BCT Circular 2025-13: New Export Payment Terms Tunisia
Tax & Legal
Oct 28, 2025
The Central Bank of Tunisia just published Circular 2025-13 that radically changes the game for Tunisian exporters. After years of strict constraints, discover how these new rules can boost your international business.
The 3 Major Changes of Circular 2025-13
1. Short Terms (Up to 120 days) - Total Freedom
Your clients pay within 4 months? No more formalities! BCT removes all constraints for terms up to 120 days after shipment.
2. Medium Terms (121 to 360 days) - 3 Guarantee Options
Need more flexibility? Three solutions available:
Payment guarantee from foreign bank
Irrevocable documentary credit
Bill of exchange endorsed by non-resident bank
3. Long Terms (+360 days) - BCT Authorization Required
For strategic long-term projects, prior BCT authorization remains necessary but with relaxed criteria.
The 3 Critical Traps to Avoid
Our expertise reveals that 70% of exporters make these mistakes:
Poor drafting of payment clauses in contracts
Underestimation of actual collection timelines
Inappropriate choice of guarantee type
How Luca Pacioli Supports You
Export Contract Audit
We verify your contracts' compliance with the new circular : Tax Audit Support Tunisia – Professional & Compliant - Luca Pacioli
Guarantee Optimization
Choose the most advantageous solution for your industry : Advisory & Business Development Tunisia - Luca Pacioli
BCT Support
We manage your authorization requests beyond 360 days: Exchange rules Advisory & Transfer Pricing Tunisia - Luca Pacioli
Our Client Testimonial
"Thanks to Luca Pacioli, we secured a €1M contract with 240-day terms. Their expertise saved us from 3 critical mistakes."
— Export Director, Industrial Company Tunisia
Talk to us : Led by a Tunisian Chartered Accountant (National Diploma of Accounting Expertise – OECT, Master in Tax Law and Administrative Litigation, International Tax and Transfer Pricing Certificates – IBFD), Luca Pacioli supports Tunisian companies in all steps.
Here is a link to our direct WhatsApp: https://wa.link/u60tk9
