Frequently Asked Questions

TOPii is a financial services platform that allows you to pay, withdraw cash and send money at thousands of stores in Spain. With our mobile app, you can use your money more easily, conveniently and securely.

You can use TOPii at more than 100,000 stores throughout Spain, including neighborhood shops, gas stations, pharmacies and supermarkets. Download the app and use the map to find the nearest TOPii point.

Downloading and using the TOPii app is completely free. You only pay small commissions when you perform certain services such as cash withdrawals or international money transfers. Payments at stores have no additional cost.

Download the TOPii app from Google Play or App Store, open the application and follow the registration steps. You will need your ID or NIE, a phone number and a bank card. The process takes less than 5 minutes.

You need to be over 18 years old, have a valid identity document (ID or NIE), a Spanish mobile phone number and a debit or credit bank card.

No, you can only have one TOPii account per person. Each account is linked to your identity document and phone number.

You can change your phone number from the app in Settings > Profile > Phone. You will receive a verification code on your new number to confirm the change.

Open the TOPii app, select 'Pay', enter the amount and show the QR code to the merchant to scan. You can also scan the merchant's code if available.

You can link Visa, Mastercard or American Express debit or credit cards. Payments are charged directly to your linked card.

Once confirmed, a payment cannot be canceled from the app. If there is an error, you must contact the store where you made the purchase directly to manage a refund.

Yes, at many affiliated stores you receive up to 4% cashback that accumulates in your TOPii account. You can use this balance for future payments or withdraw it.

Go to a TOPii point, open the app, select 'Withdraw cash', enter the desired amount and show the generated code to the merchant. They will give you the requested cash.

You can withdraw from €10 to €150 per transaction, with a maximum of €500 per day. Limits may vary depending on the store and your usage history.

The withdrawal fee is €0.50 per transaction, regardless of the amount. It is much cheaper than traditional ATMs.

If there was a problem with the withdrawal, contact our customer service immediately from the app. We will review the transaction and resolve the issue within 24-48 hours.

You can send money to more than 200 countries and territories worldwide, including Latin America, Europe, Asia, Africa and North America.

Most transfers arrive in minutes. Some destinations may take up to 24 hours depending on the country and the chosen receipt method.

Fees vary depending on the destination country and the amount sent, but they are very competitive. You can see the exact cost and exchange rate before confirming the transfer in the app.

The recipient can receive the money in their bank account, pick it up in cash at authorized payment points, or receive it in their mobile wallet, depending on the destination country.

If the money has not yet been collected or deposited, you can cancel the transfer from the app. If it has already been processed, it is not possible to cancel it.

Yes, TOPii uses bank-level encryption to protect your data and transactions. In addition, all operations require authentication and we never store your PIN or passwords.

If you lose your phone, access your account from another device and temporarily block your account. You can also contact our customer service to secure your account.

You can install TOPii on multiple devices, but only one can be active at a time. When you log in on a new device, it will automatically log out on the previous one.

If you see a transaction you don't recognize, report it immediately from the app or contact our customer service. We will investigate the case and take the necessary measures.