# Cuba — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/CU
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **Transfermovil** 5M+ users, 1.2B transactions
- **QR code** payments integrated
- **EnZona** alternative platform
- **BANMET/BANDEC/BPA** bank integration
- **Offline capability** for low connectivity

## Banking landscape

### Central Bank
- **Name:** Banco Central de Cuba (BCC)
- **Website:** https://www.bc.gob.cu/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | BANMET (Metropolitano) | State | Transfermovil |
| 2 | BANDEC (Credito y Comercio) | State | Transfermovil |
| 3 | BPA (Popular de Ahorro) | State | Transfermovil |
| 4 | BFI | State | Limited |

### Market Structure
- **Transfermovil:** 5M+ registered users
- **ETECSA:** Telecom operator
- **State banks:** BANMET, BANDEC, BPA
- **1.2B transactions:** Annual

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Transfermovil | ETECSA | Mobile | 5M+ users |
| EnZona | Government | Web/App | Active |
| Bank Networks | State banks | Cards | Active |
| MiTransfer | ETECSA | Wallet | Active |

### Transfermovil Platform
- Conceived 2015
- ETECSA development
- Bank institution partnership
- 5 million+ registered users
- 1.2 billion annual transactions

### Bank Integration
- BANMET (Metropolitano)
- BANDEC (Credito y Comercio)
- BPA (Popular de Ahorro)
- Parent card required

---

## QR code standards

### Transfermovil QR

| Attribute | Value |
|-----------|-------|
| **Operator** | ETECSA/BCC |
| **Feature** | QR scanner |
| **Integration** | Bank accounts |
| **Update** | Nov 2024 (V1.241124) |

### QR Payment Features
- QR code scanning
- 2D barcode data encoding
- Amount encoded in QR
- Floating button access
- Home screen shortcuts

### QR Accessibility
- BCC announced alternative option
- For users with scanner difficulty
- Built-in reader improvements
- November 2024 update

### EnZona QR
- Alternative platform
- Web and app access
- QR code support
- Government backed

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Transfermovil | ETECSA | Yes | Full payment |
| EnZona | Government | Yes | Alternative |
| MiTransfer | ETECSA | Limited | Wallet |

### Transfermovil Features
- Electricity, water, internet bills
- Government taxes
- Traffic fines
- Mobile credit recharge
- Online shopping with QR
- E-commerce integration

### Version 1.241124 (Nov 2024)
- 7.19 MB size
- New floating button
- Quick shortcuts
- QR code reader
- Service expansion
- Navigation improvement

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Transfermovil QR](https://docs.barcoder.ai/docs/payments/CU/transfermovil-qr) | Mobile QR | ETECSA | 5M+ users | [`transfermovil-qr`](https://docs.barcoder.ai/docs/standards/transfermovil-qr) |
| [EnZona QR](https://docs.barcoder.ai/docs/payments/CU/enzona-qr) | Web/App QR | Government | Active | [`enzona-qr`](https://docs.barcoder.ai/docs/standards/enzona-qr) |
| [Bank cards](https://docs.barcoder.ai/docs/payments/CU/bank-cards) | Card | State banks | Active | — |

## Sources

- [Directorio Cubano - Transfermovil QR](https://en.directoriocubano.info/panorama/banco-central-de-cuba-informa-nueva-opcion-en-transfermovil-para-pagos-con-qr/)
- [Directorio Cubano - V1.241124](https://en.directoriocubano.info/panorama/ultima-actualizacion-de-transfermovil-nuevas-funcionalidades-y-servicios-en-la-version-v1-241124/)
- [InLeo - Transfermovil](https://inleo.io/@jordy0827/transfermovil-leading-mobile-payment-platform-in-cuba)
- [San Antonio Portal - Transfermovil/EnZona](https://www.sanantonio.gob.cu/en/news/7453-transfermovil-y-enzona-plataformas-de-pago-cubanas-2)
- [Google Play - Transfermovil](https://play.google.com/store/apps/details?id=com.etecsa.cubacel.tr.tm.android)

## Full country report

[CU-cuba.md](https://docs.barcoder.ai/docs/payments/CU)