Taking a bank transfer as a joke can have negative consequences with the bank. At least that’s what some people report, like Banco Azteca, Banorte, BBVA, Citibanamex, HSBC or Santander (among others), which have a sort of list of prohibited words when writing the notion of transfer.
This text is intended to provide a brief indication with which the sender and recipient clearly identify the origin of this transaction. However, there are a number of words that They could set off alarms at the bank. They can be put on and you won’t get arrested for it, but it’s better if you don’t.
What words are not recommended to use in bank transfers
If you are calmly transferring money in your banking application from your iPhone, it is worth keeping in mind that there are certain terms that should not be written in the concept. As humorous phrases, fictitious names and any reference to a scam, a terrorist threat or drugs.
A priori, no entity blocks any word and, as we said in the introduction, by power we can put anything in the concept. However, Automatic bank systems detect these types of words and expressionsso they can issue an alert.
Usually nothing happens if it’s only done once, but if it’s repeated or the concept is serious enough, they can contact you to clarify this fact. You may even have problems with the SAT (Tax Administration Service).
Of course, nothing will happen if it’s a joke, but that’s not something the entities particularly enjoy. In fact, if anything else suspicious is found, you could face prosecution.
Therefore, if one wants to avoid scares and even save money on lawyers, it is best not to take the concept of bank transfer as a joke. What you are advised to do is to add any reference which, however short, can be considered as such and well interpreted by both parties and by the bank itself. A proper name, a short, real and clear concept, an invoice number… Likewise, it is not advisable to leave it emptybecause this could also be problematic as in the use of these other “forbidden” concepts.
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