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One of the most used digital wallets in Colombia is nobodyThanks to it, Colombians can send and receive funds through the application without too much complexity.
However, some people doubt whether Government tax 4×1000which means that for every 1,000 pesos transferred into a bank account, one must pay a value equivalent to 0.4% of the transaction.
(farther: Nequi app announces a new update that will benefit users).
To understand how 4×1000 can be used, the first thing you should consider is whether your Nequi is used as a savings account or a small deposit:
– saving account: When you exceed the Nequi fund limit, by managing more than $9,907,182, you can convert your Nequi account into a savings account and be exempt from government taxes. However, you should note that by law, only one of your bank accounts can enjoy the 4×1000 exception.
(Lea: A few days later, Bancolombia’s problem was solved: What happened).
– Low deposit: When Nequi has a limit and the amount of money moved per month does not exceed $9,907,182, or 210.50 UVT (tax value units), it becomes a small deposit.
“Therefore, if your Nequi is a low deposit, according to Colombian law, when you withdraw, transfer or make payments during the month, you must pay 4×1,000 taxes to the government, starting at $3,059,225 (65 UVT)”, Nequi states on its official website.
(farther: Be very careful: Nequi can be caught for these reasons, so avoid it).
You should also remember This rule applies to all small deposits, regardless of the financial institution.
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What must you do to protect your Nequi account from 4×1000?
To keep your Nequi account free from 4×1000 government tax, you need to change it to a savings account by following these steps:
1. Make sure your Nequi app is updated to the latest version.
2. Click on the ‘Your Silver’ option at the top of the screen, below your available funds.
3. Go to “Your Limits” at the bottom of the screen.
4. A “Switch to Savings Account” button will appear and you must select it.
5. Follow the steps and enter the requested information.
6. Nequi will discount your available balance by a total of $15,000 as a one-time fee to break the limit.
7. Log out of the app and log back in after 5 minutes to see that it is now a savings account. You will also receive an email confirming this decision.
Notice Nequi account changes can only be made by Colombians who are 18 years of age or older.
(Via: Nequi adjusts dollar-peso exchange rate ceiling).
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Twitter: @Nequi
What happens if after changing your Nequi to a savings account, they continue to charge you 4×1000?
“If you use Nequi as a savings account and choose to exempt it from 4×1000, you will only pay taxes to the government after using more than $16,472,750 per month.”, meaning digital wallet through its official portal.
Therefore, if you still have to pay the 4×1000 fee after changing your Nequi account to a savings account, you should make sure Apart from this exception, no other accounts at another financial institution, because if so, you’ll have to contact them to have it unchecked.
You can also contact Nequi Customer Service and clearly state that you want to unlock Nequi 4×1000. The consultant must check that you do not have other accounts (exceptions apply) and will respond within a maximum of 4 days.
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