Starting October 1, 2025, a new regulation from the National Banking and Securities Commission (CNBV) will go into effect. This regulation establishes the User Transaction Amount (MTU), which will determine the daily limit for electronic transfers in Mexico.
The MTU will be freely defined by each customer, according to their financial needs and spending habits. If a limit is not set by September 30, the banking institution will automatically assign a limit of 1,500 UDIS, equivalent to approximately 12,800 pesos.
This measure will apply to transactions carried out in Mexico through mobile banking, online portals, branches, and telephone services, including SPEI, CoDi, and Dimo transfers. The goal is to give users greater control over their financial activity and strengthen security against fraud attempts.
Mexico and the Operation of the MTU
The system will function as an additional lock: any transfer less than the amount defined by the user will be processed normally, while those exceeding the limit will require prior authorization or a limit adjustment.
For example, if a customer sets a daily limit of 10,000 pesos, any lower transaction will be processed without issue; if the amount is higher, the limit will need to be modified before executing the transfer.
In Mexico, financial institutions must enable mechanisms to configure and modify this parameter from mobile applications, online portals, branches, and telephone support, immediately and as often as the customer requests.
In this way, the MTU becomes a tool that seeks to protect digital transactions, offering users in Mexico an extra layer of security against unauthorized or fraudulent transactions.
Source: criteriohidalgo
