Risk indicator for all N26 accounts.
1
/6
This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

Use Bizum with N26

Easy to activate, easy to use, and totally free! Bizum is available to all N26 customers who have an account with a Spanish IBAN. Shop online securely, and send and receive money instantly — even between customers of different banks. All you need to get started is your N26 account and your phone number.
Link Bizum to your N26 account
Woman in a red dress holding a mobile phone with the N26 app and the Bizum logo in the background.

How does Bizum work?

Learning how to use Bizum is a piece of cake. All you have to do is enter your N26 app and link it to your account if you already have it with another bank, or sign up if you are not yet a user. Then, go to the Home screen and click on ‘Send money’ or ‘Receive money’, depending on what you want to do; enter your friend’s phone number and the amount. The money you send will arrive instantly, and the requested money will enter your account as soon as the notification is accepted.
Smartphone with the N26 and Bizum logo.

Your daily spending in just one app

Send and receive money

Payback in the blink of an eye. You only need to have the recipient's phone number, neither to request the money you’re owed and receive it instantly.

Instantly send, receive, and request money from your friends and family who bank with N26 using MoneyBeam.

100% free

Best of all, using Bizum is completely free of charge. Forget about bank transfers and fees with N26 and Bizum!

Pay for your shopping and subscriptions, too

Pay quickly, conveniently, and securely on e-commerce sites with Bizum. And did you know that you can also use it for your subscriptions? Well, now you do!

Do your bit

You can also donate to different NGOs and non-profit organizations thanks to N26 and Bizum, so there’s no need for bank transfers!

Secure online payments – all in one place

Select Bizum as your payment method at checkout to make online payments faster and more securely. You can even pay for and manage subscriptions with Bizum and N26. Set up a subscription on the merchant’s site via Bizum, authorise the payment, and it will appear under 'Bizum Subscriptions' in your N26 app.
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N26 Standard: free, no commissions, Bizum included

 If you thought that 100% free and commission-free bank accounts didn’t exist anymore, that's because you haven't heard of N26 Standard yet. Get a free virtual Mastercard and enjoy three free cash withdrawals per month. Receive notifications after every transaction on your account and control your money wherever you are — no headaches.
Get N26 Free account
Image of a N26 transparent standard card.

What is Bizum?

Bizum is a payment platform integrated into the N26 app that connects your phone number with your bank account. It allows you to send and receive money instantly between customers of different banks, using only the recipient's phone number. With Bizum you can also request money from someone, i.e. send notifications so they pay you what they owe immediately.
Woman wearing a red dress and holding a mobile.

Check out the different N26 accounts

There’s an N26 account for everyone, and more than 8 million customers have already found their perfect match. Discover all the advantages of a 100% mobile, transparent bank with no hidden fees that fits your needs and lifestyle.
Compare N26 accounts

Find out what documents you need to open your N26 account

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.
See list of documents
Hand holding an N26 rhubarb card and in the background the N26 app.

Standard TIN 0 % y TAE 0 %. Smart TIN 0%, APR: -1.17% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €4,90/month. The settlement of the account is made monthly. You TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9,90/month. The settlement of the account is made monthly. Metal TIN 0%, APR: -3.98% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €16,90/month. The settlement of the account is made monthly.

FAQs

    Currently Bizum can be linked to only one bank account, and doesn’t seem to be willing to open up the relationship (at least for now). Therefore, you can only have Bizum linked to a single bank account.

    In addition to N26, Bizum is also available with the vast majority of banks in Spain. You can find them all here.

    In order to use Bizum you must have a cell phone number, and a bank account with a Spanish IBAN at one of the banks that currently offer Bizum.

    Bizum’s service is immediate, which means that the money arrives in fewer than 5 seconds to the destination account.

    Bizum is compatible with any type of iPhone and with phones that have Android version 5.0 or higher.

    If you open your N26 app and click on ‘Send money’, you can activate Bizum by following the portability steps without having to go to your other bank.

    Bizum's limits are as follows:
    • You can make a maximum of 60 money transfers per month
    • The amount of each Bizum transfer cannot exceed €500 or be less than €0.50
    • You can send or receive up to a maximum of €2,000 per day
    • You can send a maximum of €5,000 and receive a maximum of €60,000 per month

    If the transfer has already been carried out and the money has reached its destination, it is not possible to cancel it.

    In your profile within the N26 app you can carry out any procedure relating to Bizum, including unsubscribing from the service.

    You will have to verify your new phone number and register again in Bizum, as well as make sure that your contacts have saved your number.

    No. N26 only offers accounts for people over the age of 18.

    Paying with Bizum in online stores is easy. Simply select Bizum as your payment method, enter your data, and validate the purchase via your N26 app. Then, return to the merchant's website to complete your purchase.

    You can pay with Bizum in more than 14,000 online stores—just visit the Bizum website to find a detailed list of all the merchants that accept it. In general, though, if you see the Bizum button on a store’s payment page, this means that Bizum payments are accepted.

    Paying online with Bizum offers the maximum security guarantees in accordance with the standards regulated by the European Union and Spanish legislation.

    When it comes to returned items, the refund process varies from business to business. Therefore, if you have questions about your refund, it’s best to reach out to the merchant you purchased from directly.

    Paying with Bizum in online shops is completely free for customers, and does not incur any commission costs.

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Bizum has become the best solution for sending money to friends, family, and acquaintances. But how does Bizum work? Is it as simple as it seems?