Treasury will control Bizum from January 2026: Everything You Should Know

#What no one is telling you about Bizum and Hacienda in 2026

For weeks now, the internet has been filled with alarming headlines about Hacienda and Bizum.

“IRS will watch all your Bizum” “Goodbye to anonymous money.” “Fines for sending money to your family”

But here’s the truth: 90% of what you’ve read is either false or taken out of context.

This article tells you exactly what is going to change from 1 January 2026, how it will really affect freelancers and individuals, and what you should do (or NOT do) for peace of mind.

No clickbait. Just facts.

#What really changes from January 2026 with Bizum and Hacienda?

#The main change: Elimination of the limit of 3,000 euros

Until now, banks only reported card or Bizum charges to the Inland Revenue when they exceeded** 3,000 euros per year.

As of January 1, 2026:

• This limit disappears completely
• Bizum officially equates to credit/debit cards
• Banks will report transactions on a monthly basis (previously it was yearly)
• The focus is on behavioral patterns, not on specific amounts

Regulations: Royal Decree 253/2025

#How will the Treasury’s new control over Bizum work?

#1. Monthly instead of annual information

Previously (up to 2025): Banks sent information to the Treasury once a year.

From January 2026: Banks will send information each month.

Practical example:

• The data for January 2026 will reach the Treasury in February 2026
• And so on every month

#2. Only operations of self-employed and companies are reported

This is KEY and most media do not make it clear:

Treasury has officially confirmed that Bizum transactions between individuals (C2C) are excluded from the reporting obligation.

What this means:

• If you send Bizum to your friend to pay for dinner → NO reporting
• If you pay for your share of the birthday gift → NOT reported
• If you share the expenses of a trip → NOT reported

What DOES get reported:

• Collections from freelancers and companies through Bizum
• Payments received on accounts with “Bizum Companies” contract
• Transactions with business activity patterns

#3. Focus on patterns, not amounts

The new system seeks to identify:

• Recurring collections of the same type
• Similar recurring income
• Patterns suggesting undeclared economic activity
• Concealed donations

Example of suspicious pattern:

• You receive 500€ every month from different people
• Always on the same dates
• With similar concepts (“class”, “service”, “work”)
• → Possible undeclared economic activity

Example of normal use:

• You receive 50€ from your roommate (rent)
• Your friend pays you 30€ (shared dinner)
• Your sister sends you 100€ (birthday gift)
• → You do NOT generate any alert

#Who is really affected by Bizum control in 2026?

#→ It mainly AFFECTS:

1. Self-employed and companies

If you are self-employed or have a company, all your collections with Bizum will be reported to Hacienda, regardless of the amount.

Obligations:

• Declare all income received by Bizum
• Include them in the corresponding quarterly form
• Keep record of all invoices
• Issue an invoice for each professional collection

Real example: You are a freelance designer and you charge 150€ by Bizum for a logo.

• You must issue invoice
• You must declare it in your quarterly model
• The bank will report this charge to the IRS

2. Persons with undeclared economic activity

If you regularly charge for services without being registered as self-employed:

• Undeclared private tutoring
• Undeclared repair services
• Undeclared property rentals
• Recurrent sale of products

→ Treasury will be able to detect these patterns

#→ NOT AFFECTING:

1. Occasional personal bizums

• Sharing expenses with friends
• Paying your share at restaurants
• Birthday or Christmas gifts
• Repaying borrowed money

2. Private users with personal transactions

If your transactions are personal and sporadic, there is nothing to worry about.

Note: Cardholders who exceed 25.000€ annually in transactions may be included in their card issuers’ annual report, but this applies primarily to card activity, not specifically to Bizum between individuals.

#Exactly what information will the IRS see?

#Data that the IRS DOES receive:

1. Professional operations:

   • Total amount of monthly collections
   • Number of transactions
   • Identification of the payer (only in B2B transactions)
   • Date of transactions

2. B⟫Patterns of behavior:

   • Annual volume of transactions
   • Frequency of similar collections
   • Activity trends

#Data NOT received by the IRS:

• Specific items of Bizums between individuals
• Names of the people who send you money (personal use)
• Details of each individual transaction (personal use)
• Information on Bizums to share expenses

#Debunking hoaxes about Bizum and Hacienda 2026

#BULO #1: “The IRS will be watching all your personal Bizums.”

FALSE

Private-to-private (C2C) transactions are expressly excluded from mandatory reporting.

Official source: Hacienda has confirmed that “for cell phone number payment systems, currently mainly through Bizum in Spain, reporting entities will only report transactions where the recipient has a non-consumer contract (Bizum transactions between private individuals (C2C) are excluded).”

#ITEM #2: “If you receive more than 10.000€ you must declare it to the IRS”

FALSE

There is no specific threshold of 10.000€ to declare Bizums.

The Reality:

• If they are professional income → ALL are declared (no minimum limit)
• If they are personal → they are NOT declared (they are your private movements)

#BLOCK #3: “You will be fined for sending money to your relatives”

FALSE

Bizums between relatives for everyday expenses are NOT problematic.

Clarification:

• Technically, all donations are subject to Inheritance and Gift Tax
• In most autonomous communities there are 95-99% allowances between immediate family members
• Sporadic family help (paying for a dinner, helping with expenses) usually do not generate problems
• But this is NOT new, it has always been like this

#BLOCK #4: “You will no longer be able to use Bizum anonymously.”

MISLEADING

Bizum has never been anonymous. It has always been linked to your bank account and ID.

What’s changing:

• The self-employed will be more closely watched
• Business patterns will be more detectable
• But the individual user remains the same as before

#BLOCK #5: “Treasury will read the concepts of all your Bizums”

FALSE

Hacienda does NOT have access to the concepts of your personal Bizums.

