Arca, the former AFIP, puts the magnifying glass on transfers and movements in virtual banks and wallets. Know from what amount the alerts are triggered in June 2025.
The National Agency for Customs Collection and Control (ARCA), former AFIP, reinforces its surveillance on bank transfers and digital operations in virtual wallets. From certain amounts, alerts are activated that can lead to information orders or tax inspections.
In tune with the advance of electronic payments and informality in some sectors, The tax agency semiannually updates the amounts that trigger automatic controlsadjusting them by inflation according to the consumer price index (CPI). In June 2025, these are the limits that activate ark’s magnifying glass.
Digital payments.jpg
What amounts ark controls transfers and movements?
According to the latest current resolution, automatic controls shoot when the following monthly amounts are exceeded:
$ 600,000:
$ 1,000,000:
-
Total of bank accreditations monthly.
-
Fixed Term Deposits constituted in the month.
-
Cash extractionseither by window, ATM or any medium, in the country or abroad.
-
Final balance in bank accounts and virtual wallets at the end of the month.
$ 2,000,000:
What happens if I exceed those amounts?
Overcoming these thresholds does not imply that a transfer is prohibited. But it does place the taxpayer under the Radar de Arcawhich can request documentation to justify the origin of the funds. This system is not new, but becomes more relevant in a context where the use of virtual wallets is triggered and the State seeks to reduce evasion.
What documentation can ark to justify the origin of the funds?
If an operation generates suspicions or simply exceeds the established limits, ARCA can request the vouchers that support the money movement. Among them:
-
Salary receipts or retirement assets.
-
Electronic billing In case of monotributistas or autonomous.
-
Affidavits of Profit or Personal Assets.
-
Sale contractsassignments or services agreements.
-
Bank extracts that reflect usual income.
-
Income certificates signed by public accountant.
What risks I run if I can’t justify the money?
In case of not being able to explain the origin of money in a clear and documented way:
-
The bank or wallet can Block the account or reject the operation.
-
You can raise a Suspicious Operation Report (ROS) to the Financial Information Unit (FIU).
-
Ark can initiate an inspection, an intimidation or even a tax criminal casedepending on the amount and seriousness of the situation.
Conclusion: How to avoid problems with ark?
To operate without shocks, it is key:
-
Maintain the declared economic activity and up to date.
-
Save supporting documentation of operations.
-
Avoid fractioning transfers to avoid controls (the treasury also detects that maneuver).
-
Consult a counter to extraordinary movements.
With the hardening of fiscal control and technology applied to account monitoring, It is increasingly difficult to move high amounts without a trace. That’s why, Having papers in order is the best way to avoid headaches with ark.
Source: Ambito
