Overview
- ARCA raised the information threshold for cooperatives and mutuals to $1,600,000 per subject from $10,000 under Resolution 5763/25 as part of a simplification drive.
- For October 2025, transfers and accreditations can reach $50,000,000 for individuals and $30,000,000 for legal entities before automatic reporting applies.
- Other October limits include $10,000,000 for cash withdrawals, month‑end balances of $50,000,000 for individuals and $30,000,000 for companies, and term deposits of $100,000,000 for individuals and $30,000,000 for companies.
- Banks and virtual wallets must automatically report movements above the caps, may retain funds pending documentation, and can escalate suspicious cases to the UIF; exceedances do not trigger automatic account blocks.
- Typical proofs requested to justify funds include invoices, sales contracts, pay stubs, monotributo certificates, or an accountant‑signed origin‑of‑funds statement, and attempts to split transfers can generate alerts or cumulative‑total reviews.