Transferring money is an everyday practice, but doing it without knowing the rules can cause headaches. In January 2026, controls remain active and it is key to avoid mistakes that may lead to requests for information or penalties.
The Revenue Collection and Customs Control Agency (ARCA) applies monitoring mechanisms on bank transfers and movements in virtual wallets. Knowing the limits and complying with current regulations is essential to operate without problems.
What you must never do when transferring money in January 2026
Although transferring between your own accounts or third-party accounts is legal, there are practices that can trigger automatic alerts in control systems. These situations usually end in formal requests.
- Ignoring requests from banks or virtual wallets to justify the origin of the money
- Not keeping receipts that support each transfer
- Exceeding the allowed caps without valid documentation
- Making frequent movements for large amounts without declared income
Why it is key to justify the origin of funds
When an entity requests information, responding in a timely and proper manner is mandatory. Failing to do so can generate a Suspicious Transaction Report before the UIF.
ARCA and financial entities can demand explanations even for transfers between your own accounts if the amounts do not match declared income.
What are the current caps that ARCA controls
For individuals, the monthly limit is $50,000,000 in transfers, credits, bank balances, and operations in virtual wallets.
