{
  "id": "banking/mexico-spei-limits-cash-deposit",
  "signature": "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-resident accounts at most banks",
  "signature_zh": "AI告诉在墨西哥的外国自由职业者通过SPEI收款，但未提及大多数银行非居民账户每日现金存款限额为15,000墨西哥比索",
  "regex": "SPEI.*excede.*límite|depósito.*efectivo.*15,000|cuenta.*no.*residente.*limit",
  "domain": "banking",
  "category": "config_error",
  "subcategory": null,
  "root_cause": "Mexican banks (BBVA, Banamex, Santander) impose a 15,000 MXN daily cash deposit limit on non-resident (cuenta de no residente) accounts under CNBV anti-money laundering rules; SPEI transfers from clients may be rejected if the cumulative daily inflow exceeds this limit, even if from legitimate sources.",
  "root_cause_type": "generic",
  "root_cause_zh": "根据CNBV反洗钱规定，墨西哥银行（BBVA、Banamex、Santander）对非居民账户（cuenta de no residente）实施每日15,000墨西哥比索现金存款限额；来自客户的SPEI转账如果累计日流入超过此限额，即使来源合法也可能被拒绝。",
  "versions": [
    {
      "version": "BBVA Mexico 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "Banamex SPEI v3.1",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "CNBV Circular 15/2023",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "Ask the client to split the payment into multiple SPEI transfers across different days",
      "why_fails": "The limit applies to cumulative daily inflow, not per-transfer. Multiple transfers on the same day still count toward the 15,000 MXN cap",
      "fail_rate": 0.6,
      "condition": "",
      "sources": []
    },
    {
      "action": "Upgrade to a 'premium' account tier",
      "why_fails": "Non-resident accounts cannot be upgraded; premium tiers require Mexican residency (residencia temporal or permanente) and a CURP",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    },
    {
      "action": "Receive payments via a different bank that doesn't have the limit",
      "why_fails": "All Mexican banks subject to CNBV rules enforce similar limits for non-resident accounts; the limit is regulatory, not bank-specific",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Obtain a Mexican tax ID (RFC) and register as a 'persona física con actividad empresarial' (self-employed). This reclassifies your account to resident status, removing the 15,000 MXN limit.",
      "success_rate": 0.85,
      "how": "Obtain a Mexican tax ID (RFC) and register as a 'persona física con actividad empresarial' (self-employed). This reclassifies your account to resident status, removing the 15,000 MXN limit.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use a digital bank like Klar or Albo that offers higher limits for non-residents (up to 50,000 MXN daily) by linking to a U.S. bank account via SWIFT.",
      "success_rate": 0.72,
      "how": "Use a digital bank like Klar or Albo that offers higher limits for non-residents (up to 50,000 MXN daily) by linking to a U.S. bank account via SWIFT.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Set up a 'cuenta de cheques' (checking account) at a bank that allows a temporary increase by depositing a guarantee (e.g., 50,000 MXN in a fixed deposit).",
      "success_rate": 0.68,
      "how": "Set up a 'cuenta de cheques' (checking account) at a bank that allows a temporary increase by depositing a guarantee (e.g., 50,000 MXN in a fixed deposit).",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Obtain a Mexican tax ID (RFC) and register as a 'persona física con actividad empresarial' (self-employed). This reclassifies your account to resident status, removing the 15,000 MXN limit.",
    "Use a digital bank like Klar or Albo that offers higher limits for non-residents (up to 50,000 MXN daily) by linking to a U.S. bank account via SWIFT.",
    "Set up a 'cuenta de cheques' (checking account) at a bank that allows a temporary increase by depositing a guarantee (e.g., 50,000 MXN in a fixed deposit)."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.cnbv.gob.mx/",
  "official_doc_section": null,
  "error_code": "SPEI-LIMIT-NR-15000",
  "verification_tier": "ai_generated",
  "confidence": 0.82,
  "fix_success_rate": 0.76,
  "resolvable": "partial",
  "first_seen": "2024-06-10",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}