Remittances are part of everyday life. It is necessary to know the limits and documents required by banks and ARCA to avoid problems
11/27/2025 – 10:00 am
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with Strong growth in digital operationsand associated regulations coffinRemittances and money movement are becoming increasingly important. In this context, it is important to know Amounts for which banks and supervisory bodies may request additional information To verify the source of funds.
The official goal is to ensure Traceability And discovering processes that do not receive sufficient support. In this sense, when the money comes from obvious operations, e.g Acquisition of a propertythe Selling a vehicle also Work that has been invoicedNo problem.
However, in cases where they move Large amounts without clear justificationControls are usually more stringent. If the source of funds cannot be proven, ARCA has the ability to do so Applying penalties, freezing the account and even referring the situation to the Financial Information Unit (UIF).
The most common thing is that the organization is investigating a possible matter Cause of money laundering. Therefore, adherence to these requirements and maintenance Adequate backups It is necessary to avoid complications.
Transfer and transaction limits in October 2025
Since June 2025, updated limits have been in effect, which are adjusted each semester in accordance with Consumer Price Index (INDEC). The current values are:
- Transfers or credits: US$50,000,000 for individuals and US$30,000,000 for legal entities
- Cash withdrawal: $10,000,000 in both cases
- Bank balances at the end of the month: $50,000,000 for individuals and $30,000,000 for legal entities
- Fixed terms: $100,000,000 for individuals and $30,000,000 for legal entities
- Transfers in virtual wallets: $50,000,000 for individuals and $30,000,000 for legal entities
- Holdings in joint-stock companies: $100,000,000 for individuals and $30,000,000 for legal entities
- Final consumer purchases: up to $10,000,000 without additional information required
- Payments: US$50,000,000 to individuals and US$30,000,000 to legal entities
Therefore, Receive or make a transfer of 200 thousand pesos In November or December does not involve any risk, unless a large number of operations are performed earlier.
Documents necessary to justify the source of funds
In order for the funds to be released without delay, it is important to file Backups in an organized manner. Typically required documents include:
- Purchase and sale contracts and payment receipts
- Invoices issued, whether by monotributistas or registered responsible parties
- Salary or pension receipts
- Proof of registration with monotax
- Certificates of origin of funds issued by a certified public accountant
Having this updated information is especially important for those implementing Repeated or high value transactions. Moreover, it is necessary to be correctly Registered with ARCA When services or sales are invoiced on a regular basis.
What to do if the transfer is blocked
If a The bank blocks the transactionIt’s convenient:
- Submitting the documents required by the entity
- Inform the bank in advance if you expect to receive a large amount, indicating its source
- Avoid splitting a large transfer into several smaller transfers, as this may create additional alerts
- Taxes and liabilities realized in transfers
Transfers are not exempt from Current tax burdens. Among the taxes that may apply are:
- Gross income: with approximate deductions of 2.5%
- Check tax: which means 0.6%
In most cases, liability for these Taxes It is the responsibility of the person receiving the money. It is important to keep in mind that although the concept of transportation serves as a reference, it also functions Backup in case of future checks By regulatory authorities.