New MTU Bank Transfer Limits Start Oct 2025

MEXICO — A new security scheme for individuals sending money via bank transfer applications or online banking will come into force on October 1, 2025. The measure, known as the User Transaction Amount (Monto Transaccional del Usuario or MTU), was designed by the National Banking and Securities Commission (CNBV) to protect clients in digital operations.

This adjustment will directly impact all individuals who perform transfers, SPEI payments, CoDi, or Dimo payments from their banking app.

What is the User Transaction Amount?

The MTU is a limit that each client can set within their banking application to establish the maximum amount for each digital transfer they make to third parties. For example, if you set an MTU of 12,500 pesos, any transfer below that amount will be processed without issue. If you wish to send more, you must first modify that limit in your banking app.

What Happens If I Do Not Configure My Limit?

If you do not set the limit, your bank will configure it automatically with a cap equivalent to 1,500 UDIs, which currently represents approximately 12,800 pesos per transfer. It is important to note that this limit is per transaction and not cumulative. Furthermore, it does not apply to over-the-counter operations or payments with a physical card; it applies only to digital transfers and payments.

When Will the MTU Become Mandatory?

Banks must enable this option in their mobile applications by October 1, 2025. Starting January 1, 2026, all clients must have their MTU configured; otherwise, their bank will define it automatically.

How to Configure the MTU in Your Banking App

Each bank will have its own procedure, but in general, it will be very straightforward. In the case of HSBC, for example, the steps will be:

1. Open the mobile application.
2. Enter the "Transfer and Pay" section.
3. Select "Edit transfer limit" in "Frequent Services."
4. Set the maximum amount per operation and modify it whenever you need.

The new scheme will give clients more control over their transfers and will help prevent fraud.