What exactly is CacaoCash?

CacaoCash is a digital wallet built for people who travel or live in Latin America. It lets you pay with the QR codes locals use every day — Pix in Brazil, Mercado Pago in Argentina, and more — using money you load from abroad. No local bank account, no cash runs, no bad exchange rates.

How do I add money to my wallet?

Several ways — whatever's easiest for you: • ACH or SEPA bank transfer • SWIFT bank transfer You'll always see the exact rate and any fees before you confirm. No surprises.

Do I need to verify my identity?

Yes, once. It's a quick in-app process — a photo of your ID and a selfie. It keeps your account secure and lets us work with regulated financial partners across the region. Most people finish in under 3 minutes.

What if a payment is pending, fails, or I get a refund?

Pending payments usually clear on their own within minutes. If a payment fails, your balance is returned immediately. Refunds land straight back in your wallet — no waiting, no friction. If anything ever looks wrong, our support team is one message away.

Are there hidden fees?

No. CacaoCash charges 2.5% per QR payment or peso transfer, and before every payment you'll see: • The exact amount being charged • The live exchange rate • The 2.5% fee What you approve is exactly what leaves your wallet. Bank deposits have no CacaoCash fee. Full details at cacaocash.com/fees.

How do I know my money is safe?

CacaoCash is non-custodial — your funds are never pooled with anyone else's and every transaction requires your explicit approval. Identity verification and money movement are handled by licensed, regulated partners. You stay in control at all times.

Which countries are live?

CacaoCash is live today in: • 🇦🇷 Argentina — Mercado Pago QR Coming soon: • 🇧🇷 Brazil — Pix • 🇨🇴 Colombia • 🇵🇪 Peru — Yape

I lost my phone. What happens to my money?

Nothing bad. Your account is tied to your identity, not your device. Just install the app on a new phone, sign in, and everything is exactly as you left it — balance, transaction history, all of it.

Paying Large Amounts in Pesos as a Foreigner in Argentina (2026)

To pay a large amount in pesos as a foreigner in Argentina, use one of three routes: US dollars in cash, an international wire to the recipient's bank, or pesos sent to their alias or CBU. Immediate transfers are capped at 15,000 UVA per day per account (≈ARS 32 million in October 2026) and banks set lower limits.

Transfer limits in Argentina in 2026: what actually applies

Most people asking about a "transfer limit in Argentina" hit one of four different things. They are easy to mix up, so here they are side by side.

Rule	What it says	Who sets it
Immediate transfer ceiling	15,000 UVA per day per account in pesos (≈ARS 32.3 million in October 2026); US$12,500 or €12,500 per day in foreign currency. Can be raised on request, usually for one day.	BCRA (central bank)
Bank and wallet limits	Each bank or wallet sets its own daily limits by channel and by user profile. These are often well below the BCRA ceiling and can be raised in the app or at the branch.	Each bank or wallet
Tax reporting	Banks and wallets report an individual's monthly credits to the tax agency from ARS 50 million (set in May 2025, adjusted periodically). It is information, not a block, and it does not trigger an investigation on its own.	ARCA (tax agency)
Cash payments	The anti-evasion law says payments above ARS 1,000 should go through banking means (transfer, card, check) to have full legal effect. The amount was set in 2001 and never updated, so in daily life cash is everywhere, but it matters for contracts.	Law 25,345

Assumptions: UVA ARS 2,150.53 (11 October 2026, BCRA series) × 15,000 ≈ ARS 32.3 million. The UVA moves every day with inflation, so the peso ceiling moves too.

If you were trying to use Mercado Pago for this, see Mercado Pago transfer limits: without a DNI you cannot open a full account, so its limits are not your real problem.

Why the recipient's bank may ask for justification

In Argentina the person who receives a large transfer is often the one who gets questions. Banks follow anti-money-laundering rules and report big monthly movements to ARCA, so a landlord, a car seller or a clinic that suddenly receives several million pesos can be asked by their own bank where the money came from. That is normal and usually solved with a contract, an invoice (factura) or a receipt.

What this means for you as the payer:

Agree on the method before the day. Ask the recipient how they want to be paid (pesos to their alias or CBU, USD cash, or a wire) and whether their account handles the amount. Many people raise their own limit in advance.
Get paperwork. A rental contract, a quote from the clinic, a signed boleto for a car or a factura for a course. It protects both sides and answers the bank's questions.
Keep proof of payment. Save the confirmation of the transfer (a screenshot is fine) and ask for a signed recibo in return.
Check the name before you send. A wrong alias on a large payment is expensive and hard to undo. See money scams in Argentina for the common tricks.

