As of December 2025, Customs collection and control agency ARCA applies stricter controls to all banking and digital operations.
Banks and Virtual wallets They should automatically report any transfer, payment or movement that exceeds current limits. Knowing these limits is key to avoiding withholdings, documentation requests, or penalties.
Limits on bank transfers and movements effective December 2025
General Decision 5512/2024 set the maximum amounts allowed before a transaction is reported to ARCA. These limits apply to both banks and digital wallets.
What are the transfer limits in December 2025?
- Transfers and credits
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- Individuals: up to $50,000,000
- Legal entities: up to $30,000,000
Includes transfers between own accounts, third party accounts and FinTech transactions.
Applies to ATMs and counters.
- Bank balances at the end of the month
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- Individuals: $50,000,000
- Companies: $30,000,000
Banks must automatically report any balances exceeding those amounts.
- Fixed deadlines
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- Individuals: $100,000,000
- Legal entities: $30,000,000
Control includes renewals and creation of new deposits.
- Movements in virtual wallets
- $50,000,000 for individuals
- $30,000,000 for legal entities
Includes income, expenses and internal payments.
- Purchases as a final consumer
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- Maximum: $10,000,000
Covers purchases using debit card, credit card or digital payments.
- Public payments
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- Individuals: $50,000,000
- Legal entities: $30,000,000
Includes payments for services, suppliers, tuition fees, and electronic operations.
What happens when the limit is exceeded?
When someone exceeds any of the December limits, the process is automatically reported coffinWhich enables the body to:
- Request supporting documents for the origin of funds.
- Verifying the declared economic capacity of the taxpayer.
- Request for preventive seizure of funds.
- Initiating inspections or investigations.
Banks and virtual wallets may temporarily suspend the transaction until the person submits the required paperwork.
What documents can ARCA request?
Among the most requested receipts are:
- Pay slips, retirement certificates or income summaries.
- Invoices issued (unilateral tax or general system).
- Tax returns or records.
- Purchase and sale contracts or certificates of operations.
- Reports signed by the General Accountant.
If a person cannot justify the movement, ARCA may apply financial penalties or temporarily block the accounts used.
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