The Federal Administration of Public Revenues (AFIP), through the General Directorate of Social Security Resources (DGRSS), carried out a forecast verification to know the number of registered workers in the traditional San Silvestre marathon that, as every year, took place in the center of the Autonomous City of Buenos Aires. Out of a total of 156 workers and workers relieved, 60% were not registered or did not have the corresponding discharge
Officials of the organization led by Carlos Castagneto bet along the 8 km of the competition in order to carry out the respective control actions, concentrating the bulk of the inspectors in the start and finish area. It should be noted that this important employment control operation had preliminary verifications carried out by the General Tax Directorate (DGI).
The DGRSS will order the correct registration of workers
The DGRSS will determine the payment of the omitted contributions and will order the correct registration of workers with irregularities that arise. In this way, the AFIP implements the monitoring of taxpayers in order to modify their evasion behavior, which in this case represents a tax and social security damage for the workers whose rights are not respected. Social Inclusion.
From what amount does the AFIP control debit expenses
Among the more traditional payment instruments, debit cards take precedence over credit cards in consumer preferences. According to the BCRA, debit card transactions reached 166.5 million during October with an amount of $569.4 billion. This represents an interannual growth of 21.6%, in quantities and 5.2%, in amounts.
Meanwhile, in operations with credit cards, interannual variations of 3.8% in amounts and 0.5% in amounts were observed, with 103.6 million payments for $727.9 billion.
The BCRA report also records the movements of prepaid transportation cards where it was observed that trips with the SUBE card increased 35% year-on-year to reach 398.5 million trips. This advance is explained by the full normalization of activity after the pandemic was overcome.
The total amount rose to $8.2 billion, which represents a slight increase of 2.6%, due to the maintenance of the value of the tariffs.
AFIP controls expenses with debit card
In this context of consumption, just as banks must report fixed-term deposits, accreditations, withdrawals and account balances from a minimum amount, the same happens with debit cards.
The Federal Administration of Public Revenues (AFIP) raised in the last update from $10,000 to $30,000 the minimum amount from which financial entities must report accumulated expenses during a month with debit cards.
Experts clarify that it may be a single purchase transaction for $30,000 or more, but the banks must also inform AFIP of the accumulated amounts when they equal or exceed the mentioned $30,000 per month. In addition, this calculation takes into account the debit cards of the headline and the additional.
As a counterpart, the amounts of withdrawals in cash and any other amount that does not imply consumption are not included in this total.
Among the payment methods, the debit card is the most chosen, followed by credit cards
In parallel, it rose from $30,000 to $90,000 the minimum number to inform the accreditations, withdrawals, account balances and time deposits.
With these modifications, banks will be able to streamline operations and, in turn, will receive automatic and permanent information on monthly accreditations, withdrawals, account balances, term deposits and card consumption.
How does the debit card work abroad?
All the Banks allow you to use the debit card abroad, making purchases with the funds in the savings account in pesosin such a way that the processing system converts them from the currency in which the purchase is made (reals or euros, for example) to dollars and then to pesos at the official exchange rate, adding taxes.
So, the It is debited from the savings account in pesos, it is an amount that results from pesifying the dollars spent at the official exchange rate plus the PAIS tax (35%), the perception of Income Tax (45%) plus the perception of Tax on Personal Property (25%).
For this reason, it is necessary to take into account the total amount that will be debited so that there are funds, since the savings account is not separated to overdraw.
If the debit card holder has a savings account in dollars, you can choose to make this your primary account for payments abroad and also for domestic payments in dollars, such as Netflix or a purchase through Mercado Libre abroad. This choice is made through homebanking.
The VISA debit card can be used against the dollar savings account abroad
But the customer may choose to pay abroad with their debit card Yes, you can fund it, since the quota of US$200 applies for the purchase of savings dollars.
Anyway, It usually happens that the Central Bank does not register the purchase immediately, so they may have bought US$200 a month, leave the country and spend another US$100 with the debit card and the quota passes to the following month, when only you can buy another u$s100.
A special debit card is not required because both VISA, Mastercard or American Express are international and are ready for use in all currencies.
Can you withdraw money at ATMs with debit?
However, the outlook for withdrawing funds abroad through an ATM is more complicated. With both debit and credit cards, there are caps on cash withdrawals at foreign ATMs.
But In the case of a debit card, it is not possible to withdraw dollars from a savings account in pesos, although it can be done from a savings account in dollars.
With the credit card, the limit for withdrawals is u$s200because the Central Bank considers it equivalent to buying dollars for hoarding.
