2026 - YEAR OF ARGENTINE GREATNESS

COMMUNICATION “A” 8506
04/11/2026

TO FINANCIAL INSTITUTIONS,
TO FOREIGN EXCHANGE OPERATORS:

Ref.: Circular
RUNOR 1-1983:

Current Accounts and Other Demand Accounts of Financial and Foreign Exchange Institutions at the BCRA. Update.

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We address you in order to send you in annex the pages that, in replacement of those previously provided, should be incorporated into the consolidated text on Current Accounts and Other Demand Accounts of Financial and Foreign Exchange Institutions at the Central Bank of the Argentine Republic based on the provisions disclosed through Communication A 8474.

It is recalled that on the page of this Institution www.bcra.gob.ar, by accessing “Financial System – LEGAL AND REGULATORY FRAMEWORK – Compilations and summaries – Consolidated texts of general regulations”, the modifications made will be found with texts highlighted in special characters (strikethrough and bold).

We greet you attentively.

CENTRAL BANK OF THE ARGENTINE REPUBLIC

Juan C. Navas
Manager of Current Accounts

Matías A. Gutiérrez Girault
Principal Manager of Payment Systems and
Current Accounts

ANNEX

B.C.R.A.
CURRENT ACCOUNTS AND OTHER DEMAND ACCOUNTS OF FINANCIAL AND FOREIGN EXCHANGE INSTITUTIONS AT THE CENTRAL BANK OF THE ARGENTINE REPUBLIC
Section 2. Opening

2.1. Application

2.1.1.Financial institutions

2.1.1.1. Current account in pesos: the Submanagement of Current Accounts will process its opening once the corresponding communication B has been issued informing the authorization to operate of the financial institution in question.

Once notified of the assigned account number, and for the purpose of registering before the Central Bank of the Argentine Republic (BCRA) the persons authorized to operate its current account at said Institution –as well as the remaining ones whose opening it later requests, in accordance with point 2.1.1.2.–, the financial institution must submit a letter on letterhead addressed to the Management of Current Accounts, signed by its highest authority, in accordance with the provisions of point 1.5.1. of the consolidated text on Authorized Signatures before the BCRA.

2.1.1.2. Remaining demand accounts: they must submit to the Management of Current Accounts a letter on letterhead signed by signatories registered in the Registry of Authorized Signatures provided for in Section 1. of the consolidated text on Authorized Signatures before the BCRA, in accordance with the signature use scheme in force in that registry.

2.1.2.Foreign exchange operators

For the purposes of requesting the opening of demand accounts and restricted accounts, in pesos or in foreign currency, they must comply with the following:

2.1.2.1. Application for first demand account: they must submit to the Management of Current Accounts a letter on letterhead signed by their highest responsible officer, intervened by a public notary in the terms of point 1.3.2. of the consolidated text on Authorized Signatures before the BCRA.

2.1.2.2. Remaining opening applications: they must observe the provisions of point 2.1.1.2.

Applications received within the framework of the second paragraph of point 1.2 are included in this point.

2.1.3.The applications provided for in points 2.1.1.2. and 2.1.2.2. must be submitted through IDEAR. When dealing with foreign exchange operators that do not have access to IDEAR, they must submit them from the email address informed before the Registry of Foreign Exchange Operators to the email address of the Management of Current Accounts: ctas.ctes@bcra.gob.ar. In both cases, applications must be made by letter on letterhead in PDF format, signed with the digital signature established in Law 25.506.

Applications made by agencies that use the Electronic Document Management (GDE) system and whose signatories are enabled in the Registry of Authorized Signatures provided for in Section 1. of the consolidated text on Authorized Signatures before the BCRA may be submitted through said system using the signature generated therein.

B.C.R.A.
CURRENT ACCOUNTS AND OTHER DEMAND ACCOUNTS OF FINANCIAL AND FOREIGN EXCHANGE INSTITUTIONS AT THE CENTRAL BANK OF THE ARGENTINE REPUBLIC
Section 2. Opening

Only exceptionally, in the event of unavailability of computer or communication systems, submissions of applications on paper, with handwritten signature, may be admitted.

2.2. Account numbers and access codes

On each occasion that financial and/or foreign exchange institutions sign any type of documentation referring to their current accounts and/or their other demand accounts at the BCRA, they must state the number, denomination and –in the event that the operation is processed through electronic systems– the respective identification code.

The erroneous statement of the number of their current account and/or their other demand accounts will make the financial and/or foreign exchange institution in question liable for any damages arising from the incorrect allocation of funds.

The BCRA will permanently update and disclose the number of current accounts and other demand accounts opened by financial and foreign exchange institutions.

Section 4. Reconciliation of balances

4.1. Statements of current accounts and other demand accounts

At the start of each day's operations, the institutions will receive from the BCRA the statements of their accounts corresponding to the operations recorded on the previous day. They will immediately proceed to reconcile them with their accounting.

4.2. Deadlines for challenging movements and conformity of the balance

For the recognition of the balance, the rules of the bank current account contract regulated in the Civil and Commercial Code of the Nation apply, extending the period to observe it –provided for in subsection b) of article 1403 of said Code– to 30 consecutive days, non-extendable. The preceding term shall be counted from the fifteenth day following the accounting registration in the current account or in another demand account.

4.3. Claims

Observations regarding any current account statement or other demand accounts shall be submitted by means of a letterhead note addressed to the Current Accounts Management of the BCRA, which must be presented within the periods indicated in the preceding point and must invariably be accompanied by a copy of the supporting documentation for the claim (vouchers, notes, etc.).

