There are multiple causes that may be needed deposit dollars in a bank: perform an operation of a registrable good as a property By transfer, wanting to invest them or simply change dollars “Chica face” by New tickets. And, although it is an operation that does not generate inconvenience, there are some cases in which it can lead to a problem with the entity and even with ARK.
To avoid problems, it is key to take into account several aspects prior to deposit dollarsor any other currency, in the Bank account. From iprofesional We tell you what you have to take into account.
Ark: How many dollars can I deposit in my account without having problems?
For deposit dollars without having inconveniences with the bank or ark It is key to keep in mind several aspects. On the one hand, the dollars that were legally acquired, that is, those who are “declared” either “registered“In the bank.
In this sense, a person who never bought dollars in the formal circuitthat is, the official dollar, as in the market MEPit is very difficult to justify a purchase, even if you have formal income in pesos That they are consistent with the sum.
This is because ARCA not only evaluates income As such, in this case in pesos, but also to the formality of the purchase in the case of dollars. That is, although a sum can make sense, not being registered as a formal acquisition (official dollar, tourist or MEP) the treasury concludes that it was bought in the informal market, which is punishable by the Criminal Criminal Law.
In this way, it is advisable is deposit dollars that have been acquired by any of the legal roads or that, having acquired them in form “illegal“They have bleached in the last laundering or some of the above.
It should also be remembered that on January 1, 2025, ARK You can request information from banks if the movements exceed certain amounts: consumption, income and expenses for $ 600,000, income or accreditations, deposits, extractions and final balances for $ 1,000,000 and transfers only for virtual wallets for $ 2,000,000.
It is important to mention that $ 600,000 apply to the total Consumption with country debit cardsas well as total income or expenses in virtual wallets. In the case of one million pesos, it is applied in the total bank accreditations registered in the month, as well as in the total Term deposits constituted in that period.
At the same time they were included cash extractions in the country or abroad, by window, ATM or any other means. Banking final balances are also included or virtual wallets The last business day of each month.
In the case of using $ 2,000,000, applicable only for bank or virtual transfers superior to said amount. While in this case these are dollars, banks usually conversion to pesos, according to the official exchange rateto include it within these parameters.
Sanctions established in the Criminal Criminal Law
The Criminal Criminal Law sanction the following behaviors:
- Perform change operations without the intervention of an authorized entity
- Operate in the change market without the corresponding authorization
- Declare false information in exchange operations
- Do not correct erroneous statements or make the necessary adjustments when the real operation differs from the informed
- Carry out exchange operations breaking the conditions established by current regulations, such as amounts, currency, price and deadlines
- Any act or omission that violates the change regime
- Sanctions escalation
- The sanctions vary according to the seriousness of the infraction and recidivism of the offender:
- Early infraction: fine of up to 10 times the amount of the operation in question
- First recidivism: prison from 1 to 4 years or fine 3 to 10 times the amount of the operation
- Second recidivism: imprisonment of 1 to 8 years and the payment of the maximum of the fine provided in the previous cases (10 times the amount of the operation)
It is important to note that in the second recidivism the norm uses the conjunction “and”, which implies the joint prison application and fine. On the other hand, in the first recidivism “or” is used, establishing the alternative between prison penalty or fine, but not both. However, despite the provisions of the legislation, there is no public history of the application of these sanctions.
How many dollars can be purchased per window at the bank after the end of the stocks
After the measures taken by the government of Javier Milei, communicated by Luis Caputo, after almost six years the stocks were eliminated to the dollar. For human people, There will be no more the limit of US $ 200 per monthnor all restrictions associated with subsidies, public employment or social benefits. In addition, Arca will eliminate tax perception on the purchase of foreign exchange in the MLC, except in the case of tourism expenses or cards abroad. However, there is a limitation for the purchase of dollars and has to do with the sale of banks in person through the windows.
From the Government they explained later that the measure ruled only for those who want to go to the bank with pesos in hand to take dollars: in that case there will be a limit and will be 100 dollars. That is, with the elimination of the stocks anyone can buy dollars, but those who do it Physically they can acquire only US $ 100 per month, Unlike what can be done through homebanking, where there are no limits for the purchase of foreign currency.
The statement that regulated it is the number 8226, through which the Central Bank informed banks and financial institutions what will happen since April 2025.
