BCT Circular 2025-13: New Export Payment Terms Tunisia

Tax & Legal

Oct 28, 2025

BCT Circular 2025-13: New Export Payment Terms Tunisia
BCT Circular 2025-13: New Export Payment Terms Tunisia

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:

  1. Poor drafting of payment clauses in contracts

  2. Underestimation of actual collection timelines

  3. 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

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Ready to Elevate Your Financial Journey?

Connect with the Luca Pacioli team today and discover how our expertise can transform your business's financial narrative. From strategy to success, we're here to guide you every step of the way.

Connect with the Luca Pacioli team today and discover how our expertise can transform your business's financial narrative. From strategy to success, we're here to guide you every step of the way.

© LucaPacioli - 2025 - All rights reserved

Luca Pacioli is a multidisciplinary, local firm that imagines and develops comprehensive and integrated solutions to support business leaders in their daily activities and throughout the life of their company, from inception to transfer. Traditional and digital accounting expertise, legal and social formalities, training, auditing, advice in business law, strategy, or wealth management, the diversity of our expertise allows us to support our clients in their daily management and future projects.

Luca pacioli expert comptable tunis centre urbain nord

© LucaPacioli - 2025 - All rights reserved

Luca Pacioli is a multidisciplinary, local firm that imagines and develops comprehensive and integrated solutions to support business leaders in their daily activities and throughout the life of their company, from inception to transfer. Traditional and digital accounting expertise, legal and social formalities, training, auditing, advice in business law, strategy, or wealth management, the diversity of our expertise allows us to support our clients in their daily management and future projects.

Luca pacioli expert comptable tunis centre urbain nord

© LucaPacioli - 2025 - All rights reserved

Luca Pacioli is a multidisciplinary, local firm that imagines and develops comprehensive and integrated solutions to support business leaders in their daily activities and throughout the life of their company, from inception to transfer. Traditional and digital accounting expertise, legal and social formalities, training, auditing, advice in business law, strategy, or wealth management, the diversity of our expertise allows us to support our clients in their daily management and future projects.

Luca pacioli expert comptable tunis centre urbain nord