Use this page to work out what kind of account you need, which ID or tax number may be requested, and what evidence a bank will want before it accepts local or cross-border funds.
BCRA sets the framework, but each bank still applies its own onboarding, compliance, and risk controls.
| Account type | Usually used for | Main watch-out |
|---|---|---|
| ARS savings account | Personal payments, debit card use, transfers, and routine domestic expenses | Bank still controls identity, address, and KYC review |
| Cuenta gratuita universal | Free peso savings account for people who have no other bank account | BCRA currently requires a DNI and a declaration that the applicant has no account at another bank |
| Business current account | Company collections, payments, payroll, suppliers, and formal operations | Expect company, CUIT, representative, beneficial-owner, and activity evidence |
| USD or FX-enabled account | Holding, receiving, or transferring foreign currency where permitted | Extra criteria, FX rules, tax support, and source-of-funds checks are common |
Ask the bank exactly which ID, tax number, and address proof it accepts for your profile.
Assemble source-of-funds evidence before receiving salary, investment, sale, loan, or crypto-related proceeds.
Confirm limits, fees, product restrictions, and transfer timing with a small operation first.
Keep contracts, invoices, exchange receipts, and tax filings because later compliance reviews can ask for history.