Regulatory Alerts2026-09-08 | A 8477Added
Circular SINAP 1-255: National Payments System – Transfers – Supplementary Rules. Update.
This update incorporates replacement pages into the ordered text of the National Payments System – Transfers – Supplementary Rules, correcting formal errors in points 2.9 and 2.10 and aligning with Communication C 102183. It establishes specific daily transfer limits for immediate transfers (push and pull) and defines free initial tranches and maximum monthly collection amounts for small and medium commerce, all expressed in UVA units with approximate peso equivalents as of July 31, 2026. The updated text, effective September 9, 2026, is available on the BCRA website with modifications highlighted.
"2026 - YEAR OF ARGENTINE GREATNESS" COMMUNICATION “A” 8477 08/09/2026 TO FINANCIAL ENTITIES, TO ELECTRONIC FUND TRANSFER NETWORKS, TO ADMINISTRATORS OF ELECTRONIC FUND TRANSFER SCHEMES, TO PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS, TO PAYMENT SERVICE PROVIDERS PERFORMING THE INITIATION FUNCTION: Ref.: Circular SINAP 1-255: Rules on the National Payments System – Transfers – Supplementary Rules. Update.
We address ourselves to you in order to deliver the sheets that, in replacement of those previously provided, must be incorporated into the ordered text of the reference based on what is stipulated by Communication “C” 102183. Furthermore, we point out that this opportunity is used to introduce formal adjustments corresponding to points 2.9 and 2.10, which correct an error in the previous update. Finally, we remind you that on this Institution’s website www.bcra.gob.ar, by accessing “Financial System – LEGAL AND REGULATORY FRAMEWORK – Regulations and summaries – Ordered texts of general regulations”, you will find the modifications made with texts highlighted in special characters (strikethrough and bold). We salute you respectfully. CENTRAL BANK OF THE ARGENTINE REPUBLIC Irene T. Cano Jorge A. M. Golla Deputy General Manager of Payment Systems Development Manager of Payment Systems ANNEX
The administrators of immediate transfer schemes will determine fines for these failures in their contracts. 2.10. The payment requests defined in point 3.1. may be used for immediate transfers without commercial purposes. B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS – SUPPLEMENTARY RULES Section 2. Immediate transfers. Supplementary provisions Version: 3rd. COMMUNICATION “A” 8477 Validity: 09/09/2026 Page 3
Norm point UVA Concept Approximate equivalence in pesos ($) 6.3.2.3.i) Daily minimum limit for immediate push transfers 15.000 30.870.000 6.3.2.3.ii) Daily minimum limit for immediate pull transfers 2.500 5.145.000 6.1.1. 6.2.1. 6.3.2.1. Free initial tranche – retail electronic fund transfers 7.500 15.435.000 6.3.1.1. Free initial tranche – Payment with transfer 1.000 2.058.000 6.3.1.2. Medium commerce. Maximum monthly collection per calendar month and per category 500.000 1.029.000.000 6.3.1.2. Small commerce. Maximum monthly collection per calendar month and per category 100.000 205.800.000 UVA Value as of 31.07.26: $2.057,99 B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS – SUPPLEMENTARY RULES Section 6. Electronic fund transfers: operational variables, prices and exchange rates Version: 9th. COMMUNICATION “A” 8477 Validity: 09/09/2026 Page 4
ORDERED TEXT SOURCE RULE OBSERVATIONS Sec. Point Para. Com. Annex or Chapter Point Para. 1. 1.1. “A” 7153 II 1.2. “A” 7153 II S/Com. “A” 8399. 1.2.4. “A” 7153 II S/Com. “A” 7367. 1.3. “A” 7153 II S/Com. “A” 7769. 1.3.2. “A” 7153 II S/Com. “A” 7367. 1.4. “A” 7153 II S/Com. “A” 7514 and 8399. 1.5. “A” 7153 II S/Com. “A” 7514 and 8399. 1.5.1.5. “A” 7409 3. 1.5.4.4. “A” 7409 3. 1.5.4.5. “A” 7514 S/Com. “A” 8399. 1.5.5.2. “A” 7153 II S/Com. “A” 7367. 1.5.5.9. “A” 7367 4.1. 1.5.5.10. “A” 7367 5. 1.5.5.12. “A” 7514 S/Com. “A” 8399. 1.6. “A” 7153 II 2. 2. “A” 7153 II 2.5. “A” 7153 II S/Com. “A” 8399. 2.6. “A” 7153 II S/Com. “A” 7409 and 7463. 2.9. “A” 7153 II S/Com. “A” 7485 and 8477. 2.10. “A” 7514 S/Com. “A” 8399 and 8477. 3. 3.1. “A” 7153 II S/Com. “A” 8399. 3.2. “A” 7153 II S/Com. “A” 7688, 7514 and 8399. 3.3. “A” 7153 II 3.4. “A” 7153 II S/Com. “A” 7514, 7996, 8030 and 8399. 4. 4. “A” 7153 II 5. 5.1. “A” 7153 II S/Com. “A” 7485. 5.2. “A” 7153 II 5.2.1. “A” 7153 II S/Com. “A” 7409. 5.2.3. “A” 7153 II S/Com. “A” 7409 and 8162. 5.2.5. “A” 7514 S/Com. “A” 8399. 5.3. “A” 7153 II 6. 6.1. “A” 7153 II S/Com. “A” 7485 and 8399. 6.2. “A” 7153 II S/Com. “A” 7485 and 8399. 6.3. “A” 7153 II S/Com. “A” 7361, 7485 and 8399. 6.3.1.2. “A” 7153 II S/Com. “A” 7409, 7485 and 8399. 6.3.2.3. “A” 7153 II S/Com. “A” 7485, 7841 and 8399. 6.4. “C” 89549 S/Com. “A” 7485, 8091, “C” 90569, 91493, 92309, 93254, 94117, 94948, 95913, 96725, 97950, 98545, 99475, 100114, 100884, 101314, 101699 and 102183. B.C.R.A. ORIGIN OF THE PROVISIONS CONTAINED IN THE ORDERED TEXT ON THE NATIONAL PAYMENTS SYSTEM – TRANSFERS – SUPPLEMENTARY RULES
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