ArgentinaARSArgentine Peso
Argentina does not use the IBAN standard: instead it uses CBU (Clave Bancaria Uniforme, 22 digits) — a unique code for each account. Russians transfer ARS to Argentina to families, partners, and students without restrictions — Argentina has not imposed sanctions against Russia. 2024 reforms reduced exchange rate distortions, but ARS remains a volatile currency.
The route, the receiving bank and the payout amount are agreed before payment.
Argentina does not use the IBAN standard — instead it uses CBU (Clave Bancaria Uniforme), a 22-digit bank account identifier. For international SWIFT transfers, you typically need the bank's SWIFT/BIC code, the CBU account, and the recipient's full name. The country's largest banks are Banco Nación Argentina, BBVA Argentina, and Santander Argentina. CBU is the key detail for bank deposits in Argentina, so it's important to verify all 22 digits before sending.
The RUB/ARS exchange rate is locked in when you submit your request, which is especially important due to the volatility of the Argentine peso. Settlement takes several business days and depends on the recipient's bank and the correspondent routing. Argentina has not joined EU sanctions packages against Russia, but international transfers still go through standard AML/KYC checks by banks and correspondents. Following currency reforms by Javier Milei's government in 2024–2025, the gap between the official and parallel ARS rates has narrowed, though the Argentine peso remains a volatile currency.
ARS. Cards are issued by Banco Nacion, BBVA Argentina, Santander Argentina. Commission from 0.9% with no markup on the exchange rate. Settlement times — check with your manager
ARS. Details: CBU (22 digits), bank SWIFT, name. IBAN is not used in Argentina. Recipient banks: Banco Nacion Argentina, BBVA Argentina, Santander Argentina. Commission from 0.9% with no markup on the exchange rate. Settlement in several business days (check exact timing with your manager)
ARS or USD by agreement. In Argentina, USD is widely accepted on par with ARS — especially for large purchases. ARS or USD — choose your payout currency with your manager. Commission from 0.9%. Payout locations — ask your ATM24 manager
ARS is a volatile currency with a history of devaluations. ATM24 locks in the current RUB/ARS exchange rate at the time you submit your request. Recipient's CBU (22 digits) is a required detail instead of IBAN. Verify the recipient's details and contact an ATM24 manager.
We accept RUB, USD, EUR and USDT — we pay out in ARS
RUB ARS
16.2per 1 RUB
10 000 ₽ = 162 019 ARSUSD ARS
1,452.55per 1 USD
100 $ = 145 255 ARSEUR ARS
1,646.62per 1 EUR
100 € = 164 662 ARSUSDT ARS
1,452.55per 1 USDT
100 USDT = 145 255 ARS| You send | Payout in ARS |
|---|---|
| 100 USDT | 145 255 ARS |
| 300 USDT | 435 765 ARS |
| 500 USDT | 726 275 ARS |
| 1 000 USDT | 1 452 550 ARS |
| 5 000 USDT | 7 262 750 ARS |
Where recipients usually get the money in Argentina
Type: State-owned (largest in the country); Accepts transfers from Russia: Yes (BNNAARSB — confirm routing)
Banco Santander Argentina — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Type: Private (BBVA Group subsidiary); Accepts transfers from Russia: Yes (BBAAARBA — confirm routing)
Banco Macro — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Banco Galicia — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency is the Argentine peso (ARS), one of South America's most volatile currencies; reforms by Javier Milei's government since 2024 aim at financial stabilization and reducing exchange rate imbalances.
Card systems
Visa and Mastercard dominate alongside local systems Cabal and Tarjeta Naranja. DEBIN and CVU enable instant interbank transfers. Mercado Pago is the largest digital wallet with an integrated card into the ecosystem.
Payment applications
CBU structure: 3 bank digits + 4 branch digits + 1 check digit + 13 account digits + 1 check digit = 22 digits.
Interbank transfers
Banco Central de la República Argentina (BCRA) — the country's central bank and financial regulator. Instead of IBAN, CBU (Clave Bancaria Uniforme) is used — a 22-digit code to identify a bank account.
Financial regulator
USD is also widely used in Argentina alongside ARS, especially in large transactions and savings.
Special features for ATM24
For digital wallets, CVU (Clave Virtual Uniforme) is used — an analog of CBU for services like Mercado Pago and other fintech platforms.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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Argentina is a country without sanctions against Russia, with a unique financial system: CBU instead of IBAN, ARS with a special exchange rate regime. Below are answers to common questions.
For a transfer to Argentina in ARS, ATM24 builds the order around the recipient's payout method on the Argentina ARS payout route. The sender sees the route, fee from 0.9%, expected timing from 15 minutes, and final amount before payment; if details change, the calculation is updated. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
The recipient can use a card or bank account for an ARS transfer to Argentina if that channel is available for the bank. Before payment, ATM24 checks Banco Nación, Banco Galicia, card or account format, recipient name, and payout currency. International-card network availability is confirmed by route, not assumed for every bank. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
ATM24 can check whether an ARS transfer to Argentina may go through Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
For an ARS transfer to Argentina, ATM24 checks recipient details against the selected receiving route: Argentina ARS payout route, Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro, card payout, account payout, recipient name, ARS payout data, and different receiving rules for Banco Galicia and BBVA Argentina. The manager verifies name spelling, bank or card format, payout currency, and payment purpose before payment. If the recipient changes the route, the required fields are checked again. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
Transfer timing to Argentina in ARS starts from 15 minutes when the bank, card, or account route is ready. ATM24 checks Banco Nación, Banco Galicia, and any route limit before payment. If the receiving bank asks for clarification, processing can take longer. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
An ARS transfer to Argentina through ATM24 has a fee starting from 0.9%, but the useful number is the final amount after the route is checked. ATM24 confirms the Argentina ARS payout route, bank such as Banco Santander Argentina, exchange conditions, sender's payment method, and payout amount. Any fee charged by the sender's card issuer or bank should be checked separately. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
Yes, ATM24 can calculate a transfer to Argentina in ARS where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Argentina ARS payout route, payment currency, exchange conditions, bank details such as Banco Nación or Banco Santander Argentina, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
For Argentina, the minimum ARS transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Banco Nación, Banco Galicia, recipient details, payout method, and document requirements before payment. A route through Banco Galicia may have different limits than a card or non-bank payout. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
Large transfers to Argentina in ARS are checked by amount, recipient route, and receiving bank. ATM24 reviews Banco Nación, BBVA Argentina, card or account payout, payment purpose, and source-of-funds information. Any document request is named before the sender pays. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
The estimated payout for sending 1000 USD to Argentina in ARS should be checked by route: 1,452,550.09 ARS. ATM24 reviews Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro, card or account payout, fee from 0.9%, and exchange conditions. The manager confirms the final ARS amount in the order. Bank-route examples for Argentina: Banco Nación, Banco Galicia, Banco Santander Argentina, BBVA Argentina, and Banco Macro.
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