The New 2025 Guide to Bizum Transfer Limits

Full guide to Bizum, Spain’s favourite quick money transfer app —and when the taxman comes calling.Over 25 million Spaniards are hooked on Bizum—but there’s a catch to every tap.Credit: Wirestock Creators, Shutterstock

It’s quick, it’s free, it’s on your phone—and it’s got Spain in a right digital frenzy. Since bursting onto the scene in 2016, Bizum has become the go-to app for instant mobile payments between friends, family, and even that flaky mate who always forgets their wallet. But behind the convenience, there’s a web of rules that could leave you red-faced—and potentially red-flagged by the taxman.

Spain’s favourite quick payment app

According to figures from the platform itself in early 2025, a whopping 25 million people in Spain now use it, sending cash zipping across mobiles faster than you can say “¿Me haces un Bizum?”.

And it’s not just the odd tenner for pizza. The app clocks up over 80 million transactions a month, with the average transfer falling somewhere between €30 and €60.

The fine print: How much can you bizum?

But while Bizum feels easy-breezy, there’s a financial firewall behind the scenes—and the limits are tight. As of 2025, here’s what you need to know:

Minimum per transaction: €0.50
Maximum per transaction: €1,000
Daily send limit: €2,000
Monthly send limit: €5,000
Max operations received per month: 60
Online purchases: Limit varies by bank

Banks can tweak these limits slightly.

Bizum bloopers: What happens when you go too far?

Push past those limits and the consequences can be a headache:

Transaction blocked
Account temporarily frozen for verification
Access to Bizum suspended
Bank could pull the plug on your digital services

But here’s where it gets really interesting. If you’re regularly sending or receiving large sums—or if something about your transactions smells fishy—Hacienda (Spain’s tax authority) might just start sniffing around.

If you’re passing cash back and forth like it’s Monopoly money, the banks could be legally bound to report you. Think payments for undeclared work, suspicious patterns, or split transactions meant to dodge detection.

Under Law 10/2010 on anti-money laundering, banks must report:

Transfers totalling over €10,000 annually
Transactions that appear fragmented to avoid limits
Any suspicious economic activity with no clear explanation

And no, Bizum won’t grass you up directly—but your bank definitely will.

Can you change your Bizum limits? Possibly. Dodge the rules? Not likely.

Need to move more money? Many banks let you increase your limits temporarily via the app. Some even do it instantly, no need to pop into a branch. But if your goal is to sneak under Hacienda’s radar, think again. Spain’s financial watchdogs have seen it all before.