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DEPSITOS DE AHORRO, CUENTA SUELDO,


CUENTA GRATUITA UNIVERSAL Y ESPECIALES
Seccin 2. Cuenta sueldo/de la seguridad social.

El sistema de cajeros automticos de la entidad financiera depositaria deber proveer -sin


cargo- un taln en el que figuren el saldo y los ltimos diez movimientos operados, y copia de
los certificados de liquidacin de las prestaciones de la seguridad social acreditadas en la
cuenta en los ltimos dos meses, en los casos en que la ANSES u otro ente administrador de
los pagos lo requieran.
Adicionalmente, todos los cajeros automticos habilitados en el pas por cualquier entidad financiera debern informar -a travs de sus respectivas pantallas- la fecha correspondiente al
prximo pago de la prestacin de la seguridad social, cuando la ANSES u otro ente administrador de los pagos proporcionen esa informacin.
Cuando se reciban acreditaciones que respondan al concepto asignaciones familiares, deber consignarse en los resmenes de cuenta (o en los comprobantes de movimientos que
se emitan a travs de cajeros automticos) de los respectivos beneficiarios, la leyenda ANSES SUAF/UVHI, cuando ste sea el agente pagador.
En el caso de las acreditaciones de las prestaciones de la seguridad social que integran el
SIPA, cuyos pagos administre la ANSES, del concepto Programa Nacional de Becas Bicentenario para Carreras Cientficas y Tcnicas -Decreto N 99/09- y del Programa Hogares
con Garrafas (HOGAR) -Decreto N 470/15- deber consignarse, en los resmenes de cuenta (o en los comprobantes de movimientos que se emitan a travs de cajeros automticos) de
los respectivos beneficiarios, las leyendas ANSES SIPA, BECA BICENT y ANSES
HOGAR, respectivamente.
2.6. Comisiones.
Conforme a las leyes mencionadas en el punto 2.1., las entidades no podrn cobrar cargos ni
comisiones por la apertura de las cuentas, su mantenimiento, movimientos de fondos y consulta de saldos -aun los que se verifiquen por el uso de cajeros automticos de distintas
entidades y/o redes del pas-, siempre que la utilizacin de las cuentas se ajuste a las condiciones establecidas en el punto 2.3. y hasta el monto de las acreditaciones derivadas de la relacin laboral, de la prestacin de la seguridad social y dems conceptos previstos en el punto 2.3.1., acumulando los importes no retirados sin lmite de tiempo.
En caso de que, por haberse convenido, se efecten acreditaciones distintas de las mencionadas en el punto 2.3.1. que coexistan con saldos provenientes de la relacin laboral o de la
prestacin de la seguridad social, corresponder que las extracciones que se realicen afecten
en primer trmino los importes de esa relacin.
El dbito y la transferencia de los haberes a las cuentas que indiquen los trabajadores, beneficiarios, apoderados y/o representantes legales segn lo previsto en el ltimo prrafo del
punto 2.2. no deber implicar cargo alguno para ellos. Respecto de las restantes transferencias se observarn las normas generales que resulten aplicables.
2.7. Retribucin.
Las entidades podrn convenir libremente con las partes el pago de intereses sobre los saldos que registren las cuentas, pudiendo pactarse su liquidacin cuando los saldos superen
determinado importe.
Versin: 5a.

COMUNICACIN A 5804

Vigencia:
27/10/2015

Pgina 4

B.C.R.A.

DEPSITOS DE AHORRO, CUENTA SUELDO,


CUENTA GRATUITA UNIVERSAL Y ESPECIALES
Seccin 2. Cuenta sueldo/de la seguridad social.

