In response to our previous article on SAT’s New 2014 Tax Laws for Mexico that Affect Expats , there are various discussions on expat webforums that raise some really GOOD questions about the “RFC”s that some banks fabricated for the foreign customers who had no prior CURP or RFC.
Here’s some examples from the “In the Roo” webforum: http://intheroo.com/forum/mexico-living/7764-bank-accounts.html#post98459
“My RFC was given to me when I opened my account at HSBC. I am surprised that my rep did not know the RFC was on my checks. I guess you did not see anything on your checks.”
“Do you know how they got the RFC? I read that some banks have used one for customers, but it isn’t really their number. I have a CURP, but no RFC. I am wondering if I need to apply for one. Bancomer has not asked me for one so far. See “What about new banking regulations?” New 2014 Tax Laws for Mexico that Affect Expats and Foreigners | Surviving Yucatan. John if you go to Bancomer, will you ask them if everyone will need a RFC? Thanks! I sent an email to Bancomer from their website about 2 weeks ago, but never received a response.”
Reality? Watch out for CURP and RFC numbers that were fabricated by a bank, as they are not official.
For readers who want to comply with the new SAT laws ~ and avoid future problems with your Mexican bank and SAT ~ Know that you must have a legitimate official RFC from SAT/Hacienda. Many Mexican banks just made up artificial RFCs for foreigners who did not previously have an RFC, when they started past bank accounts. These old bank-issued RFCs are not generally legitimate. The last three digits of your RFC tell the tale, because the other numbers just generically describe your name and birth date.
**RFCs are 13 characters long. The first four characters are for the person’s name, the next six characters list the date of birth (YYMMDD), and the last three characters are assigned by SAT/Hacienda.
If you think you have a bank fabricated RFC number that is not real, go to the SAT RFC page to request an RFC number and attempt to get one. If you already have a legitimate one, then the site will tell you. Check at https://siat.sat.gob.mx/PTSC/inscurp/
Alternately: People who already have a CURP, but no RFC, can apply for an RFC tax ID number online at this site – which avoids making an appointment and bringing documents to one of the SAT/Hacienda offices. If this SAT link is temporarily down, instead, go to the SAT main page http://www.sat.gob.m…ternet/home.asp , then scroll down to the bottom and find “Información Destacada“. Click the option/button labeled “Inscríbete en el RFC“.
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© Steven M. Fry
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