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A person holding a mobile phone with the screen on, displaying an app, next to the text "ARCA Customs Revenue and Control Agency."
Transfers under scrutiny: the new limits monitored by ARCA | Camara La Derecha Diario
ARGENTINA

Transfers under scrutiny: from what amount can ARCA investigate you in August

ARCA adjusted the control limits: if your transactions exceed certain amounts, the bank can withhold the money

by

Editorial Team

August began with new rules for those who make high transfers or expenditures. ARCA adjusted the amounts from which banks and virtual wallets must report transactions.

These limits were updated in June with an automatic mechanism based on the Consumer Price Index (CPI). If you exceed any of the thresholds, your transaction may come under the scrutiny of the agency.

A person holds a mobile phone displaying a wallet app with the ARCA logo, which is set to impose a new transfer limit in December 2024.
August began with new rules for those who make transfers | La Derecha Diario

From what amounts is money monitored in August 2025?

Transfers and expenditures are reported when they exceed the limits defined by ARCA, both for individuals and legal entities. These values have been in effect since June 1.

Current thresholds for reporting transactions:

  • Transfers or credits: $50,000,000 for individuals, $30,000,000 for legal entities.
  • Cash withdrawals: $10,000,000 for both cases.
  • Monthly bank balances: $50,000,000 (individuals), $30,000,000 (legal entities).
  • Fixed-term deposits: $100,000,000 (individuals), $30,000,000 (legal entities).
  • Virtual wallets: same thresholds as for transfers.
  • Brokerage firms: $100,000,000 (individuals), $30,000,000 (legal entities).
  • Final consumer purchases: $10,000,000, regardless of the payment method.
  • Payments: $50,000,000 (individuals), $30,000,000 (legal entities).

What can happen if you exceed the amounts?

If a transaction exceeds the thresholds, an automatic alert is triggered. The bank or fintech may withhold the funds preventively until documentation justifying the transaction is provided.

ARCA logo in white letters inside a dark blue circle with two light blue dots, who will have another transfer control regime for virtual wallets in December 2024.
What can happen if you exceed the amounts? | La Derecha Diario

ARCA analyzes those transactions in greater detail to prevent tax evasion, money laundering, or undeclared income schemes.

What supporting documents can the bank or ARCA request?

If the origin of the funds is legal, there shouldn't be any issues. However, you will have to prove it. These are the most common documents that may be requested:

  • Purchase and sale contracts or payment receipts.
  • Invoices issued if you are a sole taxpayer or under the general regime.
  • Pay stubs or retirement income statements.
  • Proof of registration in the sole taxpayer regime.
  • Certificates signed by a licensed public accountant.
A laptop displays the logo of the Revenue and Customs Control Agency on its screen.
What supporting documents can the bank or ARCA request from you? | La Derecha Diario

With these documents, the transaction is generally solved without major complications.

What to do if the bank blocks a transaction?

If a transfer is blocked, the best course of action is to respond quickly with documentation justifying the funds. In addition, it is recommended to:

  • Notify in advance if you are going to receive a large amount, indicating the date and origin.
  • Do not split large amounts to avoid monitoring, as this may raise further suspicion.
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