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5h ago

Mexico Activates User-Set Transfer Caps as MTU Rule Takes Effect

Regulators say the customer-defined cap adds a fraud-prevention check without limiting access to funds.

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
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Overview

  • Starting October 1, banks must offer MTU settings in apps and branches, and accounts without a user-defined limit will get a bank-assigned cap commonly set at 1,500 UDIS (about 12,800 pesos).
  • Full enforcement arrives January 1, 2026, when all customers must have an MTU configured or the bank will set one based on transaction history and notify the user.
  • The control applies to outgoing digital operations via internet, mobile and phone banking, covering SPEI, CoDi, Dimo and app-originated payments, and users can adjust their limits at any time.
  • Transfers that exceed the configured cap will require extra authentication such as a token, SMS code or biometrics rather than being automatically blocked.
  • Level‑1 (N1) accounts are exempt, and while corporate platforms are treated differently, individuals running businesses from personal banking should review and set appropriate limits; major banks like BBVA, HSBC, Santander, Banamex, Banorte and Banco Azteca have published setup guides.