Bizum Pay has moved beyond person-to-person transfers and into everyday shopping in Spain. The service now supports in-store payments for almost 20 million people and is available on 75% of the country's banking terminals, so more than 1.6 million establishments can accept it.
This is no longer a small pilot. Information from EFE, the rollout began on 18 May 2026 and is expanding in stages, rather than launching nationwide at once. Bizum wants most of its 32 million users to be able to pay in physical shops with their phones by December 2026. More than 25 major retail chains across different sectors have already connected their terminals to the service.
Users who can make in-store payments use Bizum an average of three times a week. The platform says the feature now reaches 60% of its users, as Spanish banks accelerate the rollout of Bizum Pay.
Since this Monday, the app has also been available in English and Spain's co-official languages. Bizum Pay has been available to download on Android and iOS since 14 July.
For customers, paying is meant to be almost effortless. Once Bizum Pay is set as the default payment method, users need only unlock their phones and hold them near the terminal. Setup varies by bank: some offer the feature in their own app, while others direct customers to Bizum Pay, which is also available as a standalone wallet.
The banks named as enabling in-store payments through Bizum Pay include CaixaBank, Banco Sabadell, Unicaja, Bankinter, Abanca and Caja Rural. CaixaBank says the feature is available to all its customers and deployment across its network is nearly complete.
Bankinter has made the service available to all its customers. Activation begins in the bank's app, in the Bizum section. Customers then download Bizum Pay and choose their preferred payment method.
The wallet can draw payments from a bank account or linked Bankinter cards. It can also store digital tickets, passes and entries.
The payment launch comes with a prominent account offer. New customers who open Bankinter's Cuenta Digital can receive 3% TAE on balances of up to 100,000 euros, without paying in a salary or meeting extra direct-debit conditions.
The return is guaranteed until April 2027, with interest paid monthly. The promotion is for new customers and runs until 28 October. Customers who also pay in a salary of at least 850 euros can receive up to 600 gross euros over 12 months. That part of the offer is limited to the first 50,000 accounts.
CaixaBank is competing on scale, without a separate customer app. It has activated Bizum Pay on more than 517,000 terminals and enabled the feature for all its customers. Since the pilot began in mid-July, CaixaBank users have made nearly 25,000 payments worth more than 400,000 euros in total.
The bank is also offering a reward to new salary customers. Those who pay in their salary, complete three direct debits and make three card purchases each quarter can receive a Facilitea online store voucher worth between 200 and 400 euros. The catalogue includes products such as a Dyson and a PS5.
The figures show how Bizum's role has changed: the service now competes for space at the checkout alongside its quick account-to-account transfers.
For customers, the immediate benefit is a quicker way to pay, while bank offers provide a financial incentive to start or deepen a relationship. The physical shop is Bizum Pay's next major test. CaixaBank brings scale; Bankinter links the feature to one of the strongest account promotions described here.
For Spanish consumers, the payment itself is simple. The conditions attached to each bank now matter as much as the technology.
