Moving to Argentina as a remote worker or freelancer comes with plenty of advantages, especially when it comes to flexibility and lifestyle. Receiving international payments and managing your finances requires a clear knowledge. This guide walks you through how to receive freelance payments, use crypto, and handle banking as a foreigner in the country.
How Money Moves in Argentina
Argentina uses the Argentine peso (ARS) as its official currency. If you’re a freelancer or remote worker who prefers to handle your international earnings using global financial services for convenience and broader compatibility.
Here’s what you should know to manage your financial situation:
- International clients typically pay in stable currencies like USD or EUR.
- Local traditional banking systems are primarily designed for established residents, so newcomers often find international fintech apps or digital tools more accessible for initial money management.
- Many foreigners choose to receive their payments abroad and then convert or access funds locally using various digital platforms. This approach ensures you have control over how and when to access your earnings efficiently
Source: (Expat Network, 2025).
How to Make Your Payments as a Freelancer in Argentina
Here’s the process for managing your international income effectively while living in Argentina:
Step 1: Move Funds into Argentina Using Digital Tool Once You Received Your Funds: To convert your money into Argentine pesos locally, many freelancers and nomads rely on two common and efficient ways:
- Crypto Wallets and P2P (Peer-to-Peer) Platforms: Using stablecoins is a popular method to convert foreign currency into pesos:
- Receive payment in stablecoins: You can ask clients to pay you directly in stablecoins (like USDT or USDC), which are cryptocurrencies tied to the value of a stable asset like the US dollar.
- Sell via Peer-to-Peer (P2P) on platforms like Binance: These platforms allow you to sell your stablecoins directly to other users in Argentina. In exchange, they will transfer Argentine pesos to your local bank account, or a local fintech app (like Ualá or MercadoPago).
- Choose trusted buyers: On P2P marketplaces, always select buyers with high ratings and a strong track record of fast and reliable processing times. This is widely used, offering a flexible and often same-day method to access pesos from your international earnings
Sources: (Binance P2P Guide, 2025) (Lemon Cash Support, 2025).
- Multi-Currency Platforms with Local Integration Services like Airtm or specific features within crypto platforms (like Lemon Cash or Belo) help bridge the gap between international balances and local pesos:
- Link international platforms: You can connect these services with your Payoneer, Wise, or crypto wallet directly.
- Withdraw to local accounts: Withdraw funds to your Argentine bank account (if you have one), or send pesos to popular local fintech wallets like Ualá or MercadoPago. These local apps often provide prepaid cards for everyday spending and QR code payments. These services are useful for freelancers who prefer a straightforward, app-based interface for managing transfers and everyday expenses
Sources: (Airtm Help Center, 2025) (Belo App, 2025).
Banking as a Foreigner in Argentina
Opening traditional banking services in Argentina varies significantly depending on your immigration status.
If You Have Residency (Temporary or Permanent) and you possess a valid DNI (Argentine ID) obtained through temporary or permanent residency, you are eligible to open a standard Argentine bank account. Usually, these are the requirements:
- Valid passport
- DNI (Argentine National Identity Document)
- CUIL or CUIT (tax ID number obtained with your DNI or separately through AFIP)
- Proof of local address
Source: (Banco Galicia Foreigner Accounts, 2025).
If You Are Visiting on a Tourist Visa you are not yet a resident (e.g., on a tourist visa or a Digital Nomad Visa without full DNI processing), opening a traditional bank account is generally not permitted. But here’s what you can do:
- International fintech platforms: Continue to use these services to store and manage your international funds.
- Crypto wallets: Utilize these for receiving and converting payments into pesos via P2P.
- Local fintech apps: These often allow non-residents to create basic accounts linked to a foreign passport, providing a virtual wallet, prepaid debit card access, and QR code payment functionality for daily expenses
Sources: (Ualá Support, 2025) (MercadoPago Help, 2025).
Using Crypto in Argentina in 2025
Crypto is widely used in Argentina by both locals and foreigners for its convenience and accessibility. It is legal to own and trade, and stablecoins like USDT or USDC are particularly popular for handling international transactions and preserving value.
What you can do with cryptos:
- Get paid in crypto by clients: A direct way to receive foreign-sourced income.
- Convert crypto to pesos: Easily use P2P marketplaces on platforms like Binance, Lemon, and Belo to sell stablecoins for Argentine pesos.
Spend locally: Many local fintech apps offers prepaid debit cards that link directly to your crypto balance, allowing you to spend crypto by converting it to pesos at the point of sale via card swipe or QR code payments.
Managing foreign currencies in Argentina in 2025 is really easy
Freelancers and remote workers in Argentina have more tools than ever in 2025 to manage international payments, access funds, and work globally while living locally. Whether you’re using crypto, fintech apps, or digital wallets, stick with what gives you the most flexibility and ease of use.
There are a lot of ways to get paid, but by combining reliable international platforms like the ones we mentioned with robust local solutions like crypto P2P exchanges and fintech apps, you’ll have full control over your freelance income, without unnecessary hassle or complex steps.
Argentina is welcoming you to a place to live and work remotely, and you’ll enjoy your time here even more
