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7h ago

Mexican Banks Enable In-App MTU Controls Ahead of Oct. 1 as Users Face Default Transfer Caps

The CNBV rule gives customers control over digital transfer limits to curb fraud, with banks set to assign a 1,500 UDIS cap if no preference is configured.

En caso de no personalizar manualmente la MTU antes del 30 de septiembre de 2025, el banco lo hará por ti
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Para mayor seguridad, debes definir tu MTU (Monto Transaccional del Usuario) en tu app bancaria.
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Overview

  • From October 1, banks must offer MTU settings in their apps, and the regime becomes mandatory on January 1, 2026, when defaults apply if users have not set limits.
  • If left unset, institutions will cap transfers at 1,500 UDIS per operation—about 12,800 pesos at the current value—and may require additional authentication for higher amounts.
  • The measure covers most online operations such as SPEI transfers, CoDi/Dimo payments, and service or card payments, and it does not affect in-person card purchases or cash deposits.
  • BBVA, Citibanamex and Santander have activated MTU options and published step‑by‑step guides so customers can define per‑operation, daily, weekly or monthly limits now.
  • Nu México said the requirement applies only to entities already operating as banks, so its customers do not need to configure MTU until it begins bank operations.