Circular 10/2026 — Modifications to Circular 3/2012 (Homologation of User Experience in Electronic Fund Transfers via Mobile Devices)

Wednesday, June 17, 2026 OFFICIAL GAZETTE 179
BANCO DE MEXICO
CIRCULAR 10/2026 addressed to credit institutions, regulated multiple-object financial societies that maintain equity links with credit institutions, and the National Financial Development Institution for Agricultural, Rural, Forestry and Fisheries Development, regarding Modifications to Circular 3/2012 (Homologation of the user experience in electronic fund transfers via mobile devices).

A logo appears at the margin, stating: Bank of Mexico.- "2026, Year of Margarita Maza Parada".

CIRCULAR 10/2026
TO CREDIT INSTITUTIONS, REGULATED MULTIPLE-OBJECT FINANCIAL SOCIETIES THAT MAINTAIN EQUITY LINKS WITH CREDIT INSTITUTIONS AND THE NATIONAL FINANCIAL DEVELOPMENT INSTITUTION FOR AGRICULTURAL, RURAL, FORESTRY AND FISHERIES DEVELOPMENT:

SUBJECT: MODIFICATIONS TO CIRCULAR 3/2012 (HOMOLOGATION OF THE USER EXPERIENCE IN ELECTRONIC FUND TRANSFERS VIA MOBILE DEVICES)

The Bank of Mexico, with the purpose of promoting the sound development of the financial system, fostering the proper functioning of payment systems, as well as protecting the interests of the public, has resolved to update the regulatory framework applicable to the instruction of electronic fund transfers carried out by credit institutions that participate in any payment system for electronic fund transfers executed on the same day of operation, to foster a homologated user experience that allows the public to send transfers in an intuitive, easy, and fast manner through their mobile devices, in the software programs they use for electronic fund transfers between deposit accounts of money on demand from different institutions or within the same institution.

For the above reason, based on articles 28, paragraphs seventh and eighth, of the Political Constitution of the United Mexican States; 24, 26 and 31 of the Bank of Mexico Law; 48 of the Credit Institutions Law; 87-D, paragraph fourth, of the General Law of Organizations and Auxiliary Credit Activities; 22 of the Law for Transparency and Ordering of Financial Services; 1, 4, paragraph first, 8, paragraphs fourth and eighth, 10, paragraph first, 12 Bis, paragraph first, in relation to 20 Quater, fraction IV, and 14 Bis, in relation to 17, fraction I, of the Internal Regulations of the Bank of Mexico, which grant it the authority to issue provisions through the General Directorate of Payment Systems and Market Infrastructures and the General Legal Directorate, respectively, as well as Second, fractions X and XVII, of the Agreement on the Assignment of Administrative Units of the Bank of Mexico, it has resolved to modify articles 17 paragraphs second, 17 Ter, fractions III, first paragraph and IV, as well as add the definition of "Guides" to article 2, a third paragraph to article 17, shifting the current third and fourth paragraphs to become fourth and fifth, respectively, and fraction II Bis to article 17 Ter, of the "Provisions applicable to the operations of credit institutions, regulated multiple-object financial societies that maintain equity links with credit institutions and the National Financial Development Institution for Agricultural, Rural, Forestry and Fisheries Development", contained in Circular 3/2012, as they have been reformed, to remain in the following terms:

PROVISIONS APPLICABLE TO THE OPERATIONS OF CREDIT INSTITUTIONS, REGULATED MULTIPLE-OBJECT FINANCIAL SOCIETIES THAT MAINTAIN EQUITY LINKS WITH CREDIT INSTITUTIONS AND THE NATIONAL FINANCIAL DEVELOPMENT INSTITUTION FOR AGRICULTURAL, RURAL, FORESTRY AND FISHERIES DEVELOPMENT

"Definitions
Article 2.- For brevity, in singular or plural, in these Provisions the following shall be understood as:
...
Guides: the "Guides for the homologation of the user experience in electronic fund transfers via mobile devices" in force, published by the Bank of Mexico on its Internet website, which, based on the principles of usability, communication and standardization, have the purpose of establishing the necessary technical specifications for the interaction and homogeneous navigation flow in the various software programs used in the making of electronic fund transfers via mobile devices, between Deposit Accounts of different Institutions or within the same Institution. ..."

