Understanding payment limits with Bizum: what merchants should know

MONEI | November 21, 2025

As a vendor accepting payments through Bizum, it’s important to understand how its limits and regulations can impact your business operations. In this article you’ll get clarity on what the limits are, why they matter, and how to plan accordingly.

Bizum limits for businesses (vendors)

For businesses accepting payments via Bizum for Businesses, the platform itself generally removes the strict limits on the number of transactions and the daily/monthly received amounts that apply to personal accounts.

However, the maximum amount per transaction is still subject to limits set by the customer's bank.

The restrictions on the number of transactions and the maximum amount received per day/month that apply to individual P2P transfers (60 transactions received per month, €2,000 daily received limit with a €1,000 limit per transaction) do not apply to professional accounts used by merchants:

Number of transactions received: Unlimited for in-person and online transactions
Maximum amount per transaction: Set by the Customer's Bank. (Ranges vary widely; see below), both for in-person and online transactions
Minimum amount per transaction: €0.50 (Varies by bank/system) for in-person transactions and €0.01 (Often lower than P2P) for online purchases
Daily/Monthly received limit: No platform limit (for the vendor's business account), neither for in-person nor online transactions

Maximum amount per transaction with Bizum for the top Spanish banks

The most critical limit for vendors is the maximum amount a customer can pay you in a single transaction. This is set by the customer's bank.

While the general Bizum P2P limit is €1,000 per transaction, major banks set much higher limits for e-commerce/business payments. These limits are subject to change, so you should always check with your payment service provider (like Stripe, Redsys, etc.) and your bank for the most up-to-date and specific figures.

Max amount per business/online transaction with Bizum:

Banco Santander: Up to €15,000
CaixaBank: Up to €1,500
BBVA: Up to €3,000
Banc Sabadell: Varies, but is typically high for e-commerce/business.

Note: These limits are set by default: for most major Spanish banks, a customer can modify the limits for Bizum transactions, especially for online purchases, similar to how they can modify the limits on their credit or debit cards.

Pro tips:

To prevent a customer's payment from being declined, it is best practice to disable Bizum as a payment option for transactions that exceed the lowest common limit among major banks, or the limit of the majority of your customers' banks.

If a customer contacts you saying their Bizum payment was rejected due to a limit, your best advice is to tell them to check their bank's app under the security, card, or Bizum settings to raise their "Limite de Compras Online" (Online Purchase Limit).

Bizum limits for freelancers in Spain

For Spanish autónomos (freelancers) using Bizum, the situation often falls into a grey area between the strict personal limits and the unlimited business limits.

In general, if an autónomo is simply using their personal bank account to receive payments from clients via the standard P2P Bizum function, they are usually subject to the personal limits.

However, while the limits on the number of transactions can sometimes be waived or increased for professionals, the daily amount limit remains a significant restriction.

Here is the breakdown, based on current banking practices and official platform restrictions:

The most common and restrictive limits that apply to autónomos using the standard P2P function are:

Max amount per transaction: €1,000
Max received per day: €2,000
Max transactions received per month: 60

Recommendation for freelancers in Spain: Bizum now recommends to use their Bizum for Freelancers option.

📌 Read our full guide on How to charge your cuestomers as a freelancer in Spain →

Conclusion

Bizum is already one of the most popular payment methods in Spain.

Seize the opportunity to satisfy your clients and improve your payments conversion rate by adding Bizum to your payments stack, both off and online with MONEI.