Regulatory Alerts2026-04-21 | A 8424Circular SINAP 1-245: Characteristics of Payment Instruments Issued by Financial Entities. Update of the Consolidated Text
The Central Bank of the Argentine Republic (BCRA) issued Communication “A” 8424 to update the consolidated text governing payment instruments, specifically mandating revised back-side models for nominative fixed-term deposit certificates. This update aligns the certificate templates with modifications to the Deposit Guarantee Insurance System regulations introduced by Communication “A” 8407. The document provides replacement sheets for incorporation into the official consolidated text and establishes detailed validity periods from 2014 through April 2026, alongside a comprehensive correlation table mapping each instrument model to its originating regulation and relevant observations.
"2026 - YEAR OF ARGENTINE GREATNESS" COMMUNICATION “A” 8424 21/04/2026 TO FINANCIAL ENTITIES, TO ELECTRONIC CLEARING HOUSES: Ref.: Circular SINAP 1-245: Characteristics of Payment Instruments Issued by Financial Entities. Update of the Consolidated Text.
We address you to inform that, in accordance with the modifications introduced into the regulations on “Application of the Deposit Guarantee Insurance System” through point 1. of Communication “A” 8407, an update to the model of nominative fixed-term deposit certificates –back side– is required, as established in the regulations on “Characteristics of Payment Instruments Issued by Financial Entities”. We provide you with the sheets that, replacing those previously supplied, are to be incorporated into the consolidated text referenced herein. We remain, respectfully yours. CENTRAL BANK OF THE ARGENTINE REPUBLIC Jorge A. M. Golla Matías A. Gutiérrez Girault Payment Systems Manager Principal Payment Systems and Current Accounts Manager ANEXO
2.19. Official nominative payment order 2.20. Cheque to be homologated according to Communication “A” 4971 from 01.11.09 2.21. Deferred payment cheque to be homologated according to Communication “A” 4971 from 01.11.09 2.22. Sight bill of exchange to be homologated according to Communication “A” 4971 from 01.11.09 2.23. Fixed-day bill of exchange to be homologated according to Communication “A” 4971 from 01.11.09 2.24. Nominative fixed-term deposit certificate - front 2.24.1. Nominative fixed-term deposit certificate in pesos 2.24.2. Nominative fixed-term deposit certificate, non-transferable/transferible, of Adjusted Acquiring Units updated by “CER” - Law 25.827 (“UVA”) and Nominative fixed-term deposit certificate, non-transferable/transferible, of Housing Units updated by “ICC” - Law 27.271 (“UVI”) 2.25. Nominative fixed-term deposit certificate - back 2.25.1. Validity until 07.10.14 2.25.2. Validity between 08.10.14 and 31.10.14 2.25.3. Validity between 01.11.14 and 30.04.16 2.25.4. Validity between 01.05.16 and 28.02.19 2.25.5. Validity between 01.03.19 and 30.04.20 2.25.6. Validity between 01.05.20 and 31.12.22 2.25.7. Validity between 01.01.23 and 31.03.24 2.25.8. Validity between 01.04.24 and 31.03.26 2.25.9. Validity from 01.04.26 Correlation Table B.C.R.A. CONSOLIDATED TEXT OF THE REGULATIONS ON “CHARACTERISTICS OF PAYMENT INSTRUMENTS ISSUED BY FINANCIAL ENTITIES” Version: 9th COMMUNICATION “A” 8424 Validity: 22/04/2026 Page 2
2.25.8. Validity between 01.04.24 and 31.03.26 B.C.R.A. CHARACTERISTICS OF PAYMENT INSTRUMENTS ISSUED BY FINANCIAL ENTITIES Section 2. Models Version: 2nd COMMUNICATION “A” 8424 Validity: 22/04/2026 Page 34
2.25.9. Validity from 01.04.26 B.C.R.A. CHARACTERISTICS OF PAYMENT INSTRUMENTS ISSUED BY FINANCIAL ENTITIES Section 2. Models Version: 1st COMMUNICATION “A” 8424 Validity: 22/04/2026 Page 35
CHARACTERISTICS OF PAYMENT INSTRUMENTS ISSUED BY FINANCIAL ENTITIES CONSOLIDATED TEXT ORIGINATING REGULATION OBSERVATIONS Section Point Paragraph Com. Annex or Chapter Point Paragraph 2. 2.22. “A” 3728 single According to Com. “A” 4977. 2.23. “A” 3728 single According to Com. “A” 4977. 2.24.1. “A” 3728 single According to Com. “A” 5158 and 5192. 2.24.2. “B” 11593 2.25.1. “A” 3728 According to Com. “A” 5192 and “B” 10887. 2.25.2. “B” 10887 According to Com. “A” 5640, 5641 and 5943. 2.25.3. “B” 10887 According to Com. “A” 5640, 5641 and 5943. 2.25.4. “B” 11593 According to Com. “B” 11840. 2.25.5. “B” 11840 According to Com. “A” 6654. 2.25.6. “A” 6973 According to Com. “A” 7697. 2.25.7. “A” 7661 According to Com. “A” 7697 and 8044. 2.25.8. “A” 7985 According to Com. “A” 8044 and 8424. 2.25.9. “A” 8407 According to Com. “A” 8424.