2.8. Cierre de cuentas.


2.8.1. Cuenta sueldo.
El cierre de las cuentas deber ser comunicado por el empleador con motivo del cese
de la relacin laboral con el trabajador.
Se har efectivo luego de transcurridos 60 das corridos, contados desde la fecha de la
ltima acreditacin de fondos o de la comunicacin -la que sea posterior-, siendo aplicable en ese lapso lo establecido en el punto 2.6.
Sin perjuicio de ello, cuando la entidad financiera depositaria reciba del correspondiente ente administrador de pago de las prestaciones de la seguridad social acreditaciones por este ltimo concepto con destino a estas cuentas, su cierre operar de acuerdo con el procedimiento que establezca el mencionado ente o, en su defecto, cuando
no se hayan registrado esas acreditaciones durante el plazo de 365 das corridos.
2.8.2. Cuenta de la seguridad social.
Cuando se trate del pago de haberes o prestaciones de la seguridad social que integran el Sistema Integrado Previsional Argentino (SIPA) y/o de jurisdicciones provinciales y/o de la Ciudad Autnoma de Buenos Aires y de pensiones no contributivas, el
cierre de cuentas operar de acuerdo con el procedimiento que el respectivo ente administrador de los pagos convenga con las entidades financieras depositarias.
En todos los casos, los fondos remanentes que existieran luego de realizado el cierre sern
transferidos a saldos inmovilizados, de acuerdo con el procedimiento establecido con carcter
general para el tratamiento de dichos saldos.
2.9. Entrega de las normas al titular, beneficiario, apoderado o representante legal.
Se entregar al titular, a travs de sus empleadores, el texto con las condiciones que regulan
el funcionamiento de estas cuentas, debiendo la entidad conservar la constancia de su recepcin por parte del interesado que podr formalizarse en un listado preparado a tal fin.
En el caso de que se trate de cuentas de la seguridad social, se entregarn al beneficiario o,
en caso de corresponder, a su apoderado o representante legal las condiciones de su funcionamiento y conservar la constancia de esa entrega, la que podr formalizarse mediante un
listado preparado a tal fin.
2.10. Certificados de supervivencia y poderes/facultades para el cobro de prestaciones de la seguridad social.
El control de supervivencia de los beneficiarios se efectuar de acuerdo con el procedimiento
y plazos que el ente administrador de los pagos que corresponda establezca a ese efecto.
En los casos en que acte algn apoderado o representante legal ser requisito que cuente
con poder o facultades suficientes, de acuerdo con las condiciones y los alcances que establezca la reglamentacin del ente administrador de los pagos para cada situacin en particular.
Versin: 5a.

COMUNICACIN A 5804

Vigencia:
27/10/2015

Pgina 5

B.C.R.A.

DEPSITOS DE AHORRO, CUENTA SUELDO,


CUENTA GRATUITA UNIVERSAL Y ESPECIALES
Seccin 2. Cuenta sueldo/de la seguridad social.

2.11. Guarda de documentacin.


La documentacin vinculada a las acreditaciones de sueldos en estas cuentas deber conservarse de forma que facilite el cumplimiento del control y supervisin conforme a las normas
legales aplicables.
En cuanto a la documentacin de apertura y depsitos de las prestaciones de la seguridad
social, se deber conservar copia del documento de identidad del beneficiario y, en caso de
corresponder, de su apoderado o representante legal, la informacin que provea el ente administrador de los pagos para la apertura y acreditacin de los haberes de la seguridad social,
constancia de la entrega de las normas y de las tarjetas de dbito, etc. de forma que facilite el
cumplimiento del control y supervisin.
2.12. Servicios adicionales.
La incorporacin a estas cuentas de servicios financieros adicionales, no derivados de su naturaleza laboral o de la seguridad social ni otros ya previstos en el punto 2.3.1. de la presente
Seccin, deber ser requerida fehacientemente por el trabajador o beneficiario a la entidad financiera interviniente, quedando dichos servicios claramente establecidos como anexo al texto a que se refiere el punto 2.9.
Dicha incorporacin y su mantenimiento no podrn ser exigidos como condicin para poder
hacer uso de este tipo de cuenta.
En caso de que se prevea la percepcin de comisiones o cargos por estos servicios adicionales, stas podrn efectuarse slo en funcin de la efectiva utilizacin del servicio por parte del
titular y debern constar en el citado anexo.
2.13. Otras disposiciones.
En cuanto no se encuentre previsto y en la medida en que no se opongan a las presentes
normas, sern de aplicacin las disposiciones establecidas para los depsitos en caja de ahorros.
En lo referente a los aspectos operativos sobre los pagos previsionales del SIPA, ser de aplicacin lo previsto por las normas sobre Pago de beneficios de la seguridad social por cuenta
de la Administracin Nacional de la Seguridad Social (ANSES).

