The Superintendency of Banks issued Acuerdo 8-2026 of September 22, 2026, published in Official Gazette No. 30629 of October 8, 2026. The rule, approved by the entity's Board of Directors, establishes the control measures that banks must apply to electronic funds transfers within national territory, both in transactions between clients of the same bank and between banks in the local market.

Its article 4 requires banking entities to have systems in their electronic channels that show the ordering client, free of charge, that the beneficiary's account is enabled to receive funds and that the beneficiary's name corresponds to the account holder or to the alias defined by the bank (cell phone number, email or others). Article 5 specifies the minimum data the bank must display before the originator authorizes the operation: the destination bank and account number or the alias, the holder of the account to be credited, and the amount. Article 6 adds that, when the beneficiary's name and the account number or alias do not match the registered information, the bank must warn clearly, in advance and visibly that the transfer could end up in an account whose holder does not correspond, and that the final decision rests with the originator, without prejudice to the bank's liability for failures in its controls.

The measure reaches official banks and general-license banks that offer transfers through online banking, mobile banking and mobile wallets or payments (article 2), that is, most of the country's retail payment system. For the user, the prior confirmation of the beneficiary seeks to reduce fraud and errors when sending money, a risk the rule itself acknowledges when it warns that, once the funds are credited, the originator might not be able to recover them. For the entities, it means adapting their electronic-banking platforms, keeping auditable records of each query and warning, and investing in the validation and pre-validation systems the Acuerdo requires.

The effect is not immediate. Article 7 defers the Acuerdo's entry into force to a period of nine months from its promulgation, so the verification obligations will only be enforceable around mid-2027. Until then the current transfer regime remains and the adaptation of banking systems will depend on how each entity implements the controls. Nexo Capital will follow the entry into force of Acuerdo 8-2026 and its operational regulation.