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Paying IBI (property tax) in Málaga: deadlines, direct debit and surcharges

Property tax (IBI) is collected by GESTRISAM: in 2026 urban IBI is paid in two halves (1 April to 5 June and 3 August to 5 October) or by direct debit in four 25 % charges.

Who: The owner (or usufructuary) of the property on 1 January; if you sell during the year, that year's bill is yours.

Our English summary of the official information, which is in Spanish (official name: Pagar el IBI en Málaga: plazos, domiciliación y recargos).

Checked against the official pages on 15 October 2026.

Our English translation; the official pages and forms are in Spanish.

Cost
The amount depends on the cadastral value: general rate of 0.4510 % for urban property (2024 tax year). If you miss the voluntary payment period, the debt goes to enforcement with a 5 %, 10 % or 20 % surcharge plus late-payment interest.
Time limit
2026: from 1 April to 5 June and from 3 August to 5 October, half in each period; by direct debit, in four 25 % charges from June to December

What you need

  • The bill or payment letter (if you do not have it, get it on the Sede Electrónica)
  • To pay by direct debit: direct debit order signed by the account holder
  • To pay in more instalments: Flexipago application

Step by step, online

  1. 1Pay by card or Bizum on the partner banks' payment gateway, without a digital certificate, using the bill details
  2. 2With a digital certificate or Cl@ve: pay or set up direct debit in Mi Carpeta on the Sede Electrónica
  3. 3For direct debit: the «Domiciliación bancaria de recibos» procedure on the Sede Electrónica

Step by step, in person

  1. 1Pay with the payment letter at BBVA, Banco Santander, CaixaBank, Cajamar, Caja Rural del Sur, Kutxabank or Unicaja (counter or cash machine)
  2. 2At GESTRISAM (Tabacalera), by appointment, payment is by card only
Get the payment letter (Sede Electrónica)Book an appointmentor call 951 92 60 10 / 010

Where

  • GESTRISAM, Tabacalera building

    Avenida Sor Teresa Prat, 17, 29003 Málaga

    951 929 292

  • Municipal Citizen Service Offices (OMAC)

    951 926 010

Direct debit must be requested at least twenty working days before the voluntary period ends; otherwise it applies from the following year. Large families get a 60 % reduction on their main home if they apply before 31 January.

Official sources

This guide summarises these official pages (in Spanish; the page titles are theirs). Amounts and deadlines are those they publish; if they change, the official page prevails.

Frequently asked questions

What documents do I need for “Paying IBI (property tax) in Málaga: deadlines, direct debit and surcharges”?

According to the official information: The bill or payment letter (if you do not have it, get it on the Sede Electrónica); To pay by direct debit: direct debit order signed by the account holder and To pay in more instalments: Flexipago application.

How much does “Paying IBI (property tax) in Málaga: deadlines, direct debit and surcharges” cost?

According to the official page: The amount depends on the cadastral value: general rate of 0.4510 % for urban property (2024 tax year). If you miss the voluntary payment period, the debt goes to enforcement with a 5 %, 10 % or 20 % surcharge plus late-payment interest.

Where is it done?

It is done online or in person; it is handled by GESTRISAM (Málaga City Council tax agency). Online, on its official website or e-office. In person: GESTRISAM, Tabacalera building (Avenida Sor Teresa Prat, 17, 29003 Málaga); Municipal Citizen Service Offices (OMAC).

Do I need an appointment?

Yes, for in-person service: book it on the official appointment website or by calling 951 92 60 10 / 010.

How long does it take?

According to the official page: 2026: from 1 April to 5 June and from 3 August to 5 October, half in each period; by direct debit, in four 25 % charges from June to December.

Who can do it?

According to the official information: The owner (or usufructuary) of the property on 1 January; if you sell during the year, that year's bill is yours.

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