Particle.news
Download on the App Store
12 ARTICLES
·
2mo ago

Banxico Orders Banks to Standardize Mobile Transfers and Creates Simplified Nivel 2 Bis Accounts

The central bank says the rules are meant to accelerate digital payments, expand access for small merchants, require banks to follow new UX guides, and set a mid-December deadline for app updates.

Banxico reforma las reglas del SPEI para obligar a los bancos a unificar el diseño de sus aplicaciones móviles, pero ¿cómo funcionará este nuevo sistema simplificado y qué cambia al hacer transferencias? | Magnific
Banxico busca que enviar dinero desde el celular sea más sencillo y que pequeños comercios reciban hasta 15 mil UDIs al mes en pagos digitales. | Foto: Especial GH.
Image
Image

Overview

  • The measures were published in the Diario Oficial on Wednesday and legally require institutions that offer fund transfers to deliver a simplified, homologated mobile transfer experience.
  • Banxico authorized a new simplified account called Nivel 2 Bis that can receive up to 15,000 UDIs per month, requires at least 12,000 UDIs of that total to come from digital payments, and limits cash deposits to 3,000 UDIs.
  • Banks may open Nivel 2 Bis accounts fully online without requiring an RFC; customers need only an official ID and proof of address to enroll.
  • The central bank will issue technical 'Guías' to standardize user experience and has given banks until mid-December to adapt their apps, with coverage noting the exact date reported as either December 14 or 15.
  • Authorities and the banking association say the rules could help shift transactions from cash to traceable digital flows and expand credit access for merchants, while banks warn of upfront tech and integration costs and uptake will depend on merchant adoption and public awareness.