He Tax Administration Service (SAT) of Mexico and debit cards are a topic that tends to raise questions among bank account holders. In this way, one of the most common doubts is whether or not there is a limit on the maximum amount of money that We can have a debit card to avoid tax problems with the agency.
Even though he SAT It has not set a specific amount, as such, what is certain is that it does supervise the deposits and transfers that are made to your debit cards, especially those that exceed 15 thousand pesos per month, to verify the origin of the resources.
Today in THE INFORMER We share everything you need to know to manage your finances without complications with your debit cards in 2025.
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How much money can I have on my debit card without being fined by SAT?
As we have mentioned previously, although the SAT has not established a maximum limit of money that you can have on your debit card for 2025, you should pay attention to deposits made at bank tellers or ATMs that exceed 15 thousand pesos per month. In these cases, The agency may ask you to prove the origin of the funds.
If you have the ability to prove that your money comes from previously declared income or legal activities, there will be no fines or penalties, or additional taxes. Nevertheless, If you cannot justify the origin of the money, you could face tax requirements and sanctions from the SAT.
Why is it important to declare your income to the SAT?
The key to avoiding problems with Tax Administration Service and your debit card is to keep a clear record of your income and make sure to timely declare your economic activities. This not only prevents possible fines, but it also allows you to maintain a clean tax history.
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How much money can I deposit on a debit card?
Even though he SAT does not establish a maximum limit of money on debit cards, Banking institutions do establish deposit limits depending on the level of the card. These limits are designed for different user profiles, from individuals with low income to companies with high transactions. The levels are:
- Level 1 cards: The monthly limit for level 1 cards is $5,700 pesos. These types of cards are designed for individuals with basic operations.
- Level 2 cards: The monthly limit of this second level cards is $22,800 pesos. These are aimed at individuals with greater economic activity.
- Level 3 cards: For its part, the monthly limit for level 3 cards is $7 thousand pesos. These are focused on individuals and companies with higher incomes.
- Level 4 cards: Finally, cards of this fourth level have no monthly deposit limit, although the bank can establish a limit based on the client’s financial profile.
In this way, if you exceed the limits of your debit card, the bank is obliged to inform the SAT about these transactions, which could lead to a review of your financial activities.
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What do I do if I exceed my card limit?
If you exceed the deposit limit established by your bankmake sure you have documentation that supports your income. The documents that may be requested from you are the following:
- Payroll receipts.
- Tax declarations.
- Invoices issued or received.
Finally, it is suggested to consult an accountant to ensure that your operations are aligned with current tax provisions.
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