"Electronic Fund Transfers
Article 17.- ...
Without prejudice to the foregoing, Institutions may, in cases so determined, offer to holders of Level 2, 3 or 4 Accounts the execution of other types of electronic fund transfers that such holders instruct against the respective Accounts. To carry out the aforementioned transfers, Institutions may allow such account holders to transmit the respective instructions through the equipment, means, systems and telecommunications networks that such Institutions determine in terms of the applicable provisions.

In turn, only those Institutions that are participants in a payment system for electronic fund transfers executed on the same Banking Business Day of operation, between Deposit Accounts, in accordance with the applicable regulations for that system, may offer their clients the ability to transmit, through mobile devices, the respective instructions to carry out transfers through that system, regardless of the communication channel used by the device to transmit the aforementioned instructions. In such cases, Institutions must comply with the specifications in matters of user experience established in the Guides, for the instructions of the aforementioned electronic fund transfers presented through mobile devices. ..."

"Requirements for Electronic Fund Transfers
Article 17 Ter.- ...
I. to II. ...

Wednesday, June 17, 2026 OFFICIAL GAZETTE 181
II Bis. Comply with the specifications in matters of user experience established in the Guides, for the instructions of the aforementioned electronic fund transfers presented through mobile devices.
The Bank of Mexico will publish and maintain the Guides on its Internet site, indicating the date of publication, the version number, as well as the date from which the version in question will enter into force. In case of modifications to the Guides, the Bank of Mexico will communicate them to the Institutions with due advance notice, through the communication mechanisms provided for in these, and will maintain on its Internet site the history of versions, indicating their period of validity;
III. Without prejudice to what is provided in fractions I, II and II Bis above and subject to the terms and exceptions indicated below, the Institution that maintains open Accounts of levels 2, 3 or 4 must, at the request of the holder of the Account in question, associate with it the last ten digits of the number of a mobile telephone line that they indicate, for the purpose of receiving, by crediting said Account, electronic fund transfers executed in terms of article 17. In turn, Institutions that maintain open Level 1 Accounts may, if they so determine, offer their clients, for the aforementioned purpose, the association of said digits of mobile telephone lines that the respective holders indicate to said Accounts.
...
(i) to (viii) ...
IV. In terms of the first paragraph of article 17 of these Provisions, Institutions must carry out the acceptance of orders for electronic fund transfers and the crediting to the Accounts of the beneficiaries that such Institutions maintain open, with respect to those orders that, in addition to complying with the requirements established for such purposes by the respective interbank payment systems that direct them, identify the corresponding Account of the beneficiary solely with the assigned CLABE, the sixteen digits of the debit card with which, if applicable, they have identified said Account, or the ten digits of the mobile telephone line number that, if applicable, are associated with the aforementioned Account, attached to the three digits or any of the identification denominations of the receiving Institution referred to in fraction III, subsection (v), above, except in the case of those transfers that the respective payment systems allow to use only the ten referred digits and the client had not entered the three digits or any of the identification denominations of the receiving Institution.
V. to XIII. ..."

TRANSITORY PROVISIONS
FIRST.- This Circular will enter into force on the Banking Business Day following its publication in the Official Gazette of the Federation, without prejudice to what is established in the following transitory provision.
SECOND.- Institutions will have until December 14, 2026 to comply with what is provided in this Circular and the Guides.

182 OFFICIAL GAZETTE Wednesday, June 17, 2026
Mexico City, June 8, 2026.- BANK OF MEXICO: General Director of Payment Systems and Market Infrastructures, Othón Martino Moreno González.- Rubric.- General Legal Director, Erik Mauricio Sánchez Medina.- Rubric.
For any queries regarding the content of this Circular, the Bank of Mexico is at your disposal through the Central Bank Banking Authorizations and Sanctions Directorate at phone (55) 5237-2000 extension 3200.