These are the words you shouldn't use for transfers in 2025

Bank transfers have become a common everyday transaction, as thousands of users use them to make payments, send money, and perform other banking transactions.

Although this is a relatively simple procedure, it is necessary to take into account certain details that require extreme care, either to avoid an unsafe situation or a penalty from the Tax Administration Service (SAT) .

In addition to considering the limit on the amount of money that can be transferred, the SAT also monitors the words used in the " Concept " section, that is, the reason for your bank transaction.

You may not even use this space when making the transfer and leave it blank. However, some people, beyond using it as a reference, take advantage of this option to add a joke .

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In response to this situation, the SAT has a list of words that cannot be used as "concepts" for bank transfers , even if it is used as a "joke," as they could refer to one or more illegal activities.

Below we list the words that the Tax Administration Service has classified as prohibited for bank transfers:

• Drugs

• Arms

• Fraud

• Money laundering

• Drug trafficking

• Extortion

• Bribery

• Crime

• Heist

• Murder

• Betting

• Sex or sexual allusions

• Kidnapping

• Illegal money

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If you exceed it, the SAT may ask you to prove the origin of the amount.

To avoid problems with potentially misinterpretable terms or ambiguity in the 'Concepts', accounting experts and tax authorities recommend using clear and justifiable words such as the following:

• Bills
• Saving
• Payment of services
• Fee
• Inputs
• Shopping
• Reimbursement of expenses

Also, for any situation in which you need to support or justify your bank transactions, It is recommended to save every movement you make , whether through an app, from an ATM or a multi-service center.