If you use one of the words on Bizum’s black list as the concept of a money transfer, the transfer will be automatically blocked and your account could be temporarily suspended.
Bizum is a popular mobile payment system in Spain that enables quick and easy transfers between friends, family and close contacts. Launched in 2016, it has revolutionized the way people send and receive money.
This service prides itself on being a tool that simplifies payments and allows you to pay accounts reliably, quickly and easily. However, it is important to take into account a unique peculiarity when making transfers through this service: the insertion of concepts.
When you send money through Bizum, it asks you to enter a concept that accompanies the money you are sending. Many times, this section is used to add a touch of humor or simply as a feature to personalize payments.
Although the platform does not have any restrictions on the type of concept that you can use, there is a black list of words that you should avoid if you do not want to have problems.
The Bizum blacklist: the words you should avoid
It should be noted that not all words are created equal when it comes to making transfers. Bizum operates with meticulous surveillance due to regulations for the prevention of money laundering, terrorist financing and possible criminal uses of money.
It is for this reason that certain words are marked on a black list that activates a thorough evaluation by the bank. Words related to criminal or illegal organizations or activities such as; Al Qaeda, weapons for syria, cocaine or any other term associated with drug, arms or other illegal activitiescan trigger an investigation by Bizum and even the cancellation of the account.
But in extreme situations, the company can temporarily block the sender’s account, the unlocking process of which is frustrating and too complicated to carry out. It works as a cautionary light, so if you want to avoid bigger problems, it is essential to stay away from these words in the concept of payment.
Some tips to prevent your Bizum transfer from being blocked is Do not use words related to crimes present on the black list. If you want to prank the recipient, use non-suspicious words, and if you’re not sure if a word isn’t blacklisted, don’t use it.