The Ministry of Finance has responded to information circulating on social networks to clarify, definitively, how the new tax regulations will affect payments by Bizum from 2026.
In an official note published this week, the department that runs the Tax Agency has flatly denied that private citizens will be audited: the new obligation to provide information falls solely on the invoicing of entrepreneurs and professionals.
The measure, approved last April 2025 and which will come into force in February 2026, obliges financial entities to send monthly reports to the Treasury.
However, the Treasury emphasizes that the objective is to control the income from economic activities, leaving out the daily movements between personal accounts.
What payments by Bizum will be controlled by the Treasury in 2026
Faced with the alarm generated by “incorrect information” that suggested a massive surveillance, the Tax Agency has detailed the limits of the rule:
Money transfers between friends, relatives or acquaintances (the “bizums” between individuals) should not be declared. Banks will not send information on these operations, so the new regulation has no impact on the domestic user.
The regulation is aimed at freelancers and companies that use Bizum as a payment gateway (for example, a store or a plumber who charges for a service). In these cases, the bank will inform the Treasury of their income.
Another key clarification in the press release is the way in which the banks will send the data. It will not be a dump of each individual movement. From February 2026, the entities will report the accumulated monthly turnover of each trade.
Specifically, the information that the Treasury will handle on these businesses will include:
- Complete identification of the entrepreneur or professional adhered to the system.
- Trade number and sales terminals.
- Bank accounts linked to the collections.
- The total amount billed through Bizum in the month.
With this communication, the Government seeks to tackle tax fraud in the collection of professional services, while keeping intact at the same time the privacy of citizens’ private transactions.