The submission must comply with the following:

4.3.1. When filed by a financial institution, or by a foreign exchange operator with access to IDEAR: it shall be submitted through IDEAR and must be made by letterhead note in PDF format, signed with the digital signature established in Law 25.506.

4.3.2. When filed by a foreign exchange operator without access to IDEAR: it shall be submitted from its email address reported to the Registry of Foreign Exchange Operators to the email address of the Current Accounts Management: ctas.ctes@bcra.gob.ar, and must be made by letterhead note in PDF format, signed with the digital signature established in Law 25.506.

4.3.3. When filed by an agency that uses the Electronic Document Management (GDE) system and whose signatories are enabled in the signature registry: they may be submitted through said system using the signature generated therein.

Only exceptionally, in the event of unavailability of computer or communication systems, submissions of requests on paper, with handwritten signature, may be accepted.

B.C.R.A.

CENTRAL BANK OF THE ARGENTINE REPUBLIC

ORIGIN OF THE PROVISIONS CONTAINED IN THE CONSOLIDATED TEXT ON CURRENT ACCOUNTS AND OTHER DEMAND ACCOUNTS OF FINANCIAL AND FOREIGN EXCHANGE INSTITUTIONS AT THE CENTRAL BANK OF THE ARGENTINE REPUBLIC

CONSOLIDATED TEXT			SOURCE RULE			OBSERVATIONS
Section	Point	Para.	Communication	Annex	Point	Para.
1.	1.1.		"A" 90	Ch. I	1.1.		According to Com. "A" 3274, 4241 and 6052.
	1.2.		"A" 90	Ch. I	1.2.		According to Com. "A" 3024, 3274 and 6052.
	1.3.		"A" 90	Ch. I	3.3.1., 2nd. part		According to Com. "A" 3274.
	1.4.		"A" 3274				According to Com. "A" 3304, 4147, 4241 and 6052.
2.	2.1.		"A" 90	Ch. I	2.1.		According to Com. "A" 3024, 3274, 6052, 8474 and 8506. Includes regulatory clarification and interpretation.
	2.2.		"A" 90	Ch. I	2.2.		According to Com. "A" 2534 and 6052.
3.	3.1.		"A" 90	Ch. I	3.1.
	3.1.1.		"A" 90	Ch. I	3.1.
	3.1.1.1.		“A” 90	Cap. I	3.1.1.		According to Com. “A” 3274 and 6052.
	3.1.1.2.		“A” 90	Cap. I	3.1.2.		According to Com. “A” 6052.
	3.1.1.3.		“A” 90	Cap. I	3.1.3.		According to Com. “A” 3274.
	3.1.1.4.		“A” 90	Cap. I	3.1.4.		According to Com. “A” 6052.
	3.1.1.5.		“A” 90	Cap. I	3.1.5.		According to Com. “A” 6052.
	3.1.1.6.		“A” 2558			2°	According to Com. “A” 6052.
	3.1.1.7.		“A” 90	Cap. I	3.2.		According to Com. “A” 6052.
	3.1.1.8.		“A” 2867	Sole	4.3.		According to Com. “A” 3024.
	3.1.1.9.		“A” 90	Cap. I	3.1.7.		According to Com. “A” 3024, 3206, 6052 and 8131.
	3.1.10.		“A” 3274				According to Com. “A” 6052.
	3.1.2.		“A” 6052
	3.2.		“A” 90	Cap. I	3.3.
	3.2.1.		“A” 90	Cap. I	3.3.		According to Com. “A” 6052.
	3.2.1.1.		“A” 90	Cap. I	3.3.1., 1st part
	3.2.1.2.		"A" 90	Cap. I	3.3.2.		According to Com. "A" 6052.
	3.2.1.3.		"A" 90	Cap. I	3.4.		According to Com. "A" 647, 2558, 2631, 2692, 3024 and 6052.
	3.2.1.4.		"A" 90	Cap. I	3.3.3.		According to Com. "A" 3024, 3026, 3274, 4063, 4241, 6052 and 8131.
	3.2.1.5.		"A" 3274				According to Com. "A" 6052.
	3.2.2.		"A" 6052
	3.3.		"A" 90	Cap. I	4.
	3.3.1.		"A" 90	Cap. I	4.1.		According to Com. "A" 1110, 3274 and 6052.
	3.3.2.		"A" 90	Cap. I	4.2.	1°	According to Com. "A" 1110, 2610, 3024, 3274 and 6052.
	3.3.3.		"A" 90	Cap. I	4.2.	2°	According to Com. "A" 1110, 2610 and 6052.
	3.3.4.		"A" 3024

CURRENT ACCOUNTS AND OTHER DEMAND ACCOUNTS OF FINANCIAL AND EXCHANGE ENTITIES AT THE CENTRAL BANK OF THE ARGENTINE REPUBLIC

CONSOLIDATED TEXT ORIGINATING RULE OBSERVATIONS Section Point Para. Communication Annex Point Para.
4.
4.1. "A" 90 Cap. I. 5.1. According to Com. "A" 647 and 3024.
4.2. "A" 90 Cap. I 5.2. According to Com. "A" 647 and 6052.
4.3. "A" 90 Cap. I 5.3. According to Com. "A" 647, 3024,
3274, 6052, 8474 and 8506.
Includes clarification and regulatory interpretation.