What they DO get to see:

• Total volume of transactions
• General patterns of behavior
• Aggregate data (not transaction-by-transaction detail)

#Frequently Asked Questions about Bizum and Hacienda 2026

#Do I have to declare the Bizum my mother sent me?

NO, if it is a personal gift or occasional family help.

Important clarification: Technically, gifts between family members are subject to Inheritance and Gift Tax, regardless of the amount. However:

• In most autonomous communities there are allowances of 95-99% between direct relatives
• In practice, sporadic family support does not usually generate problems
• Recurrent and high amounts of aid may require a declaration

#Can I continue sharing expenses with friends through Bizum?

YES, totally normal. Sharing the restaurant bill, paying your share of Airbnb, or splitting the Secret Santa gift does NOT create any problems.

#3. What if I sell something second hand through Wallapop and get paid through Bizum?

It depends on the frequency and quantity:

Occasional sales (once a year, personal items):

• NO problem
• These are sporadic estate sales

Recurring sales (several products per month):

• Can be considered as economic activity
• You would need to register as self-employed

#I am self-employed, what should I do with my Bizums?

Checklist for freelancers:

• Invoice for each professional collection
• Declare all income on your quarterly model
• Keep a record of all your transactions
• Use a separate account for your professional activity (recommended)
• Make sure your Bizums match your invoices

#5. What if I am self-employed and forget to declare a Bizum?

Potential consequences:

• Treasury may cross-check data with bank information
• Detect undeclared income
• Requirement of information
• Penalty for not declaring income (between 50% and 150% of the defrauded quota)

Better to prevent: Use billing software to help you keep track automatically.

#6. Do Bizum limits change as well?

NO. Bizum operating limits remain the same:

• Maximum per transaction: 1.000€
• Daily maximum: 2.000€ (may vary by bank)
• Monthly maximum: 5.000€ (may vary by bank)

Important: Each bank may set its own limits. For example, some banks have daily 2.500€ and monthly 9.000€ limits.

What changes is the tax information, not the usage limits.

#7. What if I share an apartment and pay rent by Bizum?

Two scenarios:

A) You pay your flatmate (the lease holder):

• NO problem
• It is a personal arrangement between private individuals

B) You pay directly to the landlord by Bizum:

• If the landlord is private → OK (although better transfer)
• If the landlord is professional/company → must issue receipt
• If the landlord is a renter of several properties → must be registered

#8. Do Revolut, N26 and other neobanks also report?

YES, all authorized payment institutions in Spain must report:

• Revolut
• N26
• Bnext
• Verse
• Any other digital payment service

There is no escape using other apps.

#9. Can I still make donations via Bizum to NGOs?

YES, no problem.

Also:

• Donations to official NGOs are deductible
• Keep the receipt for your tax return
• You can get a tax deduction of up to 80% on the first 250€

#What should I do if I receive a summons from the tax authorities?

Steps to follow:

1. Do not ignore it → Penalties increase if you do not respond
2. Gather information → Statements, vouchers, invoices
3. Explain the origin → If personal transactions, justify it
4. Consult with an advisor → If you have doubts or the amount is significant

At BeeL.es we help you with self-employed tax management and Verifactu compliance.

#What to do NOW to be prepared?

#If you are an INDIVIDUAL:

• B⟫Prespire easy → It’s not going with you (probably)

• Avoid recurring charges without declared activity → If you give private lessons, register yourself

• Maintain logic in your movements → If you share expenses, make it clear that it is personal

#If you are SELF-EMPLOYED or BUSINESS:

• Use invoicing software → Automate income recording

• Emit invoices for ALL → Each Bizum = one invoice

• Keep your accounting up to date → Don’t leave everything to the last minute

• Spare personal and professional finances → Different bank account

• Check your quarterly statements → Make sure everything adds up

BeeL.es is your perfect ally for:

• Automatic invoicing compatible with Verifactu
• Real-time revenue and expense control
• Hassle-free tax compliance

→ Discover BeeL.es

#Conclusion: Is there really anything to worry about?

The short answer: It depends.

#→ You should NOT worry if:

• You use Bizum only for personal expenses
• You share accounts with friends/family
• You make occasional payments with no business pattern
• You are a normal user with no economic activity

#→ YES you should be aware if:

• You are self-employed and charge by Bizum
• You have recurring income without declaring
• You give private lessons, do repairs or sell products on a regular basis
• You rent property and you charge by Bizum without declaring it

The change is real, but the objective is clear: to reduce the underground economy and that whoever develops an economic activity, declares it.

If your income is clean and declared, there is absolutely nothing to worry about.

And if you are self-employed, this is the best time to professionalize your billing and save yourself headaches in the future.

#Need help with your invoicing as a freelancer?

At BeeL.es we make it easy for you:

• Electronic invoicing Verifactu-compliant
• Automatic control of revenues and expenses
• Synchronization with your bank account
• Alerts of quarterly statements
• Personalized support

→ Try BeeL.es now

#Sources and references

This article is based on official information and verified sources:

• Vozpópuli - Hacienda will control payments by Bizum from January 1, 2026
• Infobae - Notice for self-employed: Treasury will control payments with Bizum from January 2026
• Xataka - Hacienda equates Bizum to credit cards and eliminates the limit of 3,000 euros
• Xataka Móvil - Hacienda confirms that it has no intention of monitoring the Bizum you send to your brother-in-law
• OKDiario - Radical change in Bizum in 2026
• Última Hora - Beware of Bizum: the Tax Agency warns of hoaxes circulating

Real Decreto 253/2025 - Official regulation on reporting obligations of payment entities.

Last update: December 9, 2025

*did you find this article useful? Share it with other freelancers and individuals who need clear information about Bizum and Hacienda