Overview

• Sept. 30 is the voluntary deadline to personalize the Monto Transaccional del Usuario; from Oct. 1 banks must offer the setting in apps and will apply a default if none is chosen.
• Banks may assign a standard cap of 1,500 UDIS (about 12,800 pesos) or set limits based on a customer’s recent transaction profile.
• The cap applies per transfer on electronic operations such as SPEI, CoDi, Dimo and payments to third parties, and it does not cover in‑person card purchases, cash deposits or preauthorized domiciled charges.
• Transfers that exceed the set amount will require extra authentication — via SMS, email, call, token or biometrics — and may be blocked if not validated; users can change limits at any time at no cost.
• Cuentas de Nivel 1 are exempt, some major banks already enabled the control while others switch it on Oct. 1, and certain fintech platforms like Mercado Pago and Nu report they are outside the current scope; full operational enforcement begins Jan. 1, 2026.