Send Money to Argentina — SWIFT, CBU/CVU & CUIT: Simple 2025 Guide

Quick answer

Transfers to Argentina are straightforward if you choose the currency up front, use the correct bank identifiers, and submit before cut-offs. Argentina does not use IBAN; banks rely on a CBU (22-digit bank account ID) or a CVU (virtual account ID). For compliance, the recipient’s CUIT/CUIL is commonly used to match the account holder. Most cross-border credits arrive via SWIFT in USD or EUR and may be converted to ARS depending on the account setup and local rules.

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What’s specific about Argentina (in plain English)

Identifiers. You will typically need: beneficiary legal name as on the account; bank name; SWIFT/BIC; CBU or CVU; sometimes a branch name/address; and a short, precise purpose of payment. Using an IBAN placeholder slows posting.

Tax IDs. Companies use CUIT; individuals use CUIL (or DNI shown to the bank). When provided correctly, screening and reconciliation go faster.

Currency choices. Decide where conversion happens (before dispatch or on arrival). Ask your provider for the all-in rate and the expected net amount on account.

Preparation that saves days

Assemble a small, bank-ready pack: your ID; proof of address; a simple contract or invoice; and, for larger amounts, source-of-funds evidence (salary, dividends, sale of asset). Keep file names consistent (e.g., “passport.pdf”, “invoice_2025-0142.pdf”) and put everything in one thread when you share proofs.

Five practical routes to use in 2025

1) SWIFT USD with conversion on arrival. You send USD; the receiving bank credits the recipient in ARS or holds USD if the account supports it. Confirm the expected net figure and who covers charges.

2) SWIFT EUR with conversion on arrival. Same logic for euro treasuries. Decide whether the bank converts at receipt or the recipient manages conversion later.

3) Pre-convert and send local currency (where supported). Some providers can settle ARS domestically. If available, pre-convert at a transparent spread and wire ARS to remove FX uncertainty. Check limits and eligibility before you rely on this path.

4) Same-currency credits (USD→USD / EUR→EUR). If the recipient holds foreign-currency balances legally, paying like-for-like can avoid conversion. In that case, fees dominate the total cost.

5) One clean inbound → multiple local payouts. For businesses, funding a single inbound transfer and allocating domestically the same day reduces cross-border admin and per-payment fees.

Costs & FX — what actually matters

Your real price is the combination of explicit fees and the FX gap vs the market rate. For same-currency credits, fees dominate. For USD/EUR→ARS, the FX rate is the main lever. Compare routes on the net amount on account — not on headline fees.

Timing & predictability

Delivery depends on cut-offs, screening and message quality. Avoid late-day submissions near weekends or public holidays on either side. Keep your subject lines and wording consistent with the documents, and share standard proof immediately after sending.

Recipient details checklist (Argentina)

Beneficiary legal name; bank name; SWIFT/BIC; CBU or CVU (22 digits); account currency (USD/EUR/ARS); and a short purpose of payment. If requested, include branch details and the beneficiary’s CUIT/CUIL.

Common pitfalls — and quick fixes

Using IBAN. Argentina doesn’t use IBAN. Fix: provide CBU/CVU + SWIFT.

Long narratives in the reference. They slow posting. Fix: keep it short and specific.

Name/number mismatches. Minor spelling errors trigger manual review. Fix: copy the data exactly as on file.

Unplanned FX. Mid-route conversion creates surprises. Fix: decide where conversion happens and note the expected net amount.

Reusable scenarios

Paying a supplier or studio in Argentina. If invoiced in USD/EUR, pay that currency and agree how ARS conversion (if any) will be handled. If invoiced in ARS, compare pre-conversion vs conversion on arrival.

Education, rent or family support. If spending is in ARS, stabilise the outcome by pre-converting (where supported) or asking the bank for the expected credit after costs.

Professional retainers. Schedule monthly SWIFT with a consistent short reference; send early to hit value date.

One-page checklist (save it)

1) Choose currency and where FX happens. 2) Confirm all-in price (fees + rate). 3) Validate CBU/CVU, SWIFT and name. 4) Draft a short reference. 5) Send early and share proof in the same thread.

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How we help

VelesClub Int., together with our partner UNIBROKER, focuses on clear routes, transparent pricing and timing that fits your plan — so Argentina-bound payments land cleanly and on time.