Who hasn't wanted to send money quickly and safely to a friend or family member in Argentina? If you're part of the Latin American community in Europe, you know that sending money to Argentina can be a complicated task if you don't have prior knowledge about safe and convenient methods to do so.
The Argentine economy, with its exchange rate particularities and specific regulations, presents unique challenges for remittances. There are many available options: bank transfers, specialized services, electronic wallets, and modern digital platforms. Each offers its own advantages and disadvantages.
In this updated guide for 2025, we break down the different ways to send money to Argentina so you can choose the best option according to your needs, always prioritizing transparency in exchange rates and the security of your money.
The reality of exchange rates: don't get fooled when sending money to Argentina
Why is the exchange rate so important?
Argentina presents a complex exchange system with multiple official and parallel exchange rates. To send money to Argentina, it's crucial to understand that an exchange rate with markup can force you to pay considerably more for the same amount of pesos you want to send to your family.
Real example that will hurt:
Suppose your family needs exactly 800,000 Argentine pesos for their monthly expenses:
With real EUR/ARS exchange rate: 1,580 pesos per euro
- You need to send: €506.3
- Total cost: €500 + commission
With fake exchange rate (5% markup or surcharge margin): 1,501 pesos per euro
- They give you only 1,501 pesos per euro
- You need to send: €533 for them to receive the same 800,000 pesos
- They're charging you €27 extra per transfer
If you send money to Argentina every month, that's €324 per year they're taking from your pocket just for being opportunistic.
The real exchange rate: what to look for in 2025
How to verify the market exchange rate in 2025
To get the best exchange rate, you must first know the real market rate:
Reliable sources:
- Google: Search "EUR to ARS"
- XE.com: Real-time exchange rates
- European Central Bank: Official exchange rates
- Yahoo Finance: Updated financial data
Golden rule: If a company doesn't give you the exchange rate you see on Google, get out of there.
What "0% markup" means
When a platform offers 0% markup, it means they give you exactly the exchange rate you see on Google or in international financial markets, without adding any additional margin in their favor.
Advantages of 0% markup:
- Total transparency in costs
- More money for your family
- Cheaper for you
- Trust in the service
Available options to send money to Argentina
Traditional bank transfers
Bank transfers are one of the most traditional and intuitive ways to send money to Argentina. This implies that the sender transfers funds directly from their bank account to the recipient's bank in Argentina.
Advantages:
- Established and regulated security
- Ideal for large amounts
- Integration with your usual bank
- Official recognition
Disadvantages:
- Longer processing time (3-5 business days)
- Unfavorable exchange rate (up to 5% markup)
- High commissions (€25-40 per transfer)
- Possible hidden fees when receiving money
- Complex banking procedures
Electronic wallets and digital wallets
Electronic wallets are a practical and increasingly popular way to transfer funds to Argentina.
Advantages:
- Convenience and speed
- Advanced digital security
- No need to visit physical offices
- Mobile app integration
Disadvantages:
- Amount limitations
- Dependence on Argentine digital infrastructure
- Possible regulatory restrictions
- Variable exchange rates
Modern digital platforms: the evolution of money transfers
The fintech revolution in remittances
Digital money transfer services represent an excellent alternative for those who need to send money to Argentina from Europe quickly and economically. These platforms generally offer competitive rates and fast processing speeds, ideal for users with limited budgets and urgent needs.
Main characteristics:
- Real-time processing
- Competitive exchange rates
- Intuitive interfaces
- Customer service
- Total cost transparency
How specialized platforms work
Modern platforms operating in the European market allow users to transfer money from one bank account to another in a matter of minutes, regardless of geographical distance. They are designed to be accessible to anyone, regardless of their level of technology experience.
Sendity: transparency and real exchange rate
Look, I could sell you smoke here, but I'm going to speak to you seriously. Our philosophy is simple: we're not going to screw you when sending money to Argentina.
Our main differentiator is the commitment to 0% markup on the exchange rate.
