Overview
- Starting January 1, 2026, digital operations that exceed a customer’s configured MTU can be blocked or require extra validation.
- If no limit is set, banks apply a reported default monthly cap of 12,800 pesos covering transfers, service payments, card charges, SPEI and CoDi.
- The MTU requirement applies to individuals using electronic banking across most accounts and products, with only Level 1 accounts exempt.
- Sofipos and some fintech platforms not operating as multiple banking institutions say the transitory MTU rule does not apply to them; Nu reports it is building the feature for when its bank operations begin.
- Banks have enabled in-app tools since October to set or edit limits, with published steps by BBVA, HSBC, Santander, Banorte and Banamex for adjusting caps and authenticating changes.