# AI tells a foreign freelancer in Mexico to receive payments via SPEI without mentioning the daily cash deposit limit of 15,000 MXN for non-account holders

- **ID:** `banking/mexico-spei-daily-limit`
- **Domain:** banking
- **Category:** config_error
- **Error Code:** `SPEI-LIMIT-15000`
- **Verification:** ai_generated
- **Fix Rate:** 88%

## Root Cause

Banxico's anti-money laundering regulations (Circular 4/2019) impose a daily cash deposit limit of 15,000 MXN for non-account holders using SPEI, which freelancers often exceed when receiving lump-sum payments from clients.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| Banxico Circular 4/2019 | active | — | — |
| SPEI v3.0 (2022) | active | — | — |
| Mexican banking regulation for non-residents | active | — | — |

## Workarounds

1. **Open a Mexican bank account (e.g., with BBVA or Banamex) using your valid immigration document (FM3/FM2 or temporary residence card) to remove the non-account holder limit entirely.** (90% success)
   ```
   Open a Mexican bank account (e.g., with BBVA or Banamex) using your valid immigration document (FM3/FM2 or temporary residence card) to remove the non-account holder limit entirely.
   ```
2. **Request the client to spread the payment over multiple days, each under 15,000 MXN, using separate SPEI transactions on different dates.** (85% success)
   ```
   Request the client to spread the payment over multiple days, each under 15,000 MXN, using separate SPEI transactions on different dates.
   ```
3. **Use a digital wallet like Mercado Pago or Klar that supports SPEI reception with higher limits for verified users (up to 50,000 MXN daily).** (80% success)
   ```
   Use a digital wallet like Mercado Pago or Klar that supports SPEI reception with higher limits for verified users (up to 50,000 MXN daily).
   ```

## Dead Ends

- **** — Banxico's system aggregates all SPEI deposits from a single sender to a single recipient within a day; splitting does not bypass the cumulative limit. (85% fail)
- **** — This violates Banxico's KYC rules and can result in account freezing or fines for both parties. (95% fail)
- **** — International wires are subject to different limits but incur high fees (up to $50 USD) and longer settlement times (3-5 days), defeating the purpose of SPEI's instant transfers. (70% fail)