With the transformation of the AFIP to the Customs Collection and Control Agency (ARCA), the Government ordered some changes in the surveillance of citizens. These operations may be subject to inspections if current regulations are not complied with.
In October 2024 the Government It ordered changes in the current provisions on collection and tax matters. Currently, users must take into account some regulations to avoid problems with the Customs Collection and Control Agency (ARCA).
Although these operations may seem simple, it is common to have errors that can lead to inspections or requirements by the agency. In these cases, the agency may choose to carry out an investigative process to trace the origins of the money.
What not to do when transferring money
In detail, the operations to transfer money They may seem easy, but citizens can make different errors or omissions that can cause problems with the national collection agency. In detail, users pay attention to the following points:
- Not meeting bank or fintech requirements: If a financial institution asks to justify the origin of the funds, it is crucial to present the necessary documentation on time. Otherwise, they could issue a Suspicious Operation Report (ROS) to the Financial Information Unit (UIF)
- Lack of justification of the origin of the funds: it is essential to have documents supporting all operationsincluding transfers between own accounts. If you do not have declared income, both ARCA and the banks can ask the owner of the sending account for explanations.
- Make transfers above the allowed values: Another common mistake is trying to make a transfer above the limits established by the banks or ARCA itself.
- Exceeding permitted limits without justification: If you exceed the current limit figure, doing so without a valid explanation may trigger an inspection by ARCA.
What is the ARCA research process like?
If irregularities are detected, the national agency may proceed to initiate a research process about the funds and the holder of the accounts from which the transfers were made. In that case, the body may:
- Demand from the client submit documentation (salary receipts, receipts for retirement benefits, invoices issued in the last six months) that support the legality of funds.
- If the person cannot justify said income or expenses, ARCA could take severe measuressuch as closing the user’s account and generating a Suspicious Operation Report (ROS).
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What documentation can ARCA request in 2025?
In the event that the agency initiates an investigation, the ARCA authorities may require specific documentation from the client. Among them is:
- Tickets buying and selling
- Documents that justify the sale of shares or a company
- Pay stubs or proof of retirement benefits
- Billing of the last few months
- Proof of monotax
- Certificate of funds issued by a public accountant.
Source: Ambito
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