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

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.

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.

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.

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.