Home / News / Let your electric car be a credit card: that’s what BMW wants

Let your electric car be a credit card: that’s what BMW wants

let-your-electric-car-be-a-credit-card:-that’s-what-bmw-wants
Ramon Castro Avatar

By Ramon Castro

Charging an electric car is still somewhat complicated. Not by plugging it in, that’s the easy part, but by everything that comes after. Apps to download, accounts to create, cards that don’t always work and contracts that few remember having signed.

Read also: The most anticipated sports sedan ready for the US in 2026

In practice, moving between cargo networks can be more complicated than filling the tank of a traditional car.

You can behold: Millionaire lawsuits put Tesla in check

BMW decided to attack that specific point, that of everyday experience, and did so with a fairly direct idea. Let the car itself take care of paying. Without detours, without visible intermediaries and without having to take out your phone every time you need power.

The car that identifies and pays for itself

The infamous of everything is in an evolution of the Crawl & Put system. Until now, this technology allowed the vehicle to be automatically recognized when connected to a love minded charger. The novelty is that it now also manages payment with the user’s credit card.

In practice, the process becomes almost invisible. You arrive, connect the cable and recharging begins without any further steps. The car authenticates itself, validates the payment method and activates the session without driver intervention.

The great BMW iX3
The great BMW iX3. Credit: BMW.
Credit: Courtesy

This eliminates several of the most common friction points in one fell swoop. No more switching between apps or worrying about whether a specific network requires pre-registration. Everything is centralized in the user’s account, previously configured from the brand’s app.

Less complications and more clarity on costs

Another interesting point is how prices are handled. The system displays the cost of recharging both in the vehicle and in the application, using the operator’s rates in accurate time. This allows you to know exactly how much you are paying for each session, without any surprises later.

Payment is made automatically with the linked card, which also makes it easier to keep a clear track of spending. In a context where energy prices can vary greatly between seasons, this transparency becomes key.

The humanoid robotic AEON on the BMW Crew
The humanoid robotic AEON on the BMW Crew. Credit: BMW Crew.
Credit: Courtesy

A solution also designed for occasional users

Not all electric drivers have long records. There are those who rent, use company cars or simply try this technology for a while. For them, dealing with multiple registrations can be an unnecessary hurdle.

BMW’s proposal also points to that profile. By not requiring specific contracts with freight operators, access to infrastructure becomes much more open. In other words, anyone with the car set up can plug in and charge without additional steps.

The system has already started working in Germany and Austriawhere it is available at more than 1,400 direct current fast charging points. The company’s idea is to expand compatibility with more operators and bring this solution to other markets throughout 2026.

This move fits with a clear trend in the industry. Cars are no longer just machines for moving, they are also becoming digital platforms that integrate increasingly complex services. In this case, BMW is committed to something simple but powerful, eliminating friction in daily use.

Continue reading:
Fire risk forces Kia and Genesis to recall units

Ford recalls more than one million F-150s due to critical failures
Best-selling electric cars of 2026 so far and their surprises