Versin: 3a.

COMUNICACIN A 5804

Vigencia:
27/10/2015

Pgina 6

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DEPSITOS DE AHORRO, CUENTA SUELDO,


CUENTA GRATUITA UNIVERSAL Y ESPECIALES
Seccin 5. Especiales.

B.C.R.A.

Adicionalmente, todos los cajeros automticos habilitados en el pas por cualquier entidad financiera debern informar, a travs de sus respectivas pantallas, la fecha correspondiente al prximo pago de la asignacin universal por hijo para proteccin social, de
acuerdo con la informacin que proporcione la ANSES.
- Extracciones de efectivo por ventanilla, de acuerdo con las condiciones previstas en el
punto 6.13.
- Compras y/o retiros de efectivo en comercios adheridos, efectuados con la tarjeta de
dbito.
Los movimientos -cualquiera sea su naturaleza- no podrn generar saldo deudor.
5.7.5. Tarjeta de dbito.
Deber proveerse -sin cargo- al titular de la cuenta y a su apoderado -de corresponderde una tarjeta magntica que les permitir operar con los cajeros automticos y realizar
las dems operaciones previstas en el punto 5.7.4., no siendo pertinente su entrega al titular cuando se haya designado un representante legal, en cuyo caso la entrega proceder a este ltimo.
Los reemplazos originados por las causales desmagnetizacin y/o el cumplimiento de
los requisitos mnimos de seguridad establecidos en las normas sobre Requisitos mnimos de gestin, implementacin y control de los riesgos relacionados con tecnologa informtica, sistemas de informacin y recursos asociados para las entidades financieras
no debern tener costo para el cliente.
5.7.6. Resumen de cuenta.
No resulta obligatoria la emisin peridica de resmenes con el detalle de los movimientos registrados en las cuentas.
En su reemplazo el sistema de cajeros automticos del banco depositario deber prever
la provisin de un taln en el que figuren el saldo y los ltimos diez movimientos operados.
Ello, sin perjuicio de que el beneficiario podr solicitar personalmente el resumen de
cuenta en la correspondiente sucursal.
Las acreditaciones correspondientes a los conceptos asignacin universal por hijo para
proteccin social, Programa Nacional de Becas Bicentenario para Carreras Cientficas
y Tcnicas -Decreto N 99/09- y Programa Hogares con Garrafas (HOGAR) -Decreto
N 470/15- debern consignarse, en los resmenes de cuenta (o en los comprobantes
de movimientos que se emitan a travs de cajeros automticos) de los respectivos beneficiarios, con las leyendas ANSES SUAF/UVHI, BECA BICENT y ANSES HOGAR,
respectivamente.
5.7.7. Cierre de cuenta.
El cierre de cuentas operar de acuerdo con el procedimiento que la ANSES o el respectivo ente administrador de los pagos determine. Sin perjuicio de ello, las entidades financieras depositarias podrn proceder al cierre de estas cuentas en caso de no haber
registrado acreditaciones de los beneficios previstos en el punto 5.7.3. por un plazo de
365 das corridos.
Versin: 9a.

COMUNICACIN A 5804

Vigencia:
27/10/2015

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DEPSITOS DE AHORRO, CUENTA SUELDO,


CUENTA GRATUITA UNIVERSAL Y ESPECIALES
Seccin 6. Disposiciones generales.

B.C.R.A.

