En el contexto actual, abrir una cuenta bancaria es uno de los pasos iniciales más importantes para gestionar las finanzas personales. Gracias a los avances tecnológicos, hoy en día las nuevas generaciones tienen acceso a una amplia gama de servicios financieros a través de sus dispositivos móviles, lo que ha facilitado aún más el acceso a estos servicios.
Aunque las tarjetas de débito y crédito siguen siendo populares, la implementación de tarjetas virtuales ha cambiado la forma en que los usuarios manejan su dinero. En lugar de utilizar tarjetas físicas, cada vez más personas optan por almacenar su dinero y realizar transacciones a través de billeteras digitales, utilizando sus smartphones.
Aplicaciones como Nequi y Daviplata, que llegaron al país hace algunos años, han cobrado gran popularidad en Colombia, mostrando que el futuro económico apunta hacia un entorno completamente digital, donde el uso de dinero físico podría desaparecer.
A pesar de ser aplicaciones móviles, tanto Nequi como Daviplata están bajo la regulación de entidades como el Ministerio de Hacienda, la Superintendencia Financiera de Colombia y la DIAN. Esto significa que las transacciones realizadas a través de estas plataformas deben ser incluidas en la declaración de renta, y los usuarios están obligados a cumplir con el pago de impuestos correspondientes.
Uno de los impuestos más relevantes en este ámbito es el 4×1000, que exige el pago de cuatro pesos por cada mil pesos que se muevan mediante retiros, transferencias o pagos. Estos recursos se destinan al financiamiento de programas en sectores como la educación, salud y seguridad.
Para los usuarios con múltiples cuentas de ahorros, la normativa vigente permitía la exención del pago del impuesto solo en una cuenta. Sin embargo, a partir del 13 de diciembre, este panorama cambiará, beneficiando a miles de personas.
Reforma tributaria y cambios en el 4×1000
Con la Ley 2277 de 2022, se introdujo el artículo 65, que entrará en vigor el próximo 13 de diciembre. Este cambio permitirá que los usuarios puedan tener más de una cuenta exenta del pago del impuesto 4×1000, siempre y cuando el total de sus transacciones mensuales no supere los 350 UVT (16′473.000 pesos colombianos).
Antes de este cambio, cada plataforma tenía sus propios límites. Por ejemplo, en Nequi, si los movimientos mensuales superaban los 65 UVT (9′907.182 pesos), el usuario debía pagar el 4×1000. En el caso de Daviplata, este impuesto aplicaba a quienes realizaban transacciones superiores a los 3′153.355 pesos mensuales.
A partir de la reforma, tanto Nequi como Daviplata estarán exentas del impuesto 4×1000, siempre que sus transacciones no superen los 16′473.000 pesos. Además, ya no será necesario hacer una solicitud para que la cuenta esté exenta del impuesto, como era necesario anteriormente. Desde el 13 de diciembre, todas las cuentas de ahorro estarán automáticamente incluidas en esta exención, facilitando el proceso para los usuarios.
Este cambio promete hacer más accesibles las billeteras digitales y, a su vez, aliviar la carga tributaria para quienes realizan transacciones dentro de los límites establecidos.
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