Particle.news
Download on the App Store
15 ARTICLES
·
2h ago

Last Day to Set Personal Transfer Caps Before Mexico’s MTU Defaults Take Effect

The CNBV’s new control places a customizable ceiling on outbound digital transfers that triggers extra authentication on higher amounts to deter fraud.

Quedan exentas de la obligación de activar manualmente el MTU las cuentas bancarias de nivel 1, el resto tiene hasta este martes 30 de septiembre para hacerlo
Image
Image
Image

Overview

  • Banks have activated in‑app and online tools to configure the MTU, and Sept. 30 is the final voluntary day before default limits begin Oct. 1, commonly set at 1,500 UDIS (about 12,800 pesos).
  • Users can change their MTU at any time, with options that include per‑operation and, at some banks, daily, weekly or monthly caps; adjustments are free and typically take effect immediately via apps or at branches.
  • If a customer does not set a limit, the bank will assign one, either the reported 1,500 UDIS during the initial period or a cap based on the customer’s transaction history, and must notify the user.
  • The MTU applies to outbound operations through channels such as SPEI, CoDi and Dimo, and transactions that exceed the set amount require additional validation rather than freezing access to funds.
  • Level‑1 accounts are exempt and corporate platforms are generally outside the scope, while full enforcement for retail customers begins Jan. 1, 2026 if a user‑defined limit is still not in place.