OCU confirms that Bizum between friends is not declared to the Tax Agency

The Organization of Consumers and Users (OCU) has clarified a recurring doubt among Bizum users. Regular payments between individuals, such as splitting a dinner bill or travel expenses, do not need to be declared to the tax authorities. The new 2026 regulation focuses on payments from business owners and professionals, not on small personal transactions.

three friends using a smartphone showing a Bizum payment confirmation screen, one person tapping the phone screen while another holds a wallet, a small restaurant receipt on the table with coins and a split bill, warm ambient lighting, photorealistic technical illustration, soft focus on the phone display, casual indoor cafe setting, hands interacting with the device, relaxed social atmosphere, no text or numbers visible on screen, cinematic depth of field, realistic skin textures and reflections on glass

Technical keys to bank control for freelancers in 2026 💡

The European DAC7 regulation, which Spain will implement in 2026, requires banks to report monthly on payments received via Bizum. This only applies if the money comes from an economic activity. Freelancers must declare this income like any other payment method. The key is not in the app, but in the origin of the money: personal or professional. The bank will not judge, it will only report the flows.

The drama of the freelancer who collected payments with Bizum 😅

While we mere mortals share the cost of a pizza without fear of the taxman, the freelancer who charges for a three-stroke logo via Bizum is already sweating. The OCU makes it clear: the tax authorities are not after your company dinner, but they are after those who invoice without an invoice. So you know, if you are a freelancer, it is better that your Bizum comes with a proper invoice. Or you will end up paying double what you charged.