Bizum
Bizum: A free, instant bank-linked payment service for users of participating Spanish banks. Ranked #44 of 89 in Mobile Payment Apps by our editors (4.4/10); pricing: Free plan; best for spanish users needing free bank-linked transfers.
At a glance
- Editor score4.4 / 10
- PricingFree plan
- Best forSpanish users needing free bank-linked transfers
- Free planYes
- Paid fromFree
- Founded2016
- Facts checked25 Sep 2026
Where it wins
- Instant transfers using a recipient’s mobile number
- Supports requests, merchant payments, donations and digital ID
- Available on iOS and Android through participating banks
Where it doesn't
- Requires access to a participating Spanish bank
- Transaction limits and policies vary by bank
- Does not support scheduled transfers
Our verdict on Bizum
Bizum is a mobile payment service promoted by participating Spanish banks. Individuals use it through their bank’s app to send or request money with a mobile number, with funds typically arriving in seconds. It also covers online purchases, recurring payments with participating merchants, donations, State Lottery and Betting Administration payments, and digital identification. Bizum Pay or some banking apps support in-person merchant payments. It suits solo users and small organizations seeking bank-linked transfers on iOS or Android.
The published pricing details show a free service for users. According to the official FAQ, Bizum transfers are free, while each bank may set its own policies and transaction limits. Access depends on a participating bank’s app rather than a standalone account. Bizum Pay is a separate app for some payment features, so the exact payment path depends on the bank and merchant. The ecosystem focus is therefore clear: Spanish banking customers who want phone-number payments without a separate wallet will find the model straightforward.
Bizum’s feature set extends beyond person-to-person transfers, covering payment requests, online and recurring merchant payments, donations, in-person purchases and digital identification. That breadth makes it useful for everyday payments as well as occasional transfers. It is less suitable for people who need scheduled transfers, users without access to a participating Spanish bank, or anyone seeking uniform limits across banks. Buyers should choose Bizum for free, instant bank-linked payments and consider another service when broader bank coverage or transfer scheduling is essential.
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Bizum pricing
Bizum fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| In-store payments | Not verified |
| Peer transfers | Not verified |
| Bill payment | Not verified |
| QR payments | Not verified |
| International transfers | Not verified |
| Mobile platforms | Not verified |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Docs |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan |
| Website | bizum.com |
| Facts checked | 25 Sep 2026 |
Alternatives to Bizum
- PhonePeA free iOS and Android app for everyday UPI transfers, QR payments and bills.9.4
- Apple PayA no-cost payment service for Apple devices, with checkout availability depending on merchant and region.9.2
- Weixin PayA free mobile wallet for QR, merchant and supported cross-border payments.9.1
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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