M\u00e9xico.- Las cuentas digitales online son una opci\u00f3n para usuarios de la banca, respaldadas por un banco, las cuales no cobran comisiones y se contratan y operan en l\u00ednea, ya sea a trav\u00e9s de una plataforma web, desde el celular o de una aplicaci\u00f3n.<\/p>\n
La Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros (Condusef) se\u00f1ala que este tipo de cuentas,\u00a0protegidas por el Instituto para la Protecci\u00f3n al Ahorro Bancario (IPAB),\u00a0permiten transferir dinero a terceros v\u00eda Sistema de Pagos Electr\u00f3nicos Interbancarios (SPEI) de forma gratuita.<\/p>\n
As\u00ed como retirar dinero sin necesidad de utilizar un pl\u00e1stico, realizar el pago de servicios, recarga de tiempo aire, adem\u00e1s de pr\u00e9stamos e inversiones, y el estado de cuenta digital con movimientos y balance de ingresos y gastos, y no se necesita mantener un saldo m\u00ednimo.<\/p>\n
Las cuentas digitales en M\u00e9xico se clasifican en cuatro niveles de operaci\u00f3n: en el nivel uno, la suma de los abonos en el transcurso de un mes no puede exceder el equivalente en moneda nacional a 750 UDIs (a mayo de este a\u00f1o una UDI ten\u00eda un valor de 6.27 pesos).<\/p>\n
En el nivel dos, los abonos no pueden pasar de las tres mil UDIS, en el tres, de los 10 mil, y en el cuatro, los abonos de los recursos no tienen\u00a0l\u00edmite, salvo que las instituciones pacten con alguno de los clientes.<\/p>\n
El organismo precisa que los dep\u00f3sitos a las cuentas referidas se hacen con la cuenta CLABE Interbancaria conformada por los 18 d\u00edgitos sin costo, y los dep\u00f3sitos en efectivo tambi\u00e9n podr\u00e1n realizarse en corresponsales bancarios, para lo cual ser\u00e1n necesarios los 18 d\u00edgitos de la tarjeta.<\/p>\n","protected":false},"excerpt":{"rendered":"
M\u00e9xico.- Las cuentas digitales online son una opci\u00f3n para usuarios de la banca, respaldadas por un banco, las cuales no cobran comisiones y se contratan y operan en l\u00ednea, ya sea a trav\u00e9s de una plataforma web, desde el celular o de una aplicaci\u00f3n. La Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios 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