Overview
- All banks must enable configuration of the Monto Transaccional del Usuario (MTU) in their apps and online platforms starting October 1, 2025, per the DOF disposition.
- If a customer does not set a limit, a default cap of 12,360 pesos will apply, and transfers above that threshold can be blocked or require additional authentication.
- Use of the MTU becomes mandatory for digital and mobile banking customers on January 1, 2026, according to the official notice.
- Users can choose per‑operation, daily, or monthly limits, and edits or out‑of‑pattern movements may prompt verification via SMS, token, email code, or biometrics.
- The decree does not establish fines for users, and banks are notifying customers as controls roll out for transfers via SPEI, CoDi, Dimo and other electronic payments.