--- title: "BDM Sénégal - PI-SPI" description: "BDM Sénégal, votre partenaire bancaire de confiance, au service de vos ambitions, avec des solutions adaptées pour un avenir solide et durable." url: "https://bdm-sn.com/index.php/pi-spi" date: "2026-10-12T07:55:22+00:00" language: "fr-FR" --- [](# "Menu")[ ![BDM Sénégal](https://bdm-sn.com/images/logo_rebrand.png) ](https://bdm-sn.com/) Valider [Vous etes client ? Acces a vos comptes](https://www.bdm-econnect.sn/FR/index.html) ![Image](https://sppagebuilder.com/images/2021/saas/bg-pattern.svg) # Accueil | PI-SPI ## PI-SPI Plateforme Interopérable du Système de Paiement Instantané de la BCEAO Initiative de la BCEAO, PI-SPI fait circuler l'argent en quelques secondes entre banques, microfinances et portefeuilles électroniques de toute l'UEMOA. ![Image](https://bdm-sn.com/images/2026/09/24/affiche-pi-spi-bdm-sn-vf.jpg) ### Comment accéder à PI-SPI ? L'accès au service PI-SPI de BDM Sénégal est ouvert à tout client remplissant ces trois conditions : ![Être titulaire d'un compte bancaire domicilié à BDM Sénégal](https://bdm-sn.com/images/2026/09/24/wallet.png)###### Être titulaire d'un compte bancaire domicilié à BDM Sénégal ![Se présenter muni de sa pièce d'identité : CNI ou passeport en cours de validité](https://bdm-sn.com/images/2026/09/24/id-card-2.png)###### Se présenter muni de sa pièce d'identité : CNI ou passeport en cours de validité ![Souscrire en agence et signer les conditions générales](https://bdm-sn.com/images/2026/09/24/contract-1.png)###### Souscrire en agence et signer les conditions générales ## AVANTAGES PI-SPI Le PI-SPI (Plateforme Interopérable du Système de Paiement Instantané) est un système lancé par la BCEAO pour permettre des transferts et paiements instantanés entre banques, institutions de microfinance et opérateurs de monnaie électronique dans toute l'UEMOA. PI-SPI, plateforme de paiement instantané de la BCEAO. Pour payer : numéro de téléphone, alias ou QR code unique. Pour recevoir : compte bancaire, portefeuille mobile ou compte de microfinance. Disponible 24h/24 et 7j/7 dans les huit pays de l'UEMOA, en francs CFA. ![PI-SPI](https://bdm-sn.com/data:image/png;base64,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) **PI-SPI avec BDM Sénégal** Un paiement, tous les comptes de l'UEMOA. Survolez une icône pour en savoir plus. Un paiement, tous les comptes de l'UEMOA. Touchez une icône pour en savoir plus. **Numéro de téléphone**Envoyez à un simple numéro de mobile, sans saisir de coordonnées bancaires. **Alias**Un identifiant lié au compte : vous recevez sans communiquer vos informations personnelles. **QR code unique**Un seul QR code standardisé pour payer ou encaisser, quel que soit le prestataire. **Compte bancaire**Vers un compte dans toute banque connectée à PI-SPI dans l'UEMOA. **Portefeuille mobile**Vers les portefeuilles des établissements de monnaie électronique connectés. **Microfinance**Vers les comptes des institutions de microfinance connectées. - InstantanéDes transactions instantanées entre tous les systèmes financiers. - GratuitGratuité pour les particuliers, jusqu'à 30 opérations par mois. - SécuriséAuthentification renforcée, transactions confirmées aussitôt. - InteropérableBanques, microfinances et opérateurs mobile money, tous reliés. - SimpleVos transferts en quelques secondes, avec un alias ou un QR code. - RégionalCouverture régionale : disponible dans les 8 pays de l'UEMOA. ### Conditions Générales d'Utilisation de l'Application PI-SPI BDMSN Accès, sécurité, transactions et protection de vos données : les règles qui encadrent l'utilisation du service PI-SPI dans l'application BDMSN. PDF de 12 pages à lire [ Télécharger les CGU PI-SPI](https://bdm-sn.com/images/documents/CGU-Application-PI-SPI-BDMSN.pdf) ![Image](https://bdm-sn.com/images/2026/09/24/cgu-pispi-bdmsn-visuel.png) #### S'abonner à notre Newsletter mensuelle ### Pour plus d'informations Avec BDM Sénégal, vos ambitions n'ont pas de limite ! 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