SPIN is a functionality that facilitates transfers. It allows payment service users to initiate standard or instant credit transfers by indicating the payee identifier, instead of entering an IBAN: in the case of natural persons, this identifier is the mobile phone number or tax identification number (NIF) and, in the case of legal persons, the legal person identification number (LPIN).

SPIN is available 24 hours a day, seven days a week, 365 days a year.