Fees
CacaoCash fees: 2.5% per payment, up to 10% more pesos than your card
CacaoCash charges 2.5% on each QR payment and each peso transfer, shown before you confirm. Loading money by bank transfer or crypto is free on our side. Even after the fee, you get about 6% to 10% more pesos than paying with a foreign card, because the conversion happens at the crypto dollar rate (October 2026).
Get the appWhat's free
- Loading money by bank transfer (ACH, SEPA, SWIFT and local transfers) or crypto: no CacaoCash fee. Your bank or exchange may charge its own
- Sending dollars to another CacaoCash user
- Receiving: the person you pay or send pesos to pays nothing
- No monthly or account fee
Fees and rate
- QR payments
- 2.5% per payment, shown before you confirm
- Peso transfers
- 2.5% per transfer to an alias, CVU or CBU, shown before you confirm. The recipient pays nothing
- Exchange rate
- Crypto dollar rate, shown before every payment. The 2.5% fee is shown separately from the rate
- Deposits
- Bank transfer and crypto: no CacaoCash fee
Example: a US$50 payment in Buenos Aires (October 2026)
CacaoCash: ≈77,900 pesos
US$50 converted at the crypto dollar rate, with the 2.5% fee already included. This is what the merchant receives.
Foreign card with no foreign-transaction fee: ≈73,250 pesos
A Visa or Mastercard issued abroad, charged at the non-resident card rate. CacaoCash gives about 6% more.
Foreign card with a 3% foreign-transaction fee: ≈71,100 pesos
The same card when your bank adds a typical 3% fee on purchases abroad. CacaoCash gives about 10% more.
Assumptions: October 2026 rates. CacaoCash ≈1,598 ARS per US$ before the fee (average of real QR payments, 12 to 18 October 2026), ≈1,559 per dollar charged after the 2.5% fee. Foreign cards get the non-resident card rate, ≈1,465 ARS per US$ (Fiserv/Posnet). Rates change every day; the app shows the exact amount before you pay.
Related
Questions about fees
How much does CacaoCash charge?
Is CacaoCash cheaper than paying with my card?
Is the fee included in the exchange rate?
Does the person I send pesos to pay anything?
Is there a fee to load money?
How much does CacaoCash charge?
Is CacaoCash cheaper than paying with my card?
Is the fee included in the exchange rate?
Does the person I send pesos to pay anything?
Is there a fee to load money?
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One app. Every QR and alias in Argentina.