How to pay a deposit in Argentina as a foreigner: three routes

Route	Good for	Watch out for
US dollars in cash	Used cars, some rentals priced in USD, sellers who prefer dollars	Carrying large amounts, counterfeit and damaged bills, no automatic record (always get a signed receipt)
International wire (SWIFT) to the recipient's bank	Long-term rentals or purchases where the recipient wants USD in their account	Sending and intermediary fees, the receiving bank's fee, 2 to 5 business days, and the recipient may have to justify the origin of the funds
Pesos to their alias, CVU or CBU	Rent deposits, medical bills, courses, anything priced in pesos	You need a way to send pesos without a DNI; the recipient's limits and their bank's questions still apply

If the alias, CVU and CBU are new to you, read CBU vs CVU vs alias first. For everyday payments (not just large ones), start with how to pay in Argentina as a foreigner.

Sending a large peso payment with CacaoCash

CacaoCash is a USD balance app for foreigners in Argentina. You sign up with your passport (no DNI, no Argentine bank account, no Argentine phone number), fund it by bank transfer (ACH, SEPA, SWIFT) or crypto, and send pesos to any alias, CVU or CBU. The recipient pays nothing and does not need to install anything.

Fund your balance ahead of time. Bank and crypto deposits have no CacaoCash fee. A large bank transfer can take a day or more to arrive, so do it before the payment date.
Ask the recipient for their alias or CBU and the exact amount in pesos.
Enter the alias, check that the name shown matches the person or business, and type the amount.
Review the cost in USD with the 2.5% fee shown before you confirm, then send.
Save the confirmation and send it to the recipient.

Large payments may require extra verification or documentation, such as the rental contract or invoice, so keep it at hand.

Payment in pesos	CacaoCash (≈1,559)	Foreign card, no fee (≈1,465)	Foreign card with 3% fee
ARS 1,500,000 (rent deposit)	≈ US$962	≈ US$1,024	≈ US$1,055
ARS 3,000,000 (used car down payment, medical bill)	≈ US$1,924	≈ US$2,048	≈ US$2,109

Assumptions: October 2026 rates. CacaoCash ≈1,559 ARS per USD charged (crypto dollar ≈1,598 before the 2.5% fee); foreign card at the Fiserv non-resident rate ≈1,465. Many landlords and sellers do not take cards at all for these amounts. Rates move daily: see the live Argentina dollar rate, card dollar vs crypto dollar and CacaoCash fees.

Common large payments, case by case

Rent deposit: often asked in pesos to the owner's or agency's CBU, sometimes in USD cash. Pay against a signed contract. More in how to pay rent in Buenos Aires as a foreigner.
Car rental: the security deposit is usually a hold on a credit card, which a peso transfer cannot replace. Bring a credit card for the hold; the rental itself can sometimes be paid by transfer.
Medical bills: private clinics usually take cards and transfers. Ask for the factura, which you will need for a travel insurance claim.
A used car: prices are often in USD and many sellers want cash. Close the deal at the registry with the transfer paperwork, and never hand over money before the papers are checked.
A course or long stay: schools and coworkings usually invoice in pesos and accept a transfer to their CBU.

Frequently Asked Questions

Is there a transfer limit in Argentina?

Yes. The BCRA caps immediate transfers at 15,000 UVA per day per account in pesos (≈ARS 32 million in October 2026) and US$12,500 or €12,500 in foreign currency. Banks and wallets set their own, often lower, limits, which you can usually raise on request.

Can I pay a large amount in cash in Argentina?

In practice, yes, and USD cash is common for cars and some rentals. Legally, payments above ARS 1,000 should go through banking means to have full effect, so for anything with a contract, get a signed receipt or pay by transfer.

Will the person I pay have problems with their bank?

They may be asked to justify a large incoming transfer. A contract, invoice or receipt usually settles it. Agree on the method and amount with them in advance.

How do I pay a deposit in Argentina without a DNI?

Pay USD cash against a receipt, wire dollars to the recipient's bank, or send pesos to their alias or CBU from an app that works with a passport, like CacaoCash. Large payments may require extra verification or documentation.

Is it better to pay a big bill by card or by transfer?

A foreign card converts at the non-resident rate (≈1,465 in October 2026), so the same peso amount costs ≈6% to 10% more than with CacaoCash, and many sellers do not take cards for large amounts.

Have the money ready before the day

Fund your USD balance early, agree on the method with the recipient and keep the paperwork at hand. Then the large payment is one transfer to an alias. Get CacaoCash.

Checked October 2026.

Sources

BCRA: limits of immediate transfers (15,000 UVA per day in pesos, US$/€12,500 in foreign currency, temporary increases on request).
UVA daily series (ARS 2,150.53 on 11 October 2026).
Blog del Contador: ARCA raises the reporting thresholds for banks and wallets (RG 5699/2025, May 2025).
iProfesional: the anti-evasion law and cash payments above ARS 1,000 (Law 25,345, amount never updated).
Chamber of Deputies, bill 5727-D-2025 (proposal to update the Law 25,345 cash threshold, not passed).