Sometimes, helping someone you love is as simple as tapping a screen.
A son struggling to pay rent.
A daughter starting a new life with a mortgage.
A friend who needs a little push at the end of the month.
In Spain, Bizum has become that silent bridge—fast, simple, human. No queues. No paperwork. Just a phone number and trust.
But starting January 1, 2026, that simplicity comes with new rules. And understanding them is not optional anymore.
This article will guide you—calmly, clearly, and honestly—through what’s changing, what it means for you, and how to keep using Bizum safely, legally, and intelligently.
Because helping should never turn into a problem.
First of All: Why Bizum Is No Longer “Invisible”
For years, Bizum felt like cash. Quick. Personal. Untraceable in spirit.
But unlike cash, Bizum leaves a digital footprint.
Under Royal Decree 253/2025 (April 1, 2025), Spanish tax authorities will no longer focus only on large transactions. Until now, banks only had to report card-based income above €3,000.
From January 2026 onward, there is no minimum threshold.
That means:
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Small amounts
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Repeated transfers
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Monthly help for rent or mortgage
All of them can now be monitored.
The Spanish Tax Agency (Agencia Tributaria) will shift its attention from how much to how often.
And that changes everything.
If you regularly send Bizum payments to help someone pay rent or a mortgage, you must be able to explain why.
However, What Happens If You Say Nothing?
Silence, in tax matters, is rarely neutral.
According to tax expert José María Salcedo, if recurring Bizum payments are detected and no justification is provided, the Tax Agency may automatically consider them a donation.
In most cases:
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Donations from parents to children fall under Gift and Inheritance Tax
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This tax is managed by regional governments
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Many regions offer tax benefits—but only if donations are declared on time and properly
Here’s the risk:
If the Tax Agency discovers these payments later, you may lose all tax benefits, even if your region normally offers generous reductions.
No declaration.
No public deed.
No protection.
What began as help could end as a penalty.
Therefore, The Smart Way: Formalize a Private Loan
There is a better path. A safer one.
If you want to help your child or a relative pay rent or a mortgage without tax issues, the most recommended option is to formalize a private loan.
Yes—even between parents and children.
This loan:
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Can be interest-free
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Must be written and signed
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Must clearly state repayment terms
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Does not require a notary
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Is subject to ITP, but fully tax-exempt
The key word here is proof.
You are not just helping—you are documenting help.
Meanwhile, How Should the Money Be Repaid?
This part is crucial.
Repayment should always be done via bank transfer, not cash.
Why?
Because Bizum and bank transfers create a traceable record.
Even if you issue receipts for cash payments, the Tax Agency may still question them. Without a clear digital trail, they may assume the loan was never repaid—and reclassify it as a donation.
And once that happens, you’re back at square one.
So:
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Loan agreement ✔️
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Clear repayment schedule ✔️
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Digital repayment trail ✔️
Simple. Clean. Safe.
On the Other Hand: What About Income Tax (IRPF)?
Good news here.
For parents or lenders:
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No IRPF taxation applies if the loan is interest-free
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No capital gains
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No additional reporting
The only exception is when the loan includes interest.
In that case:
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Interest must be declared as capital income
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Reported annually in IRPF
But if your goal is simply to help—not profit—an interest-free loan keeps things straightforward.
Finally: Using Bizum Smartly in the New Era
Bizum is not the problem.
Lack of planning is.
Used correctly, Bizum remains:
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Fast
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Secure
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Convenient
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Ideal for family support
But from 2026 onward, clarity matters more than speed.
If you send money regularly:
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Define the reason
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Choose the right legal structure
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Leave a digital trail
Helping someone should feel light, not risky.
And with the right approach, Bizum remains exactly what it was meant to be—a tool that connects people, not problems.
Thinking of Using Bizum More Often?
Make sure your financial actions are as transparent as your intentions.
Plan ahead. Document wisely. Use digital services the smart way.
Because peace of mind is the best transfer you can make.