ARCA controls the transfers between its own accounts: from what amount it can request explanations.

Transfers between personal accounts are becoming increasingly common among banking users and virtual wallets in Argentina. However, although moving money between accounts of the same holder is not prohibited, ARCA is monitoring these operations and has established new limits for June 2026.

The Revenue and Customs Control Agency seeks to detect fiscal inconsistencies and movements that cannot be justified. Therefore, both banks and payment platforms must automatically report certain operations when they exceed specific monthly amounts.

From what amount ARCA controls transfers between personal accounts

According to the current parameters for June 2026, ARCA will activate automatic controls when the accumulated transfers between personal accounts exceed certain monthly limits.

• Individuals: from $50 million accumulated monthly.

• Companies or legal entities: from $30 million accumulated monthly.

One of the key points is that the agency does not analyze each transfer individually, but rather the total accumulated movements made throughout the entire calendar month.

This means that several small operations can also come under review if, when added together, they exceed the limits established by the tax authority.

What other operations ARCA monitors in June 2026

In addition to transfers between accounts of the same holder, the agency also monitors other financial movements considered relevant.

• Cash withdrawals: from $10 million accumulated.

• Monthly balances in accounts: from $50 million for individuals.

• Fixed terms: from $100 million.

These controls apply to both traditional banks and virtual wallets and payment service providers.

What documentation ARCA may request

When a person exceeds the established limits, an automatic sanction does not apply. However, ARCA may initiate a review and request documentation that justifies the source of the funds.

Among the most requested documents are:

• Tax returns.

• Pay slips.

• Issued invoices.

• Sales contracts for goods.

• Income certificates.

Experts recommend keeping all supporting documentation updated to avoid problems in the event of possible requests from the agency.

What can happen if the funds are not justified

If the taxpayer cannot properly demonstrate the source of the transferred money, ARCA may proceed with deeper audits.

In the most complex cases, preventive account blockages or reports to the Financial Information Unit (UIF) could even occur.

For this reason, those who frequently make transfers between personal accounts should pay attention to the accumulated amounts and keep their entire tax situation regularized.