What is the MTU?
The user transactional amount (MTU) is the maximum money limit that you can move from the app of your bank or online banking.
You decide that limit. For example, you can establish a daily maximum of 10,000 pesos, set stops for operations with new accounts or other banks, or define weekly or monthly amounts.
The MTU applies for transfers, services, cards, SPEI or CODI, and allows the bank to detect unusual or suspicious movements in your account.
In a nutshell, it is a security lock that you place yourself: any out of the normal operation will be reviewed before completing.
What changes and since when?
As of October 1, 2025, all banks must enable the option to configure the MTU in their apps.
Although HSBC Mexico has been the bank that has given the most information the provision applies to all banking institutions.
The change is backed by the unique circular of CNBV banks, Posted in June 2024 which forces each user to establish a limit for their digital transactions to third parties.
This limit will be independent of the amounts already assigned to frequent beneficiaries, so it adds as an additional security layer.
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How is the MTU activated and what happens if I do not set it?
The MTU is not mandatory for customers, but for banks: they must offer it in their applications. Each user will decide whether or not.
If you define it: you will have total control. You can set the maximum amount of your transfers (daily, weekly or monthly) and modify it as many times as you need. The change is applied immediately.
If you do not define it before September 30, 2025: your bank will assign you an automatic limit of 1,500 units (approx. 12,800 pesos to the current value, according to Banxico). Then you can change it at any time.
Example in HSBC
In HSBC Mexico, the option is now available in the app:
Enter “transfer and pay.”
Select “Edit limit by transfer” (in “Frequent Services”).
Adjust the amount you want.
The change is applied instantly and you can modify it as many times as you want.
Conclusions
The MTU will enter into force on October 1, 2025 in all banks.
Customers are not obliged to configure it, but if they do not, the bank will set an automatic limit.
The objective is to prevent fraud detecting unusual movements.
It is an additional security measure, different from the limits of your frequent beneficiaries.
The MTU gives you greater control over your digital money without complicating your operations.
It is advisable to consult with your bank how to apply this change in its app or platform, since the way of activating it can vary.
