What will happen to the purchases with dollar card made before leaving the stocks

Human people can buy dollars without restrictions or perceptions, although it does not apply to certain card purchases

04/14/2025 – 20: 03hs

The savers Retailers are able to buy from this Monday official dollar without restrictions or the need to pay 30% surcharge for the perceptions charged ARKafter the elimination of stocks. These can do so through the financial institutions enabled by the BCRA For the marketing of currencies.

However, in line with the official decision, ARK He informed that the perception for both Profit Tax and on personal goods remains in force for certain exchange operations.

Operations reached by the perception of profits

The operations that are reached by the 30% surcharge are the following:

• Purchases with credit card, debit or other equivalent means of payment abroad (this is the case of streaming services)
• Acquisition of services provided by non -residents
• Hiring of tourist or transport services destined out of the country (passages, hotels, etc.)

Likewise, taxes will apply to consumption made until Friday and for those who have been carried out from Monday. “The provisions enter into force as of today and will be applicable to the change operations carried out from the day of the date,” said the treasury.

Dollar card and tourism: how the price is calculated

In the case of purchases with card abroad or tourist consumptionthe applicable exchange rate will not only the officer. At that value, the tax perceptionas was the case so far. At this time the National Bank It has a price of $ 1,190 and with the 30% surcharge it would remain at 1,547 pesos.

In this case, the scheme that applies is as follows:

• Final price at pesos = price of the official dollar of the day + tax perception (30%)

In the case of paying with its own dollars, no surcharge is applied, as is happening so far. Yes pay in pesosthe tax perception 30%, either for consumption abroad or for local services that are They pay in dollars.

This is because the government seeks to encourage Card summary is paid with system dollarswhether deposited in the banks or in “the mattress”. Similarly, now those who wish to avoid surcharge may buy official dollars And then, prior to the expiration of the card, dispose that the payment is made with those currencies and not with pesos. The same thing that was happening so far.

However, the reasons that led the government to maintain surchargebut some speculate that there are many Payments in dollarsof services, for example, that are paid in pesos at the exchange rate, which generates a Little despicable collection for the Treasury.

For the freelancers workers They charge in dollars The services that provide abroad, for the moment there are no modifications. In this way, the same modality is maintained: they have a franchise for USD 36,000 per year, amount for which they are not obliged to liquidate. What exceeds that figure, must liquidate it in the Official Market.

“In this way, the collection of 30% taxes on the purchase of foreign exchange in charge of human persons will no longer apply, being able to access through the entities enabled by the Central Bank to the purchase of currencies without any restriction or retention by Arca, “said the treasury.

The new change market without stocks began operating today, based on the changes announced on Friday by the Government. Therefore, since Monday, LAs natural persons can buy dollars in the official market without stops or restrictions. The banks adjusted their systems on the weekend so that the dollar without stock begins to operate today.