With the implementation of the new exchange scheme, the National Government modified some restrictions that governed on the Foreign currency acquisition. However, card consumption abroad continue to be reached by 30%surcharge, which keeps the difference between paying the summary in pesos or paying directly in dollars.
From the changes announcedthe monthly limit of $ 200 for savings was eliminated, that was governed by the operations of human people, and the restrictions associated with the condition of the buyer in relation to subsidies, jobs in the public sector or state assistance were lifted. The purchase of foreign currency for treasury was thus released for the entire universe of natural persons. However, the fiscal treatment of foreign currency consumption was not modified and maintains the application of the 30%country tax.
In this context, there is a situation in which the method chosen to pay the Credit card summary Determine the final cost of consumption made in foreign currency. If a user uses their card to pay a consumption of $ 1,000 abroad and choose to pay it in pesos, you must face a 30%surcharge, so the total amount will increase to $ 1,300 at the official exchange rate. This surcharge corresponds to the advancement of profits, which remains in full validity.
In contrast, those who have dollars in a bank account Or they can pay the summary directly in physical ticket from their homebanking, they can cancel the original amount without surcharge. This difference generates significant savings, which is amplified depending on the exchange rate value. As an example, if a price of 1,200 pesos per dollar is taken as a reference, paying $ 1,000 with the surcharge would imply a disbursement equivalent to 1,560,000 pesos, while if it is paid directly in dollars, the cost is maintained at 1,200,000 pesos. In this case, savings reaches 360,000 pesos.
Credit card summaries will continue to detail the dollars in dollars plus 30% surcharge
Banking entities confirmed that credit card summaries will continue to detail the dollar consumption plus 30% surcharge In the event that the client chooses to pay in pesos. However, banks offer the alternative to pay directly in dollars from an account in foreign currency of the same holder. This procedure, which can be done through the online channel, allows surcharge to be avoided, since the payment is taken for the original amount without additional perceptions.
The coexistence of these two forms of payment generates a differential price that directly impacts the pocket of those who carry out operations outside the country or hire online services in dollars. From the operational point of view, credit cards allow foreign currency consumptions that are then weighty when issuing the summary. If the user does not have dollars in their account, the debit is done in pesos at the official exchange rate plus the corresponding 30%.
On the other hand, when paid in dollars, the original amount of consumption, without applying additional surcharges or perceptions. This difference remains in force despite the flexibility of recently announced exchange restrictions.
The changes after the elimination of the stocks to the dollar
It should be noted that, with the new regulations, there are no impediments linked to access to gear market For the purchase of foreign currency by human persons, regardless of their employment situation or the perception of subsidies. This opening allows anyone to acquire dollars for savings, although said purchase does not generate the same benefit as using dollars for the payment of card consumption.
Card consumption abroad include both operations carried out during trips and Purchases of goods and services hired to international suppliers, such as streaming platforms, digital subscriptions, applications, professional services and purchases at e-commerce sites from abroad. All these consumptions continue to be reached by the 30%tax, in case the payment in pesos is chosen.
Surcharge maintenance for payments in foreign currency It is part of the current fiscal policy, aimed at maintaining a tax burden on certain consumption in foreign currency. Although the new exchange scheme introduced modifications in other market areas, the treatment of credit card payments in dollars was not included in these changes.
Therefore, those who plan to carry out expenses outside the country or carry out online purchases in foreign currency They must consider the implications of the chosen payment method. Having dollars available in an account allows you to reduce the economic impact of tax surcharges and access a more favorable exchange rate.
In summary, the new exchange frame more flexible access to the purchase of dollars, but did not modify the fiscal burden on consumption abroad. The double price according to the payment method remains in force, and the use of own dollars continues to represent the most convenient alternative in financial terms for those who have that possibility.
