Treat it as a scam until you've checked in the app. Receiving money never needs your approval or your card details.
Take out passwords, codes and card numbers first.
What it looks like
You're selling a jacket. A "buyer" agrees fast, without questions, and then either:
- sends a Bizum payment request instead of paying. If you accept it, you pay them. INCIBE calls this "reverse Bizum".
- moves the chat to WhatsApp or email and sends a link to "collect your payment" or "confirm the shipping". It looks like the app's page and asks for your card.
Red flags
- A buyer who wants to leave the app's chat.
- No questions about the item, just "I'll take it".
- "Accept this to receive the money".
- A link to get paid, or a page asking for your card or bank login.
- A new profile with no reviews.
If it's happening now
- Keep the chat, the payment and the shipping inside the app.
- Read every Bizum screen carefully: accepting a request means paying.
- Don't open payment links sent outside the app.
- Report and block the buyer in the app.
Already paid or entered your card?
- Call your bank now on the number on your card and block the card.
- Report the buyer to the app, with screenshots.
- Report it to the police and keep everything. INCIBE says a Bizum generally can't be reversed, so act fast.
Where to report it
If money has gone or you shared card details, call your bank first, on the number on your card or in its app, never a number from the message.
Which country are you in?
- Free help, every day 8:00–23:00. INCIBE: call 017, WhatsApp 900 116 117 or Telegram @INCIBE017. Official page
- Report a scam message. Forward the email, or a screenshot of the text, to incidencias@incibe-cert.es. Official page
- If you lost money. Report it online at denuncias.policia.es, then sign it at a police station within 72 hours. Call 091 if it's happening now. Official page
- If your bank says no. Complain to your bank's customer service, then to the Banco de España if it won't help. Official page
- Report a scam text. Forward it to 7726, free. Official page
- Report a scam email. Forward it to report@phishing.gov.uk. Official page
- If you lost money. Report Fraud, at reportfraud.police.uk or 0300 123 2040 (England, Wales, Northern Ireland). In Scotland, Police Scotland on 101. Official page
- Report a scam text. Forward it to 33700, free. Official page
- Free help. 17Cyber, at 17cyber.gouv.fr. Official page
- Report a fake website. Pharos, at internet-signalement.gouv.fr. Official page
- If you lost money to an online scam. Complain online through THESEE on masecurite.interieur.gouv.fr. Official page
- If your card was used online. Block the card, then report the payments through Perceval on masecurite.interieur.gouv.fr. Official page
- Report a scam text. Forward it to 7726. Official page
- Report a scam. ReportFraud.ftc.gov. Official page
Read on the official pages on 12 November 2026.
Questions people ask
Why would a buyer send me a request instead of money? Because accepting a payment request sends your money to them. A real buyer just sends the money.
The page looked exactly like Vinted. How do I tell? Real payments for sales happen inside the app. A link that arrives by WhatsApp, text or email is the warning.
Is it safe to sell outside the app? It takes away the app's protection. Keep the sale inside it.
Can I get a Bizum back? Usually not, once it's sent. Call your bank straight away anyway, and report it.
Can Kiwi check the link? Yes. Press the button, paste the message, and Kiwi tells you what looks wrong.