Up to what amount can digital transfers be made without ARCA control in February?

Revenue Collection and Customs Control Agency (ARCA) defined the limits on money and transactions that banks and digital wallets can record without requiring documentation about the origin of the funds.

Knowing these caps is key to avoiding account freezes, requests for justification, or automatic reports to oversight agencies.

What are the maximum amounts monitored by ARCA in February

ARCA monitors transfers, credits, balances, and transactions that exceed certain amounts. When these are exceeded, financial institutions must report the transaction.

For individuals, the monthly limit is $50,000,000. In the case of legal entities, the cap is $30,000,000, considering all transactions together.

Current caps that trigger controls

• Transfers or credits: $50,000,000 (individuals) and $30,000,000 (legal entities).
• Cash withdrawals: $10,000,000 for both cases.
• Bank balances at month-end: $50,000,000 and $30,000,000.
• Transactions in digital wallets: $50,000,000 and $30,000,000.
• Time deposits: $100,000,000 (individuals) and $30,000,000 (legal entities).
• Purchases as end consumer: $10,000,000.

What information banks and wallets must report to ARCA

The platforms must submit informative sworn statements when the amounts reach or exceed the established limits. The level of detail depends on the fiscal period.

Up to fiscal period 03/2026

The information includes the list of accounts, the number of holders, the total inflows and outflows, and the final monthly balance of each account.

Reporting occurs only if inflows, outflows, or balances reach $50,000,000 for individuals or $30,000,000 for legal entities. For balances, both positive and negative amounts are taken into account.

From fiscal period 04/2026 onward

The regime is expanded and requires a higher level of detail. Identifying data of holders, total number of accounts, and the type of account (CVU, CBU, or other) are reported.

The issuing institution, the inflows and outflows that change the available balance, and the final visible balance for the user are also detailed.

The reporting obligation is triggered when consolidated transactions or balances reach the same caps: $50,000,000 for individuals and $30,000,000 for legal entities.