Funding will control all autonomy and companies from 2026
the The Tax Agency will receive the Bizum banking operations by self -companies and companies As of January 1, 2026. This is dictated by the Royal Decree 253/2025, which was published in the Official Gazette of the State (BOE), which suppresses the minimum of the threshold that forced the financial entities to report only about the transfers that exceed 10,000 euros.
With this decision, the Treasury strengthens the financial control strategy on digital payment, while paying special attention to the increasing use of Bizum in Sectors such as trade, hospitality and personal services. In addition, the purpose of this procedure, according to the Ministry of Finance, is to prevent fraudulent practices and Ensure that all economic transactions are registered and advertising.
But how will these movements be informed? The royal decree proves that financial institutions must Send a detailed monthly report on this type of operationIncluding data such as the recipient’s identity, trade number, used payment stations, total amounts and relevant bank accounts.
For self -working workers, who use this assembly method, this procedure may be a problem, especially since many of them use the same bank account for their personal and vocational financing. Therefore, this confusion may be born in the tax agency when explaining its economic movements, which will increase The risk of exposure to searches or penalties.
On the other hand, it is important to remember that, in the past, the threshold of the financial entities to inform the cabinet was by movements through Bizum 3000 euros. But with this change, all operations will be controlled by the Tax Agency, so Business or worker will be opened if an unusual activity is discovered.
Thus we use Bizum in Spain
Bezum arrived in Spain at the end of 2016, and since then, she established herself in The most popular payments in our country For the process when sending or receiving money from other people immediately.
At the end of 2024, more than 28.2 million people used Bizum through 38 banking brands, with an average of 3 million daily operations, This is equivalent 35 bizums per second. In addition, e -commerce was one of its great operating programs, because the platform has doubled for the fifth year in a row in the size and value of its operations in this field, as it reached 58 million purchases with a total value of 3,107 million euros.
On the other hand, throughout this year, Bezum made a jump from SpainBecause the platform extended its services to Allow shipping and receipt of money between Portugal, Italy and Andora users Without the need to download new mobile applications, open additional accounts or change habits.
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