The tax of 4×1,000one that for every 1,000 pesos in a financial movement (be it a transfer, payment or withdrawal), four are collected as a tax, It will be modified starting next December 13.
It is worth remembering that, currently, Users of the national financial system have the possibility of avoiding this charge to one of their bank accounts registered in the system. However, this is about to change.
(You can read: “The behavior of the economy has not helped much”: Dian).
Among the modifications to this measure, the one that stands out the most is that all the savings accounts that a user has are exempt from this charge, if and only if the movements made between all the accounts do not exceed the 350 tax value units (UVT)That is, around 16,473,000 pesos per month for this year.
In 2026, the 4×1,000 would disappear completely.
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This modification is regulated by the Article 65 of the latest tax reform (Law 2277 of 2022)which also specifies that the implementation of this adjustment will depend on the adequacy of the information systems of the financial entities that operate at the national level.
(Further: How do I know if I have a tax refund in 2024?).
With this change, the aim is to provide relief to the tax burden of users of the financial system, as it will allow people who have monthly transactions less than 350 UVTthey do not have to worry about paying a tax charge that will affect their income.
4×1,000
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It is worth mentioning that this limit will be established from December 13 until the remainder of the year, so we must wait to see how the value of the UVT will be established for next year to know what the value will be. new threshold.
(Besides: New tax collection balances maintain concerns in the economy).
In the case of savings accounts with low deposit amounts, such as Nequi either Daviplatathe rule will remain the same, that is, that the 4×1,000 will not be charged until the movements made in said accounts exceed 65 UVT, that is, 3,059,000 pesos.
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