The world of personal finances in Argentina has changed radically in recent years. With unification Virtual wallets and Instant transfersMillions of Argentines move large sums of money every day. However, this facility brings with it strict monitoring by tax agencies, especially towards the end of the year, with December 2025 being a crucial date for the balance sheet.
In this context, the Customs Collection and Control Agency (ARCA) – the agency under the Ministry of Economy – has positioned itself as the main guardian of financial transparency. Your task is simple but essential: Prevent tax evasion and money laundering by monitoring transactions that exceed certain limits. Therefore, knowing the transfer limits confirmed by ARCA is vital for any taxpayer, from the average user to the monotributista with high turnover.
Confirming these movement limits is not just a bureaucratic reminder, but a practical guide to avoiding the dreaded tax radar. Exceeding these numbers without sufficient documentary support could lead to account blocking, blocking of transactions and possible application of sanctions, turning a simple financial transaction into a legal and accounting headache by the end of 2025.
Maximum transfer: How much can I transfer without problems?
The central data that all users of virtual wallets (both those working with CVU and bank wallets with CBU) should take into account is The total amount they can transfer per month without triggering ARCA alarms.
The number set by the tax agency as a maximum of Transactions between virtual wallets are $50,000,000 (Fifty million pounds) Natural persons. It is important to note that this limit applies to the total amount of revenue and expenses recorded during the reporting period, not just to individual transfers. to Legal persons (Companies) The monthly movement limit is adjusted to $30,000,000 (Thirty million pesos).
This limit is applied uniformly, as ARCA monitors fund flows without distinguishing between account type, focusing on compliance with tax obligations by taxpayers. The agency has the authority to launch automatic investigations when these amounts are exceeded, so justifying the funds is more important than ever.
ARCA and control of virtual wallets.
Documentation that ARCA will require if you exceed the limit for transfers
The main problem that we seek to avoid by respecting the limits is not preventing employment, but rather opening a tax investigation that may lead to… Strict penalties if the source and destination of the funds cannot be justified.
When a taxpayer exceeds the $50 million threshold, ARCA has the right to request a series of documents supporting the legality of operations. Not having these documents in order can result in… Asset retention Or for Temporary blocking of virtual and bank accounts.
Among the key documents that a collection agency may request are:
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Pay slips and pension receipts.
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Tax returns (Monotax, earnings, personal assets).
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Issuing sales or service invoices if the person is conducting a commercial activity.
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Proof of transfers that justify previous movements of funds.
For single distribution subscribers, if the sum of transactions exceeds the maximum annual billing category, the situation is more sensitive, as they may face exclusion from the simplified system.
The special case of PayPal: the wallet that ARCA does not control
A fact of interest to those who work with international currencies is the status PayPal. The Customs Collection and Control Agency cannot directly supervise account data or internal transactions on this platform.
The reason for this exception is that PayPal is a US-based company, has no physical representation in Argentina, and, essentially, there is no direct tax information exchange agreement that requires the company to report the movements of its users to the Argentine organization.
But the calm is relative. If a user makes a transaction from their PayPal account to a virtual wallet or local bank account, ARCA will be able to detect this movement upon entering the Argentine financial system. Therefore, the recommendation of specialists is that although the platform is not under direct control, the movement limits are always respected and the funds that finally enter the country are always justified to avoid future investigations and tax penalties.