Overview

• Key dates are Sept. 30 for voluntary setup, Oct. 1 for banks to enable the feature, and Jan. 1, 2026 for full enforcement when transfers above the cap can be blocked or require extra authentication, with banks allowed to assign limits based on history.
• If no preference is set, accounts receive a default cap of 1,500 UDIS per operation, roughly 12,500–12,800 pesos at current values, which users can change later.
• The cap applies to digital transfers such as SPEI, payments to third parties and services, and mobile/online banking, while in‑person card purchases and cash deposits are unaffected.
• Existing regulatory caps for rails like CoDi, Dimo and Transferencias Express remain in place regardless of a user’s configured limit.
• Major banks including BBVA, Banorte, HSBC, Santander and Banamex have published in‑app steps to set or modify limits—often by operation or over periods—with changes available via apps and, in some cases, ATMs or branches; non‑bank fintechs like Mercado Pago and Nu are not covered for now.