ARCA: the maximum amounts for transfers and virtual wallets in January 2026

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.

In the case of legal entities, the cap is $30,000,000. In addition, cash withdrawals can't exceed $10,000,000 per month.

Purchases as an end consumer also have a maximum limit of $10,000,000.

What happens if you exceed the limits in January 2026

When the established amounts are exceeded, entities must report the transaction to ARCA. From that point on, the agency can initiate controls.

The documentation that they may request includes:

• Pay stubs or social security receipts
• Sworn tax returns
• Invoices for sales or services
• Receipts for previous transfers

Dollars and cryptocurrencies: how amounts are calculated

Transactions in foreign currency are converted to pesos according to the buyer's exchange rate in effect at the time of the movement.

In the case of cryptocurrencies, the last buyer's rate reported by the obligated subject is used as a reference. Failing to justify the origin of funds can result in financial penalties and even in the temporary blocking of accounts.