Our answers to important questions.

If your bank is a Bluecode partner, you can connect your account directly.

To use all features without restrictions, we recommend setting up a Bluecode Balance account, which you can easily create in the app.

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.

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.

To use Bluecode abroad, please set up your Bluecode Balance and add funds. Make sure your smartphone is connected to the internet while you’re abroad.

You can recognize available acceptance points abroad by the logos of our partner networks, which are shown in the app.

You can use Bluecode to make payments in many countries in Europe, Asia, North America and South America. The Bluecode acceptance network is growing continuously. You can find the countries currently available on our website or directly in the app.

There are two ways to pay with QR codes.

Scan to pay:

1. Open the Bluecode app
2. Tap the camera icon
3. Scan the merchant’s QR code
4. Confirm the payment or enter the amount manually
   Done!

Show your code (be scanned):

1. Open the Bluecode app
2. Show your QR code or barcode
3. The merchant scans your code
4. Confirm the payment
   Done!

Bluecode does not charge any fees for payments abroad.
Your bank may apply additional charges.

Alipay+ offers really competitive exchange rates. You can always see the current rate in the app before each payment – fully transparent.

No, Bluecode works without a credit card.

1. Install the Bluecode app on your smartphone
2. Create your Bluecode Balance account
3. Top up your balance
   You’re ready to pay in Asia using your European app.

Look for Alipay+ logos at the checkout – that’s where you can pay with Bluecode.

Additional local payment partners (which may vary by country) are automatically shown in the Bluecode app.

QR payments are available in many countries across Asia, and our coverage is continuously expanding.

You can always find the latest supported countries on our map or directly in the Bluecode app.

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.

Yes. Your Bluecode balance is managed by our partner Calida Financial Ltd., a regulated European e-money institution. It is subject to applicable legal and security requirements.

You can start immediately, add funds and make your first payments. Once you load more than €150 in total onto your Bluecode balance, verification is required.

Once you load more than €150 in total onto your Bluecode balance, you need to verify your identity once. This is a legal requirement.

Verifying your identity and address is legally required.

You define your balance yourself and can only spend what you have loaded.

You can start instantly up to a total of €150. Higher amounts require a one-time verification.

You transfer money from your existing bank account to your Bluecode Balance. For faster availability, we recommend a SEPA Instant transfer. Additional top-up methods are available directly in the Bluecode app.
Your balance is managed by Calida Financial Ltd., a regulated e-money institution.

No. Bluecode balance is not a bank account, but an e-money product provided by Calida Financial Ltd. It is specifically designed for payments with Bluecode.

Yes. Your balance is managed by our partner Calida Financial Ltd., a regulated European e-money institution. To withdraw your balance, please contact Calida support directly:

Contact: bcsupport@calida.financial

Yes. You can also use Bluecode with your existing bank account from a partner bank. Bluecode Balance is an additional option.