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Blue wallet on a blue background
Now available

Your personal Bluecode Balance.

For balance-based payments with Bluecode.
Full control. All features. For everyone in Europe.

Illustration of coins

Your budget

You decide how much you spend.
No overdraft. No risk for your checking account.

Unlimited functions

All Bluecode features

Use all Bluecode functions. Without restrictions. Usable everywhere.

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Full control

You keep track of your spending at all times.

Diverse European people

For all Europeans

Open to everyone. Independent of your bank.

Bluecode App with prepaid balance function
Personal limit

Top up easily, pay directly.

Transfer money to your Bluecode Balance
and pay directly - without linking to your checking account.

1

Set up account

Get started in just a few minutes.

2

Top up balance

Transfer money to your personal balance.

3

Pay with Bluecode

Directly with your balance - wherever Bluecode is accepted.

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Full control

Your balance.
Your rules.

You decide how you pay.
Flexible, secure, and 100% European.

Higher limits. Maximum security.

Expand your limit.

You decide when to take the next step.

1

Start immediately

Start in just a few seconds with small amounts - without full verification.

2

Verify at any time

Unlock higher limits and full functionality by verifying once.

3

Pay without limits

Always pay worry-free, securely, and European - on your terms.

Mobile Phone in hand

Start now with your
Bluecode Balance.

Secure. Flexible. On your terms.

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To be on the safe side

Important questions & honest answers.

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.

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

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.

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.

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