Los depsitos en pesos y en moneda extranjera cuentan con la garanta de


hasta $ 350.000. En las operaciones a nombre de dos o ms personas, la garanta se prorratear entre sus titulares. En ningn caso, el total de la garanta
por persona y por depsito podr exceder de $ 350.000, cualquiera sea el
nmero de cuentas y/o depsitos. Ley 24.485, Decreto 540/95 y Com. A
2337 y sus modificatorias y complementarias. Se encuentran excluidos los
captados a tasas superiores a la de referencia, los que hayan contado con incentivos o retribuciones especiales diferentes de la tasa de inters, los adquiridos por endoso y los efectuados por personas vinculadas a la entidad financiera.
En caso de que se presente alguna de las situaciones citadas en ltimo lugar o se trate
de depsito de ttulos valores, corresponder colocar en forma visible en el frente de
los documentos la siguiente leyenda:
Depsito sin garanta
Esta ltima exigencia no regir cuando las operaciones se efecten a travs de cajeros
automticos pertenecientes a redes que posibiliten la interconexin operativa de las entidades financieras.
6.4.2. Informacin al cliente.
Las entidades debern mantener a disposicin de su clientela los textos completos y
actualizados de la Ley 24.485, del Decreto N 540/95 (texto actualizado) y de las normas sobre Sistema de seguro de garanta de los depsitos.
6.4.3. Publicidad.
6.4.3.1. En recintos de las entidades financieras.
En las pizarras en las que se informen las tasas ofrecidas a la clientela deber
transcribirse en forma visible los alcances de la garanta (tipo de operacin, su
condicin de comprendida o no en el rgimen, porcentaje y monto garantizados, excepciones, etc.).
6.4.3.2. En otros medios.
En la publicidad que realicen las entidades financieras, relacionada con los depsitos que capten, deber consignarse la existencia de una garanta limitada
para su devolucin o su inexistencia, segn el caso.
6.5. Tasas de inters.
6.5.1. Formas de concertacin.
Las tasas de inters se concertarn libremente entre las entidades financieras y los
clientes, de acuerdo con las normas que rijan para cada tipo de operacin.

Versin: 3a.

COMUNICACIN A 5891

Vigencia:
17/12/2015

Pgina 3

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DEPSITOS DE AHORRO, CUENTA SUELDO, CUENTA GRATUITA UNIVERSAL Y ESPECIALES


TEXTO ORDENADO
NORMA DE ORIGEN
OBSERVACIONES
Sec.
Punto
Prr.
Com.
Anexo Cap. Sec. Punto Prr.
1.
4
A 3042
1.9.3.
A 2468
1.
1 S/Com. A 5461 y 5482.
1.9.4.
1
A 2468
1.
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A 2468
2
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1.10.
1
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3.
2
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3
1.11.
1
A 3042
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(pto. 16.) y 5022.
2
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A 3042
5000 y 5022.
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2.
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3.
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1.11.
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A 3042
1.12.2.
A 3042
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1 2
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2.1.3.4.
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5.2.2.
3 S/Com. A 4809 y 5482.
1.13.
A 1199
I
6.3.
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A 1820 I
2.6.
1.14.
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1.15.
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2.1.3.5.
2.
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A 2590
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4.4.1.
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1
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I
4.4.2.
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2.2.1.
A 2956
2
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2.2.2.
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2.2.
ltimo A 5091
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A 2590
I
4.4.3.
2.3.
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A 2596
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A 2590
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2.3.2.
A 2590
5284.
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2.3.2.1.
A 2590
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2.3.2.2.
A 2590
5284 y 5482.
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2.3.2.3.
A 2590
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2.3.2.4.
A 2590
2.3.2.5.
A 5231
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2.4.
A 2590
I
4.4.4.
5284 y 5461.
S/Com. A 5091, 5161,
2.5.
A 2590
I
4.4.5.
5231, 5416, 5459 y 5804.
S/Com. A 4809, 5091,
2.6.
A 2590
I
4.4.6.
5231 y 5284.
2.7.
A 2590
I
4.4.7.
S/Com. A 5091.
S/Com. A 5091, 5231 y
2.8.
A 2590
I
4.4.8.
5804.
A 2956
I
4.4.9.
S/Com. A 5091, 5231 y
2.9.
5284.
A 2590

