everything that changes (and what doesn’t) in transfers with this system

There has been a lot of talk about the possible changes that were going to be introduced in payments with Bizum, especially due to the important changes in tax regulations of digital payments. Therefore, we are going to take the opportunity to clarify what are the changes for 2026 in payments on this platform.

What we are going to do is give you a list of keys to take into account when using Bizum during 2026. We will confirm something important that does not change, but also everything that is going to change. The changes are to combat fraud in economic activity, but not to control.

Changes in Bizum in 2026

Let’s go with the list of news to take into account about Bizum, with what changes but also some things that don’t change although there have been rumors about it. We start with what remains the same, and then we continue with the things that do change.

• Payments to friends and family are not monitored: Let’s start with the biggest concern. The Treasury has confirmed that it will not monitor payments between friends and family. Come on, without changes between movements between individuals (C2C). Come on, if you use Bizum to pay for a dinner, send a small amount of money or pay for birthday gifts, NOTHING CHANGES.
• Limit of 10,000 euros. Although not all changes will be monitored, there is a limit to take into account. If you pay more than 10,000 euros per year with Bizum, then you will have to declare them. We could say that it is the spending ceiling. If you do not exceed this amount, you do not have to declare anything.
• If you exceed 10,000 euros: Whether you exceed 10,000 euros per year with Bizum or if you move more than 25,000 euros with your card, then your bank will have the obligation to report the movements to the Treasury to prevent money laundering.
• Changes for companies and self-employed workers: From now on, if you use Bizum as a tool for professional collections, entities must report your movements monthly. The limit of 3,000 euros has been eliminated, and is now reported from the first euro. Be careful if you are an individual and receive recurring payments for undeclared work, you could be caught.
• Bizum to other European countries: Thanks to the alliance with EuroPA and EPI Companyit is expected that in the summer of 2026, starting in the summer you could start sending Bizums to other European countries such as Germany, France or Italy.
• Payments in dataphones: Bizum wants to allow you to pay with ATMs without needing a physical card or NFC, just with your phone number. There is no date for this yet.

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