The AFIP confirmed that
it will maintain the limit by which banks must report expenses
equal to or greater than $30,000 with a debit card and $90,000 with credit.
In this way, financial institutions must continue to provide data on the consumption of a large part of card users, despite the
outdated
amounts due to the rise in inflation.
"The last update was in January of last year,
we are not going to update it
," said AFIP sources after the controversy on social networks over the
alleged controls over $30,000.
From the agency they recognize that the threshold for financial institutions to report
is "low"
and is outdated, but
they denied that they are going to audit all these cases.
Through resolution 5138, the management of Mercedes Marcó del Pont updated in
January 2022
the limits from $10,000 to $30,000 for debit cards and from $30,000 to $90,000 for credit cards.
The authorities affirm that the amounts are updated
once a year
, while specialists affirm that there is no set period and that the changes are insufficient.
"They do not have an automatic update for inflation, if they do not adjust, they are outdated. Since January 2022, the cap of $30,000 has been in force and banks have to
report the same or higher consumption.
And even if they updated it for inflation, it would go to $60,000 , it's not that much either," said tax official Sebastián Domínguez.
With their tax code, taxpayers can access their card expenses through the
Nuestra Parte
application on the AFIP website.
For the authorities, the current surveillance threshold
allows them to raise "alerts"
for suspicious cases.
In order for there to be a control, however, you should cross data or inspect, which
"is not very common
," according to Domínguez.
A recent study by the chamber that groups credit cards (Atacyc) indicates, based on its own data and the Central Bank, that there are
18 million credit cards
, which reflects a drop of 3.7 million cards compared to of 2018. Of this total,
more than 75% of users exceed the amount of spending with plastics that the AFIP looks at
, according to data from the banking sector.
According to the BCRA, operations were registered in January for $940 million with a debit card and $976 million with a credit card, which represents a real drop of 2% year-on-year and 8.3%, in each case.
Given the nominal amount of credit card transactions and the number of users estimated by Atacyc,
the average transaction would be around $54,000.
The regulations indicate that entities must report the accumulated amount of monthly accreditations with plastics in pesos or foreign currency based on consumption in the country.
Both the holder's card and/or additional cards are considered,
excluding the amounts of cash withdrawals
and any other amount that does not imply consumption.
"That banks must report operations of more than $30,000 per month seems ridiculous, since it can reach anyone and debit cards of the holder and their additional ones are contemplated. In March, those who have to collect their retirements will receive close to $60,000, twice the amount in question," said Micaela Sánchez, an analyst at Expansión Argentina.
In this sense, the specialist pointed out, "if one takes into account that the last modification regarding the amount of the monthly operations to be reported was approved in 2022 and that the accumulated inflation is around 100%, it is clear that the $ 30,000 are currently totally out of date."
NE
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