30/09/2025
Starting in October 2025, the MTU (User Transaction Amount) will go into effect in Mexico
Designed by the National Banking and Securities Commission (CNBV), the MTU allows individuals to set a personalized limit on the maximum amount they can transfer per transaction through digital platforms such as SPEI, CoDi, Dimo, and mobile banking apps.
If users do not configure their MTU by the deadline, banks will automatically assign a default limit of 1,500 UDIs—approximately 12,800 pesos per transaction. This limit applies only to digital transfers and does not affect over-the-counter operations or card payments.
Exceeding your MTU limit will result in the transaction being blocked unless you manually adjust the limit within your banking app. Most banks will offer a simple process to modify the MTU, typically found under “Transfer and Pay” or “Frequent Services.” Users may be required to authenticate changes using two-factor verification.
The MTU becomes mandatory for all digital banking users starting January 1, 2026. Its primary goal is to enhance fraud prevention by limiting the amount that can be transferred in case of account compromise. Additionally, banks may use MTU settings to detect unusual activity and prompt extra security checks.
Failure to set your MTU will not incur fines, but it may restrict your ability to make larger transfers when needed. Therefore, users are encouraged to proactively configure their limits to match their financial habits and ensure smoother transactions.
This new regulation marks a significant shift toward user-controlled digital security, giving individuals more autonomy and protection in managing their electronic finances.
