You’ve probably heard about the term User Transaction Amount (MTU) in recent days. The term was established by the National Banking and Securities Commission (CNBV). On June 14th of this year, it even published a decree in the Official Gazette of the Federation (DOF) regarding this matter. What is it, and can you incur a fine if you don’t have one? We at MILENIO tell you all about it.
We previously told you that the MTU is a new financial security measure implemented in our country. In short, it’s a limit that mobile and online banking users must set to define the maximum amount of money we can transfer per transaction to third-party accounts, either per day or even per month.
When does the MTU go into effect?
It’s important to note that implementing the MTU is solely for the purpose of increasing digital security and thus preventing fraud. By establishing a limit, the goal is to reduce the risk that, in the event of a theft or hack, criminals could make unauthorized transfers of large amounts of money.
Along these lines, the provisions regulating the MTU were published in the Official Gazette of the Federation. To better understand them, these are the key points to keep in mind:
Starting October 1, 2025, all banks in Mexico must enable the option for users to configure their MTU in their applications and platforms.
The use of the MTU will become mandatory for all digital and mobile banking customers starting January 1, 2026.
If a user does not set their own limit, the bank’s system will assign a default amount. This default amount will be 12,360 pesos.
What other functions does the MTU have?
It’s important to note that the DOF also establishes that banks may use the MTU as a tool to detect and prevent transactions that deviate from each user’s normal usage pattern.
That is, if a transfer is detected that exceeds the established limit, the bank could request an additional authentication factor. Hence the importance not only of establishing a limit, but also of each user determining how much money they can send electronically, either through their bank’s app or online.
Is there a fine for not establishing this limit?
Now that you know this is a necessary action that we must establish before October 1st, or else accept that this amount is a maximum of 12,360 pesos, many are wondering if there is a fine.
The good news is that the DOF does not establish this; in other words, no type of fine for the user is addressed, since the official decree focuses solely on formalizing this new regulatory measure that seeks to protect the finances of Mexicans in the digital age, giving users control over the limits of their transfers and providing banks with an additional tool to combat fraud.
Source: milenio
