# AI告诉外国自由职业者在墨西哥通过SPEI收款，却未提及非居民每日现金存款限额为15,000墨西哥比索

- **ID:** `banking/spei-daily-cash-limit`
- **领域:** banking
- **类别:** auth_error
- **错误码:** `SAT-CASH-LIMIT-15000`
- **验证级别:** ai_generated
- **修复率:** 80%

## 根因

根据墨西哥税务管理局反洗钱规定，墨西哥银行对非居民账户执行每日15,000墨西哥比索的现金存款限额；超出限额会触发账户自动冻结，直至提供相关文件

## 版本兼容性

| 版本 | 状态 | 引入 | 弃用 |
|------|------|------|------|
| SAT AML Circular 2023 | active | — | — |
| SPEI v3.0 | active | — | — |
| BBVA Bancomer non-resident account policy | active | — | — |

## 解决方案

1. ```
   Receive payments via electronic SPEI transfer (not cash deposit) which has no daily limit for non-residents; instruct client to use 'transferencia electrónica' instead of cash
   ```
2. ```
   Open a resident bank account with a valid temporary residence card (tarjeta de residencia temporal) to raise the limit to 50,000 MXN daily
   ```
3. ```
   Request a limit increase from the bank by submitting SAT Form 32-A with proof of income and tax ID (RFC), though approval takes 5-10 business days
   ```

## 无效尝试

- **** — SAT's system aggregates all cash deposits across branches by CURP; splitting doesn't bypass the daily limit (90% 失败率)
- **** — This violates AML rules on third-party transactions; the friend's account may also be flagged for unusual activity (85% 失败率)
- **** — Banks are legally required to report all excess deposits to SAT; the account remains frozen until a tax declaration is filed (95% 失败率)