holders can use the same bank account simply by registering their phone number and TIN with it. Which means that you can link Bizum to each phone number registered with your account.