Bizum
Hacker ApprovedRanked 12 of 17 mobile payment apps by recommenders
Spanish bank-linked app that sends money between phone numbers in seconds, widely used in Spain and accepted by many merchants.
Spanish bank-linked app that sends money between phone numbers in seconds, widely used in Spain and accepted by many merchants.
14 people gave an opinion
- recommend it
- 11
- criticize it
- 3
- approval share
- 79%
Recommended in 5 of 13 months
- November 2025: not recommended
- December 2025: not recommended
- January 2026: not recommended
- February 2026: recommended
- March 2026: not recommended
- April 2026: not recommended
- May 2026: recommended
- June 2026: not recommended
- July 2026: recommended
- August 2026: recommended
- September 2026: not recommended
- October 2026: recommended
- November 2026: not recommended (month in progress)
Why it carries the badge
- 11 people recommend itNeeds 10 or more, met.
- 3.7 recommenders for every criticNeeds 2 to 1 or better, met.
- Recommended in 5 of 13 monthsNeeds 4 or more, met.
The same three rules apply to every product, and the badge can’t be bought. How the badge works
What people say about it
The reasons people give, with the number of comments that give each one. Open a reason to read what they said.
Why people recommend it
Each mark is one comment
Instant transfers using only a phone number
“These instant phone-to-phone transfers are very popular, especially among young people who rarely use cash.”
Comment from 10 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun” “I can send money to any friend in 20 seconds with Bizum in Spain and a lot of merchants also accept Bizum.”
Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment” “With Bizum I don't need that, input my phone number, approve the dialogue in the bank app”
Comment from 27 Jul 2026 in “Decathlon Germany adds Wero payment option to decathlon.de website” - Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”
Very widely used in Spain
“The absolute standard for peer-to-peer payments, more than 30 million users (>65% of the population)”
Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment” “Bizum is so integrated in my daily life in Spain”
Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment” “I'm using Bizum on a daily basis in Spain”
Comment from 10 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun” - Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”
Simple for sending money to friends
“I can send money to any friend in 20 seconds with Bizum in Spain and a lot of merchants also accept Bizum.”
Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment” “It's just this nice thing for sending money.”
Comment from 2 Oct 2026 in “European payments groups join forces to challenge US dominance”
What people warn about
Each mark is one comment
Not practical for paying in stores
“it's not very practical or convenient to do that when you're in a store and want to pay”
Comment from 10 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun”
Other mobile payment apps people recommend
The four most recommended other mobile payment apps, with the same counts for each, so you can compare like for like. The tick on each bar marks the 2 to 1 line the badge needs.
| Product | Recommend | Criticize | Approval | Months | Owned | Badge |
|---|---|---|---|---|---|---|
| Wero | 84 | 96 | 47% | 11 | — | — |
| Apple Pay | 73 | 48 | 60% | 12 | — | — |
| Apple Wallet | 58 | 63 | 48% | 10 | — | — |
| Google Pay | 26 | 33 | 44% | 11 | — | — |
| BizumThis page | 11 | 3 | 79% | 5 | — | Approved |
What people said
All 14 comments that mention it, newest first. Each links to the original comment.
“said Bizum is the driving force behind ENP to integrate all those payment systems”
“It's just this nice thing for sending money.”
“it's a good thing for customers”
“Bizum for national transfers, you just need someone's number”
“With Bizum I don't need that, input my phone number, approve the dialogue in the bank app”
“I can send money to any friend in 20 seconds with Bizum in Spain and a lot of merchants also accept Bizum.”
“Bizum is so integrated in my daily life in Spain”
“Bizum is almost default now here in Spain”
“The absolute standard for peer-to-peer payments, more than 30 million users (>65% of the population)”
“those pathetic peer-to-peer payment systems”
“It's true that it's a problem, but it can be easily fixed in the future.”
“I'm using Bizum on a daily basis in Spain”
“it's not very practical or convenient to do that when you're in a store and want to pay”
“These instant phone-to-phone transfers are very popular, especially among young people who rarely use cash.”
Counts come from 1,795,640 Hacker News comments, November 2025 to November 2026. How we count. Report a mistake.