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DEPSITOS DE AHORRO, CUENTA SUELDO, CUENTA GRATUITA UNIVERSAL Y ESPECIALES


TEXTO ORDENADO
NORMA DE ORIGEN
OBSERVACIONES
Sec.
Punto Prr.
Com.
Anexo Cap. Sec.
Punto
Prr.
5.
5.4.4.
A 3250
1.
S/Com. A 4936, 4971
5.4.5.
A 3250
1.
(pto. 18.) y 5000.
5.4.6.
A 3250
1.
5.4.7.
A 3250
1.
S/Com. A 5068.
S/Com. A 5461 y
5.4.8.
A 3250
1.
5482.
5.4.9.
A 3250
1.
S/Com. A 3014 (pto.
5.4.10.
A 3250
1.
3.7.1.), 3323 y 4809.
5.4.11.
A 3250
1.
5.4.12.
A 3250
1.
5.4.13.
A 3250
1.
5.4.14.
A 3250
1.
5.5.
A 3583
1.
S/Com. A 3827.
S/Com. A 4602 (ptos.
5.6.
A 3566
1.
1 y 2.).
S/Com. A 5161, 5204,
5.7.
A 5007
5231, 5284, 5450 y
5461.
S/Com. A 5231, 5284
A 5007
5.7.1.
y 5450.
S/Com. A 5231 y
A 5007
5.7.2.
5450.
S/Com. A 5231 y
A 5007
5.7.3.
5450.
S/Com. A 5231, 5450,
A 5007
5.7.4.
5459 y 5482.
5.7.5.
A 5007
S/ Com. A 5804.
5.7.6.
A 5007
S/ Com. A 5804.
5.7.7.
A 5007
5.7.8.
A 5007
5.7.9.
A 5007
5.8.
A 5147
5.8.1.
A 5147
5.8.2.
A 5147
5.8.3.
A 5147
S/Com. A 5212.
S/Com. A 5212 y
5.8.4.
A 5147
5461.
5.8.5.
A 5147
5.8.6.
A 5147
5.8.7.
A 5147
5.8.8.
A 5147
5.8.9.
A 5147
5.8.10.
A 5147
6.
6.1.
A 3042
S/ Com. A 5728.
S/Com. A 1922, 3323
A 1891
6.2.
y 4875.

DEPSITOS DE AHORRO, CUENTA SUELDO, CUENTA GRATUITA UNIVERSAL Y ESPECIALES


TEXTO ORDENADO
NORMA DE ORIGEN
OBSERVACIONES
Sec.
Punto Prr
Com.
Anexo Cap. Sec.
Punto Prr.
6.
1
A 2530
1
6.3.1.
2
A 2530
3 4
3
A 2530
5
6.3.2.
A 2530
2
I
S/Com. A 2807 (pto. 6.
A 1199
6.3.
-1 y 2-), 3270, 5170,
6.4.1.
A 1820 I
2.6.
5641, 5659 y 5891.
6.4.2.
A 2807
6.
3
6.4.3.1.
A 2807
6.
5
6.4.3.2.
A 2807
6.
4
6.5.1.
A 1199
I
5.3.1.
6.5.2.
A 1199
I
5.3.2.
6.5.3.
A 1199
I
5.3.3.
6.5.4.
A 3042
6.5.5.
A 1199
I
5.3.4.
5.3.4.1. y
6.5.6.
A 1199
I
5.3.4.3.
6.5.7.
A 627
1.
6.6.
A 1199
I
5.1.
6.6.1.
A 1199
I
5.1.1.
6.6.2.
A 1199
I
5.1.2.
6.6.3.
A 1199
I
5.1.3.
6.7.1.
A 1199
I
5.2.1.
S/Com. A 3042.
S/Com. A 3042, 4809
6.7.2.
A 1199
I
5.2.2.
y 5482.
6.8.
B 6572
S/Com. A 5388.
6.9.
A 4809
6.
S/Com. A 5164, 5520
6.10.
A 4809
7.
y 5612.
6.11.
1
A 5212
S/Com. B 9961 y A
6.11.1.
A 5127
3.
5164, 5212, 5473, 5718
y 5778.
6.11.2.
A 5212
S/Com. A 5718.
6.11.3.
A 5137
S/Com. A 5164.
6.12.
A 5137
S/Com. A 5164.
S/Com. A 5164 y
6.12.1.
A 5137
5809.
S/Com. A 5164, 5517,
6.12.2.
A 5137
5739 y 5809.
6.13.
A 5482
6.14.
A 5482
6.15.
A 5531
S/Com. A 5547.
A 5588
6.16.
A 5588
6.16.1.
A 5588
6.16.2.
7.
S/Com. B 9516 y
7.1.
A 1199
I
4.2.6.
10025, A 5410 y 5565.
7.2.
B 10567

