CacaoCash Limits: How Much You Can Send and Deposit (2026)

CacaoCash limits (November 2026): you can send up to 3,000,000 pesos per transfer or QR payment, 6,000,000 pesos per month and 20,000,000 pesos per year. At the 9 November rate that is about US$1,881 per send, US$3,762 per month and US$12,539 per year. Bank deposits have their own rules by currency, and the app always shows the limits that apply to you.

This guide is for people who already know CacaoCash and want the numbers before they download it or load money. It lists the peso limits, what changes each deposit currency, and what to do if your payment is bigger. CacaoCash is not a bank, and the limits are subject to our banking provider, so they can change. For how the money moves, read how CacaoCash works.

CacaoCash limits in pesos: per send, per month, per year

The same limits apply to QR payments and to transfers to an alias, CBU, CVU or Mercado Pago account. They are measured in pesos, so what they are worth in dollars or euros moves with the exchange rate.

Limit	Pesos	Dollars (≈, 9 Nov 2026)
Per send (QR or transfer)	3,000,000	≈ US$1,881
Per month	6,000,000	≈ US$3,762
Per year	20,000,000	≈ US$12,539

Assumptions: 1 USD ≈ 1,595 pesos that arrive, with the 2.5% fee included, on 9 November 2026 (crypto dollar rate). Limits as of November 2026. The rate changes every day, and the app shows the exact pesos before you confirm.

In practice, the monthly cap equals two sends at the maximum size. Using the full monthly amount every month would reach the yearly cap during the fourth month, so if you plan a long stay, think in terms of the annual number.

Deposit limits and rules by currency

You load CacaoCash by bank transfer to your own virtual account (or with crypto). Each currency has its own rules, which come from the banking provider documentation (October 2026). Euro deposits go to a Luxembourg IBAN in your name issued by Banking Circle.

Currency	Minimum	Maximum	From someone else
USD (ACH or wire)	No minimum	No maximum	Only from a registered company, a relative with your same surname, or person to person under US$4,000
EUR (SEPA)	€1	No maximum	Individuals no (rejected and returned), companies yes
GBP (Faster Payments)	£2	No maximum	Individuals no, companies yes
MXN (SPEI)	50 MXN	1,000,000 MXN per transfer from your own account	Up to 15,000 MXN from another person, companies no limit
COP (Bre-B)	100 COP	11,552,000 COP per transfer	Individuals no, companies yes

Assumptions: figures from the banking provider documentation, October 2026. They can change. USD deposits are not accepted from senders in New York or Texas. Mexican transfers may pause during a maintenance window on Thursdays from 06:00 UTC, up to 2 hours.

The simplest rule: send from a bank account in your own name. Euros and pounds convert to dollars (USDC) at about 0.5% below the market rate, and USD arrives in full. Step-by-step loading guides: USD by bank transfer and EUR by SEPA.

What if I need to pay more than 3,000,000 pesos?

A single send cannot go above 3,000,000 pesos. For a deposit on an apartment, a medical bill or a large purchase, you can split the payment across several sends, as long as the monthly and yearly totals allow it, and plan the timing. The options are explained in large peso payments in Argentina as a foreigner. If the other side also uses Mercado Pago, its own caps matter too: see Mercado Pago transfer limits in Argentina.

What the limits do not change

The fee does not depend on the amount: it is 2.5% on sends and QR payments, shown before you confirm. Details on the fees page.
Your balance stays in USDC in a wallet in your name. CacaoCash does not hold your funds, and you can export the wallet whenever you want. The peso limits apply to sending, not to what you keep in the app. More in is CacaoCash safe.
Verification does not change the amounts: foreigners use any valid passport, Argentines use DNI or passport.

What CacaoCash does not do

It is not a bank and does not open Argentine bank accounts.
It does not let foreigners receive pesos: the app does not give them an alias or CVU. Argentines verified with DNI or an Argentine passport get their own CVU.
It does not guarantee that a limit stays the same: they depend on our banking provider and can change. The app shows the current ones.

To see how the sending cost compares with a foreign card, read card dollar vs crypto dollar and check today's figure on the Argentina dollar rate page. If you are new to alias, CBU and CVU, start with alias, CVU and CBU explained, and for the whole process read how to send pesos in Argentina as a foreigner.

Frequently Asked Questions

What is the maximum I can send with CacaoCash?

3,000,000 pesos per send, 6,000,000 per month and 20,000,000 per year (November 2026). That is about US$1,881, US$3,762 and US$12,539 at the 9 November rate.

Do the limits apply to QR payments too?

Yes. QR payments and transfers to an alias, CBU, CVU or Mercado Pago account count toward the same per-send, monthly and yearly limits.

Is there a minimum deposit?

It depends on the currency: €1 for euros, £2 for pounds, 50 MXN, 100 COP. The app shows the current limits.

Can someone else send money to my CacaoCash account?

For euros and pounds, only companies. For USD, only a registered company, a relative with your same surname, or a person under US$4,000, and Mexican transfers from another person are capped at 15,000 MXN. Own-name transfers are the safest route.

Can the limits change?

Yes. They are subject to our banking provider. The app always shows the current limits, so check there before a large payment.

Does CacaoCash hold my money while I stay under the limits?

No. Your balance is USDC in a Solana wallet in your name, and you can export it from the app whenever you want. CacaoCash does not have custody of your funds.

Planning a payment in pesos? See how many pesos arrive before you send.