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¿Cómo hago para ponerle fin a los débitos automáticos (stop debit)?


¿Cómo hago para ponerle fin a los débitos automáticos (stop debit)?

Por Mariela A. Moncada (Abogada-Mediadora)

Hoy, la mayoría de los usuarios bancarios, deciden tener adheridos a su cuenta bancaria, los débitos automáticos, para el pago de impuestos o servicios, porque de esta forma uno se organiza un poco mejor con los pagos, o bien por la practicidad del mismo.

Pero, ¿qué pasa cuando, como cliente, decido ponerle fin a este servicio?

En ese momento empiezan los problemas, porque el banco pretende ponerme un sinfín de requisitos para poder hacer el “stop debit”.

Entonces, ¿qué debo hacer?

Sepan que tanto para adherirse al sistema de débito automático, como para suspenderlo o darlo de baja, sólo se necesita la CONFORMIDAD EXPRESA DEL TITULAR DE LA CUENTA.

Pueden solicitar el cese, tanto al banco como a la empresa que me brinda el servicio.

Si quiero hacerlo en forma inminente, debo hacerlo primero al banco.

¿En cualquier momento puedo solicitar el “stop debit”? 

Si, cuando el cliente lo requiera.

En el caso de cajas de ahorro, puede solicitar la suspensión o baja de los débitos automáticos hasta el día hábil anterior al vencimiento de la factura.

En caso de cuentas corrientes, puede solicitar la suspensión o baja de los débitos automáticos hasta 5 días anteriores al vencimiento de la factura.


¿Qué pasa si ya me debitaron, puedo “revertir ese debito”? 

Si, puedo… tengo 30 días desde que se produjo el débito, para solicitar al banco que me devuelva el monto debitado. El banco tiene 72hs para devolverme el dinero debitado. En caso de montos mayores a $750, debemos contar con la conformidad de la empresa originante del debito.

¿Qué pasa si yo le solicité al banco que detenga los débitos, y este no hizo caso a mi pedido?

En ese caso, debo solicitarle al banco que me devuelva lo debitado erróneamente, en forma inmediata.

¿Cómo solicito al banco que detenga los débitos automáticos?

Lo debo solicitar expresamente (por escrito), puedo hacerlo por nota en papel y presentarlo por mesa de entrada del banco donde tengo la cuenta, o bien, por mail, internet o chat, siempre que me quede a mi una constancia escrita de mi solicitud, donde figure fecha y hora de mi pedido.

Aquí les dejo un modelo de cómo solicitarlo:


Sr. Gerente del banco xxxxxxxx

                                                     Juan perez dni xxxxxxxxx domiciliado en calle xxxxxxxx teléfono xxxxxxxx mail xxxxxxx titular de la cuenta numero xxxxxxxxxxx, se dirige a ud a fin de solicitarle expresamente la suspensión / baja del debito automatico que poseo con esta institución /empresa xxxxxxxxxxxxxxxxx

                                                     Sin otro particular, saludo a ud, atte.




(Fundamento legal:  Comunicación A 491/2018; 6462; 5990 BCRA y Ley 24240 Art 37.)


Recuerden hacer valer siempre sus derechos, porque de lo contrario quedaran como “letra muerta” en un papel. Tenes un derecho, ejercelo… ¡Defendelo!




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