Key advantages of Sendity over the competition:
✅ Real exchange rate without markup (0%)
- Uses exactly the market rate you can verify on Google
- Doesn't add hidden commissions to the exchange rate
- Total transparency in each transaction
✅ Clear and fixed commissions
- Transparent rate shown before confirming
- No surprises or additional charges
- What you see is exactly what you pay
✅ Fast and secure transfers
- Processing in 24 to 48 hours
- Transfer tracking from the platform
✅ Personalized and human support
- Support in your language via WhatsApp and email
- Human agents, not chatbots
How to verify you get the best cost for your transfer
When comparing between various companies, it's very easy to get confused about the total cost of the transfer because there are many distractors, hidden commissions in the exchange rate, zero commission promotions or exchange rate offers on the first transfer. Below we explain how to effectively compare between one company or another to check the REAL COST of your transfer:
Step-by-step verification process
- Compare simultaneously between two or more transfer apps
- Enter the amount you want your family to receive in Argentine pesos. At this point it's essential to compare according to what they receive in pesos and not what you send in euros because this way you'll avoid hidden commissions in the exchange rate
- Do the same on each of the platforms you compare
- Calculate the total to pay in euros with each of the transfer companies
- Compare the results and choose the platform that offers you the lowest cost for your transfer, not just on your first transfer but on all your regular transfers
At this point it's very important that you take into account if the transfer apps are offering you a "special" exchange rate, discounts or free commissions for being your "first transfer". You can take advantage of the offers, but remember that the goal is to find a reliable long-term option.
The difference in user experience
Why do users prefer Sendity?
- Predictability: You knew exactly how much your family would receive
- Trust: No surprise changes in rates or exchange rates
- Simplicity: Intuitive process without complications
- Real support: People who understand the needs of the Latino community
The questions we always get asked
What's the cheapest way to send money to Argentina?
Digital platforms like Sendity will always be cheaper than traditional banks. But be careful, always compare the total cost, not just the commission.
How long does it take for money to arrive in Argentina?
- With Sendity: 24 to 48 hours on business days
- Traditional banks: 3-5 business days
- Traditional services: 1-2 business days
Important note: If you send money on a Friday, your family will have it on Monday or Tuesday. Argentine banks don't work weekends or holidays.
What information do I need from the beneficiary in Argentina?
To send money to Argentina you'll need:
- CBU (Uniform Banking Code) of 22 digits from the destination account
- Full name of the holder as it appears at the bank
- Argentine DNI number
- Name of the receiving bank
Is it safe to send money to Argentina over the internet?
Yes, but only with regulated companies. We have European licenses and comply with all regulations here and in Argentina.
How to verify if a company is trustworthy:
- That it has valid European financial licenses
- That it appears in official records
- That it has several contact methods
- Verified user opinions on social networks or others
Can I cancel a transfer to Argentina once confirmed?
This depends on the platform and the status of the transfer:
- Before processing: Generally can be canceled at no cost
- In process: May require contacting support, possible fees
- Already sent: Typically cannot be canceled
What happens if I enter the wrong CBU or beneficiary data?
If you enter incorrect data:
- Invalid CBU: The system usually detects it before processing
- Valid CBU but wrong account: The money may go to another person
- Incorrect beneficiary data: The bank may reject the transfer
It's crucial to verify all data before confirming the transfer.
Are there limits to send money to Argentina?
Yes, there are limits that vary according to:
- The platform used: Each service has its own limits
- Local regulations: Both European and Argentine
- Your verification level: Verified users have higher limits
Does the recipient in Argentina have to pay anything to receive the money?
In most cases, no. However:
- Some Argentine banks may charge commissions for receiving international transfers
- It's recommended to consult with the receiving bank before the first transfer
- Serious platforms clearly specify if there are charges for the recipient
The final truth: how to choose the best company to send money to Argentina
We obviously recommend Sendity. But beyond that, here are the tips for choosing a money transfer service well:
What you SHOULD look for:
- Total transparency: That they show you everything before confirming
- Real exchange rate: The same one you see on Google
- European regulation: Valid and verifiable licenses
- Support in your language: That they understand your problem
- Clear timelines: No ridiculous promises
Warning signs:
- "First transfer free!" (then they charge you double)
- They don't show you the exchange rate until the end
- "Best market rate" without specifying which one
- They don't have physical offices or clear contact information
- They ask for strange or excessive data
The golden advice on how to send money to Argentina
Every peso counts. With the situation in Argentina, every time you send money, you want the largest amount possible to arrive. Don't be fooled by fake promotions or "special" exchange rates that later disappear.
Always do the math. It doesn't matter if it's your first transfer or number 50, always verify that you're getting a good deal.
Choose transparency. At the end of the day, you want to sleep peacefully knowing that your family will receive the money without surprises.
Ready to send money without getting scammed?
If you made it this far, you already know more than 90% of Argentines in Europe about how to send money home. The decision is yours: you can continue paying more with banks or fall into the traps of opportunistic companies, or you can choose transparency and fair prices.
BUTTON: CREATE MY FREE SENDITY ACCOUNT
