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Mobile payments, finally European.

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100% from Europe.

A European payment solution – developed and operated in Europe. For greater sovereignty with every single payment.

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Available everywhere.

Pay with Bluecode anywhere – whether at the local bakery around the corner or while on the go in Tokyo. Simple, secure, and always European.

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You are part of the mission.

Every payment and every piece of feedback strengthens the European alternative! Together, we create sovereign payments and strengthen Europe.

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Pay contactless. Across Europe.

With Bluecode NFC, you pay at millions of merchants in the Discover® Network – fast, secure, and proudly European.

Bluecode App with Preiview of QR payments via Alipay+ network

Pay via QR codes. That's the common way to pay in Asia.

Through Alipay+, Bluecode connects you to over 100 million acceptance points across Asia – including local deals and experiences most travelers never find.

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Pay and earn. In one scan.

Pay at Bluecode partner stores with your blue barcode. At selected merchants, payment and loyalty are combined in a single scan within their own loyalty app – more value, no extra step.

Europe always in your pocket.

Pay worldwide, based on European values.

Pay at acceptance points in our partner networks – always processed by Bluecode based on European standards.

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How it works

One app for you and Europe.

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1

Get the Bluecode App

or a Bluecode-enabled partner app.

2

Connect your account

Create a balance account and top up your desired amount or connect your bank account from a Bluecode partner bank directly.

3

Pay European - worldwide

Whether in the supermarket around the corner, on your trip through Europe, or worldwide – payments are always made based on European values.

Made in Europe. Connected to the world.

Payments that connect Europe with the world.

Bluecode is based on European standards, technologies, and values. This makes global payments possible – based on European rules.

Young woman pays at the POS with Bluecode directly from her bank account, without intermediary credit or debit cards.

Pay directly – without a card.

Bluecode works account-based, without intermediary cards. For direct paths and European sovereignty.

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New!

More control – with Bluecode Balance.

Simply top up Balance and enjoy the best Bluecode experience. Always keeping an eye on all expenses.

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More than payments.

Fuel, vouchers, insurance – Bluecode offers practical features for your everyday life.

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Strengthening Europe with every payment.

Data protection, value creation, and processing – everything stays in European hands. Every payment is a decision for digital sovereignty!

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Pay securely with our bank partners

Maximum privacy and security.

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Security has top priority.

Our payment technology is an anonymous payment process that uses only one-time transaction codes. Only our authorized partner banks can read the transaction code and complete the payment.

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Privacy-first.

Your personal data always stays secure with your bank in Europe. Bluecode enables secure payment processing by means of anonymous transaction tokens.

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Every payment protected.

With Face ID, fingerprint, or PIN, your Bluecode App is always protected. This guarantees that no unintended payments can be made.

Bluecode in partner apps

One scan. Pay and collect points.

Many brands connect their loyalty programs directly with payments. One scan is enough – collect points and pay securely in one step.

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Together for Europe’s sovereignty.

Let’s finally create European sovereignty in payments. Let’s bring value creation back to Europe together and build independence from international players – a powerful step for a strong, secure Europe.

Every payment makes a difference!

Brief & concise

Good questions, quick answers.

The most important questions answered directly. And if yours isn’t among them: We’re just one message away.

Ask Bluecode Support

Bluecode is an independent European payment system that enables secure mobile payments.

Bluecode is built on European legal and data protection standards. All Bluecode payments are processed according to European values. Your personal data remains with your bank in Europe and does not take any detours via international payment services, card institutions, or big tech.

In this way, Bluecode strengthens Europe's digital sovereignty and creates added value — for users, merchants, and the European economy.

No. You do not need a credit or debit card for Bluecode.

Bluecode works on an account basis: You link your bank account from one of our partner banks or use credit to top up.

Signing up for Bluecode only takes only a few minutes:

  1. Download the Bluecode app – free on the App Store or Google Play.

  2. Set up your personal Bluecode Balance and add funds, or connect your bank account of a Bluecode partner bank.

  3. Start paying the European way – simple, independent, and secure. Every payment makes a difference.

Paying with the Bluecode app is free for users.

Yes. You can also use Bluecode with a balance.

Simply create your personal Bluecode Balance in the app and add funds. This way, Bluecode is available to everyone – regardless of your bank.

At all Bluecode, Diners Club® or Discover® Network, and Alipay+ acceptance partners.

Bluecode cooperates with payment systems around the world to enable global coverage. All Bluecode transactions are processed in Europe - always in accordance with European security and data protection standards.

With Bluecode Balance, you can use all Bluecode features without limitations.

It allows you to:

  • Pay by European standards – across Europe and internationally
  • Use all features in the app
  • Stay in control of your budget and spending

Bluecode Balance is available to anyone in Europe – regardless of your country or your bank.