Bizum Pay is expanding into Spanish shops, letting customers pay in physical stores without a bank card. CaixaBank and BBVA already offer the service. Sabadell has joined, as have Unicaja and Bankinter, while Banco Santander has yet to join the rollout. Bizum now reaches 20 million users and more than 1.6 million businesses.
Bizum says 60% of its users can now pay in person, and about 75% of banking terminals accept the method. The service gives customers another way to pay at checkout and extends Bizum beyond its better-known role in transfers between individuals.
The physical retail rollout began on 18 May 2026. It is expanding in stages across participating banks, rather than arriving in one nationwide release, EFE reported.
CaixaBank has made Bizum Pay available to 100% of its customers. Users download the application and activate in-store payments through it. The bank has already enabled more than 517,000 terminals. Unlike a standard card transaction, Bizum Pay can charge the customer's bank account directly. The wallet can also support an added card.
Since the pilot began in mid-July, CaixaBank customers have made nearly 25,000 payments worth a combined 400,000 euros. Those figures offer an early indication of how people are testing cardless checkout in daily life.
Bizum says its next basic stage is to make in-store payments available to most of its 32 million users by December 2026. Its current reach of 20 million users is an intermediate stage in the broader rollout.
Bankinter has also enabled the option for all its customers. Users open the Bankinter app, activate Bizum and set up the payment method. The app stores digital tickets and other passes, including entries. Users can also check recent movements and add different payment methods.
Access still depends on the bank. BBVA has completed its rollout across more than 368,000 physical establishments linked to the group and plans to extend coverage to large retailers. Banco Sabadell operates the platform in more than 340,000 establishments and says over 78% of its customers use Bizum regularly. Unicaja has included the service in its Strategic Plan 2025-2027 as part of a wider push to expand Bizum's everyday uses.
Abanca has added Bizum Pay for its customers and for businesses using smart point-of-sale terminals. The bank says all its customers can use the service, and that 100% of its smart terminals accept it. Caja Rural is also among the participating banking groups, extending the network beyond the biggest national brands. More than 25 major retail chains across different sectors already accept in-person Bizum payments. The rollout follows an earlier report on the service entering Spanish shops through Bankinter and CaixaBank.
The figures show Bizum moving beyond peer-to-peer transfers while keeping customers within the banking apps they already use. When both a shop and a bank support the system, shoppers can pay for an in-person purchase through Bizum Pay instead of using a card. For banks, competition now centers on terminal coverage and customer access. Industry coverage has described the account-based model as a distinctive feature of Bizum Pay in Spain: it allows payments without a physical card.
Five major banks already provide access. Abanca adds another route, while Santander remains outside the deployment described here. With 20 million potential in-store users and 1.6 million accepting businesses, the cardless option has reached a large share of the market. The early CaixaBank figures show adoption is still building: nearly 25,000 pilot payments offer meaningful evidence of use, but remain modest beside the size of the overall network.
