BCRA imposes fraud score on transfers

The BCRA has issued Communication A 8473 and set a mandatory fraud-risk assessment scheme for people who make electronic transfers. The rule applies to financial institutions, payment service providers that offer payment accounts, and administrators of immediate transfer schemes. It also says banks and PSPCPs cannot make decisions based solely on that score.

What does the new communication require?

Communication A 8473 requires a fraud-risk score to be assigned to each user and used in customer onboarding, registry reviews, and transaction monitoring. Mendoza Post reported that the logic will apply to both banks and digital wallets, while Urgente24 said the final decision cannot rely only on the score result.

According to abogados.com.ar, the system architecture is based on Communication A 8471. That legal and technical source added that the score must be built using public information provided by the BCRA, data from the Fraud Prevention Central, and transaction data that the parties agree to share.

IProfesional said the central bank will send information about users monthly to payment scheme administrators. The score result must be made available to financial institutions and PSPCPs every month at no cost, through a file and an API, according to abogados.com.ar.

What deadlines did the BCRA set?

The timeline varies depending on the type of actor and the technical component that must be adapted. Urgente24 reported that administrators of immediate transfer payment schemes have 120 calendar days from the publication of the communication to implement the infrastructure needed for the score.

For financial institutions and payment service providers, the deadline is 60 calendar days for customer onboarding and periodic registry review functions, and 90 days for transaction monitoring, counted from receipt of the technical documentation, according to Urgente24.

What other measure did the BCRA publish in parallel?

The same agency published Communication A 8483, which took effect on September 17, 2026, according to Ámbito. That rule expanded the types of instruments financial institutions can include within an existing quota and added other peso-denominated public securities, including dollar-linked and dual bonds, according to Infobae.

Ámbito also said A 8483 makes the regulations in point 9.3 on financing for the non-financial public sector applicable to national public securities issued in pesos. The same coverage said the BCRA split the reduction or amortization of the credit quota calculation tied to the public sector into two fixed stages, instead of applying it immediately after the bonds are collected.

La Nación said the communication expands the allowance so banks can apply the quota to national public securities in pesos subscribed for proprietary portfolios, and clarified that the BCRA considers the measure does not expand the current exposure limits to the public sector or authorize a larger stock of securities in portfolio.

Infobae also reported that the Argentine Senate would discuss reform of the Central Bank's Organic Charter, promoted by the ruling coalition and already approved by the Lower House.