ARCA keeps limits for transfers and virtual wallets and requires justification of funds if these are exceeded
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The Revenue Collection and Customs Control Agency (ARCA) keeps the limits that apply to bank transfers and transactions in virtual wallets. These limits, reported by the media based on current regulations, are key to preventing account blocks and requests for documentation.
Transactions that exceed the permitted amounts may trigger alerts from the agency and result in a requirement to justify the origin of the funds. Below is the full breakdown of the values established for December 2025.
Placa de la Agencia de Recaudación y Control Aduanero.
What are the maximum amounts allowed by ARCA
ARCA monitors all financial transactions and requires banks and wallets to report transactions that exceed the monthly limits. This includes transfers, credits, balances, and expenditures.
For individuals, the monthly limit is $50,000,000. For legal entities, the limit decreases to $30,000,000. These values apply to the entire monthly period, not per individual transaction.
Amounts in effect in December 2025
Transfers or credits: $50,000,000 (individuals) / $30,000,000 (legal entities)
Cash withdrawals: $10,000,000 for both cases
Bank balances at month-end: $50,000,000 (individuals) / $30,000,000 (legal entities)
Transfers in virtual wallets: $50,000,000 (individuals) / $30,000,000 (legal entities)
Una de las sanciones es la retención del 5% de las trasnferencias bancarias
What happens if you exceed the limits set by ARCA
When a transaction exceeds the limits, the financial institution must report it immediately. At that point, ARCA may request documentation to justify the origin of the funds.
Common supporting documents include pay stubs, sworn statements, invoices, and proof of previous transfers. If the user fails to provide sufficient proof, the agency may impose sanctions and even temporarily block the account.
Podés regularizar tu situación a través del sitio web de ARCA
How amounts in foreign currency or crypto are calculated
If transactions are in foreign currency, ARCA converts the values to pesos according to the buyer's exchange rate. In the case of cryptocurrencies, the last buyer's value reported by the obligated party is used.
How often does ARCA update the limits
The agency reviews and adjusts all amounts every six months, based on the Consumer Price Index (CPI) published by INDEC.
