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2w ago

Banks Urge Users to Set MTU Limits Before Oct. 1 Rollout in Mexico

To curb digital fraud, the CNBV set a 1,500‑UDI default for users who do not choose a limit, with free in‑app changes available.

Mientras cumplas con las normativas fiscales y mantengas registros claros y precisos de tus operaciones financieras, puedes evitar problemas con el SAT.
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El MTU solo limita transferencias SPEI a terceros, pagos de servicios e impuestos. Configúralo pensando solo en ese tipo de operaciones.
El Monto Transaccional del Usuario (MTU) es una herramienta impulsada por la CNBV para reducir riesgos de fraude en la banca electrónica

Overview

  • - From Oct. 1, banks must offer the Monto Transaccional del Usuario (MTU) in apps and online so each customer can cap outgoing digital transfers such as SPEI, CoDi and Dimo.
  • - Users who do nothing will get an automatic cap of 1,500 UDIS (about 12,500–12,800 pesos), and operations above that limit may be blocked or require extra authentication.
  • - The MTU becomes mandatory in operation on Jan. 1, 2026; until then, banks are guiding customers to configure limits now to avoid defaults.
  • - The rule covers traditional banks, not fintechs or sofipos for now; Level 1 (N1) accounts are exempt, and in‑branch transactions, card purchases and transfers between a user’s own accounts are not subject to the MTU.
  • - Regulators clarified accounts will not be canceled for failing to activate the MTU, and banks must allow free, electronic adjustments at any time, including per‑operation, daily, weekly or monthly settings.