Comunicaciones que componen el historial de la norma


ltimas modificaciones:
17/07/15: A 5778
17/07/15: A 5779
15/09/15: A 5804
29/09/15: A 5809
21/01/16: A 5891
ltimas versiones de la norma - Actualizacin hasta:
05/06/08

17/10/11

09/04/15

20/11/08

23/02/12

13/04/15

06/04/09

23/01/13

16/07/15

27/04/09

21/03/13

14/09/15

13/08/09

11/04/13

12/10/15

28/10/09

18/04/13

20/01/16

19/11/09

23/06/13

02/12/09

17/07/13

21/12/09

18/07/13

21/01/10

08/08/13

18/04/10

24/09/13

23/06/10

19/12/13

23/09/10

05/01/14

22/11/10

14/01/14

22/12/10

19/02/14

28/12/10

20/03/14

10/01/11

04/06/14

14/02/11

30/10/14

13/06/11

26/02/15

31/07/11

15/03/15


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A 5659: Aplicacin del sistema de seguro de garanta de los depsitos. Depsitos e inversiones a plazo. Depsitos de ahorro, cuenta sueldo, cuenta gratuita universal
y especiales. Reglamentacin de la cuenta corriente bancaria. Cuentas a la vista
abiertas en Cajas de Crdito Cooperativas. Tasas de inters en las operaciones
de crdito. Actualizacin.
A 5718: Transferencias de fondos. Esquema de cargos y/o comisiones. Adecuacin.
A 5728: Comunicaciones A 5709 y 5717. Documentos de identificacin en vigencia.
Actualizacin de textos ordenados.
A 5738: Prevencin del lavado de activos, del financiamiento del terrorismo y otras actividades ilcitas. Depsitos de ahorro, cuenta sueldo, cuenta gratuita universal y
especiales. Reglamentacin de la cuenta corriente bancaria. Cuentas a la vista
abiertas en las cajas de crdito cooperativas. Actualizacin.
A 5739: Costo de las transferencias entre cuentas. Difusin por parte de las entidades
financieras. Modificacin.
A 5778: Transferencias inmediatas de fondos. Modificacin del importe para operaciones
originadas en cajeros automticos e Internet (home banking).
A 5779: Cuenta gratuita universal. Actualizacin del monto mximo admitido.
A 5804: Cuenta sueldo y Caja de ahorros para el pago de planes o programas de ayuda social. Ampliacin del plazo de cierre de cuentas. Identificacin de los conceptos de pago BECAS BICENTENARIO y ANSES HOGAR.
A 5809: Costo de las transferencias entre cuentas. Transferencias inmediatas de fondos.
Cuenta gratuita universal. Difusin por parte de las entidades financieras. Modificacin.
A 5891: Tasas de inters en las operaciones de crdito. Depsitos e inversiones a plazo.
Proteccin de los usuarios de servicios financieros. Servicios complementarios
de la actividad financiera y actividades permitidas. Posicin global neta de moneda extranjera. Aplicacin del sistema de seguro de garanta de los depsitos. Depsitos de ahorro, cuenta sueldo, cuenta gratuita universal y especiales. Reglamentacin de la cuenta corriente bancaria. Cuentas a la vista abiertas en las cajas
de crdito cooperativas. Actualizacin.
A 5927: Transferencias de fondos. Esquemas de cargos y/o comisiones. Adecuaciones.
A 5928: Proteccin de los usuarios de servicios financieros. Depsitos de ahorro,
cuenta sueldo, cuenta gratuita universal y especiales. Reglamentacin de la
cuenta corriente bancaria. Cuentas a la vista abiertas en las cajas de crdito
cooperativas. Adecuaciones.

