{"id":16913,"date":"2024-05-31T07:31:15","date_gmt":"2024-05-31T10:31:15","guid":{"rendered":"https:\/\/victoriaaldia.com\/?p=16913"},"modified":"2024-05-31T07:31:15","modified_gmt":"2024-05-31T10:31:15","slug":"el-banco-central-tomo-una-medida-que-afecta-a-las-transferencias-cuando-rige","status":"publish","type":"post","link":"https:\/\/victoriaaldia.com\/?p=16913","title":{"rendered":"El Banco Central tom\u00f3 una medida que afecta a las transferencias: cu\u00e1ndo rige"},"content":{"rendered":"<h2>Nuevos requisitos<\/h2>\n<p>El Banco Central de la Rep\u00fablica Argentina tom\u00f3 una dr\u00e1stica medida y regul\u00f3 c\u00f3mo funcionar\u00e1n las transferencias inmediatas, tambi\u00e9n conocidas como transferencias &#8220;pull&#8221;.<\/p>\n<p>El Banco Central de la Rep\u00fablica Argentina (BCRA) a trav\u00e9s de la Comunicaci\u00f3n \u201cA\u201d 7996\/2024, ha establecido las nuevas regulaciones para las transferencias inmediatas \u201cpull\u201d. Esta regulaci\u00f3n, efectiva desde el 30 de abril pasado, surge tras el debate con Mercado Pago y tiene como objetivo establecer un marco claro para el funcionamiento de estas transferencias electr\u00f3nicas de fondos.<\/p>\n<figure class=\"embed\"><img decoding=\"async\" title=\"\" src=\"https:\/\/elonce-media.elonce.com\/fotos-nuevo\/2024\/05\/30\/o_1717104550_1.jpg\" alt=\"\" width=\"640\" \/><\/figure>\n<h5>Requisitos para las transferencias inmediatas \u201cPull\u201d<\/h5>\n<p>El Banco Central ha definido varios requisitos que deben cumplir las transferencias inmediatas \u201cpull\u201d para el ingreso de fondos en cuentas propias:<\/p>\n<p><b>Consentimiento del cliente:<\/b>\u00a0Se debe asegurar que las cuentas debitadas y acreditadas pertenezcan al mismo titular.<br \/>\n<b>Opciones de consentimiento:<\/b>\u00a0Los bancos y las billeteras virtuales pueden elegir la forma de obtener el consentimiento del cliente, utilizando el m\u00e9todo que mejor se adapte al perfil del cliente.<br \/>\n<b>Interoperabilidad:<\/b>\u00a0Todos los administradores de esquemas de transferencias inmediatas deben permitir cursar transferencias \u201cpull\u201d con ambas modalidades de consentimiento (DEBIN-PULL). Ning\u00fan proveedor de cuenta, ya sea banco o billetera interoperable, puede rechazar solicitudes de fondos.<br \/>\n<b>Arancel de transacci\u00f3n:<\/b>\u00a0Cada transacci\u00f3n tendr\u00e1 un arancel del 0,3% del importe, pagado por el banco o la billetera virtual que provea la cuenta acreditada al proveedor de la cuenta debitada, cuando el consentimiento se obtenga de forma t\u00e1cita.<br \/>\n<b>Gratuidad para los clientes:<\/b>\u00a0Las transacciones ser\u00e1n gratuitas para los clientes ordenantes.<br \/>\n<b>L\u00edmite de transacci\u00f3n:<\/b>\u00a0El l\u00edmite diario por cuenta ordenante ser\u00e1 el equivalente a 2.500 UVA, lo que actualmente equivale a $2.200.000 desde el 30 de abril de 2024.<\/p>\n<figure class=\"embed\"><img decoding=\"async\" title=\"\" src=\"https:\/\/elonce-media.elonce.com\/fotos-nuevo\/2024\/05\/30\/o_1717104550.jpg\" alt=\"\" width=\"640\" \/><\/figure>\n<h5>Qu\u00e9 son las transferencias inmediatas \u201cPull\u201d<\/h5>\n<p>Las transferencias \u201cpull\u201d son transferencias electr\u00f3nicas de fondos que se realizan de manera inmediata, utilizando los fondos que una persona tiene en otra cuenta de su propiedad. Este tipo de operaci\u00f3n se realiza vinculando las cuentas a trav\u00e9s de un proceso de validaci\u00f3n de datos, permitiendo gestionar toda la transacci\u00f3n desde una \u00fanica aplicaci\u00f3n, sin necesidad de realizar una transferencia tradicional.<\/p>\n<p>Antes de esta nueva regulaci\u00f3n, las personas deb\u00edan realizar una \u201ctransferencia push\u201d, ingresando a la cuenta de origen y colocando el n\u00famero de CVU de destino para transferir fondos. En las transferencias \u201cpull\u201d, el cliente que solicita el dinero es quien autoriza la transacci\u00f3n sin salir de la aplicaci\u00f3n en la que desea ingresar fondos, facilitando y agilizando el proceso.\u00a0<i>(Urgente24)<\/i><\/p>\n<p><a href=\"https:\/\/victoriaaldia.com\/el-banco-central-ya-definio-que-hara-con-la-tasa-de-interes\/estancia-mendoza-2\/\" rel=\"attachment wp-att-9289\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-9289\" src=\"http:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/estancia-mendoza.png\" alt=\"\" width=\"720\" height=\"90\" srcset=\"https:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/estancia-mendoza.png 720w, https:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/estancia-mendoza-300x38.png 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nuevos requisitos El Banco Central de la Rep\u00fablica Argentina tom\u00f3 una dr\u00e1stica medida y regul\u00f3 c\u00f3mo funcionar\u00e1n las transferencias inmediatas,&hellip;<\/p>\n","protected":false},"author":3,"featured_media":16914,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nogoya_volanta":"","nogoya_breaking":false,"nogoya_exclusive":false,"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-16913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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