The Spanish government has approved Real Decreto 253/2025, a regulation that strengthens the flow of information between financial institutions and the Agencia Tributaria. One of the most talked‑about aspects is the new obligation for banks to report Bizum and other instant‑payment transactions made by autónomos and companies.
This has generated confusion online, but the Ministry of Hacienda has clarified the scope of the measure: it does NOT affect private Bizums between friends or family, only payments received by businesses and professionals.
Let’s break down what this means for autónomos and small businesses — and what you should start preparing for.
What Does Real Decreto 253/2025 Actually Require?
According to the Ministry of Hacienda, banks must now send monthly information to the Agencia Tributaria about Bizum and similar electronic payments when the recipient is an autónomo or a company.
This includes:
- Bizum payments received for business activity
- Instant transfers linked to sales or services
- Other electronic payment platforms equivalent to Bizum
The goal is to improve transparency and reduce undeclared income in the digital economy.
How Does This Affect Autónomos?
Autónomos who use Bizum for business must now be especially careful with:
- Correctly issuing invoices for every Bizum received
- Recording Bizum income in their accounting books
- Avoiding mixing personal and business Bizums
- Ensuring their declared income matches bank‑reported data
Hacienda has explicitly stated that Bizums between individuals remain outside the reporting obligation. But if you receive Bizums as part of your business activity, they will be visible to the tax authorities.
What About PYMES?
For small companies, the impact is similar but with additional considerations:
- Internal controls must ensure Bizum payments are linked to proper invoices
- Accounting software should reconcile Bizum income with bank statements
- Cash‑based businesses (beauty salons, small shops, hospitality) must avoid informal Bizum collections
- Monthly bank reporting means discrepancies will be easier for Hacienda to detect
This new system reduces the margin for error — or omission.
Key Points Autónomos and PYMES Must Consider
- Separate personal and business Bizums
- Issue invoices for every Bizum received
- Reconcile Bizum income monthly
- Update accounting procedures and software
- Prepare for possible data‑based tax reviews
Contact us
If you’re an autónomo or a small business using Bizum, this new regulation means your accounting must be cleaner and more consistent than ever.
If you want help adapting your processes, reviewing your Bizum activity, or ensuring full compliance with Real Decreto 253/2025, contact me today. I’ll help you stay ahead of the new rules and avoid surprises from Hacienda.