B 6360: Cuentas Fondo de Desempleo para los Trabajadores de la Industria de la Construccin (Cap. I, Punto 4.2.).
B 6572: Derechos y garantas constitucionales. Actos discriminatorios.
B 9516: Modificacin del formato y diagramacin de la Libreta de Aportes al Fondo de
Cese Laboral - Credencial y Hoja Mvil complementaria y accesoria. Adecuacin
de la normativa vigente.
B 9699: Comunicacin A 5007. Informacin complementaria.
B 10025: Comunicacin B 9516. Libreta de Aportes al Fondo de Cese Laboral - Credencial y Hoja Mvil complementaria y accesoria. Prrroga del plazo de caducidad
de la Libreta de Aportes en su formato tradicional.
B 10567: Suplemento Excepcional - Damnificados por Inundaciones". Decreto N 390/13.
C 35473: Comunicaciones A 3682 y 3708. Fe de erratas.
C 42122: Depsitos de ahorro, pago de remuneraciones y especiales. Comunicacin A
4368. Fe de erratas.
C 50984: Comunicacin A 4809. Fe de erratas.
C 56320: Comunicacin A 5091. Fe de erratas.
C 57622: Comunicaciones B 9962, A 5161 y A 5164. Fe de erratas.

Comunicaciones vinculadas al Texto Ordenado (Relacionadas y/o Complementarias):


Rgimen Informativo: Pago de remuneraciones mediante acreditacin en cuenta bancaria
(R.I.-P.R.).
Cuenta Gratuita Universal - Titulares (R.I.-C.G.U.-T).
Presentacin de Informacin al BCRA: Seccin 10. Pago de remuneraciones mediante acreditacin en cuenta bancaria.
Seccin 45. Cuenta Gratuita Universal - Titulares
A 5137: Cuenta gratuita universal. Costo de las transferencias entre cuentas en pesos.
Difusin por parte de las entidades financieras.
A 5207: Transferencias inmediatas de fondos. Difusin por parte de las entidades financieras.
A 5270: Cuenta de la seguridad social. Difusin por parte de las entidades financieras.
A 5271: Comunicacin A 5270. Suspensin de entrada en vigencia.
A 5531: Compras para tenencia de billetes extranjeros en el pas. Resolucin AFIP N
3583/14. Caja de ahorros Com. "A" 5526.
B 9961: Comunicacin A 5127. Transferencias en pesos.
B 9962: Pagos de la Administracin Nacional de la Seguridad Social (ANSES) por asignaciones familiares y universales por hijo. Identificacin en los resmenes de cuenta u otras constancias
B 9991: Implementacin de la Cuenta gratuita universal. Comisiones por transferencias
y Operatoria de cheques cancelatorios. Recordatorio.
B 10154: Acuerdo N 3.552 de la Suprema Corte de Justicia de la Provincia de Buenos
Aires.
B 10296: Cuentas a la vista para uso judicial. Aclaraciones.
B 10989: Acreditacin de transferencias de fondos efectuadas en concepto de pagos de
subsidios para la compra de garrafas (Programa Hogares con Garrafas -HOGAR-,
Decreto N 470/15).
C 64377: Acreditacin de transferencias de fondos efectuadas en concepto de pagos de
beneficios por la Administracin Nacional de Seguridad Social.
P 50599: Actualizacin de montos de acreditaciones y saldos mximos para la Cuenta
Gratuita Universal.

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