What exactly is CacaoCash?

CacaoCash is a digital wallet built for people who travel or live in Latin America. It lets you pay with the QR codes locals use every day — Pix in Brazil, Mercado Pago in Argentina, and more — using money you load from abroad. No local bank account, no cash runs, no bad exchange rates.

How do I add money to my wallet?

Several ways — whatever's easiest for you: • ACH or SEPA bank transfer • Credit or debit card • SWIFT bank transfer • Crypto deposit (USDC and other major assets — paste your address or scan from any wallet) You'll always see the exact rate and any fees before you confirm. No surprises.

Do I need to verify my identity?

Yes, once. It's a quick in-app process — a photo of your ID and a selfie. It keeps your account secure and lets us work with regulated financial partners across the region. Most people finish in under 3 minutes.

What if a payment is pending, fails, or I get a refund?

Pending payments usually clear on their own within minutes. If a payment fails, your balance is returned immediately. Refunds land straight back in your wallet — no waiting, no friction. If anything ever looks wrong, our support team is one message away.

Are there hidden fees?

Never. Before every single payment, you'll see: • The exact amount being charged • The live exchange rate • Any applicable fees What you approve is exactly what leaves your wallet. That's a promise.

How do I know my money is safe?

CacaoCash is non-custodial — your funds are never pooled with anyone else's and every transaction requires your explicit approval. Identity verification and money movement are handled by licensed, regulated partners. You stay in control at all times.

Which countries are live?

CacaoCash is live today in: • 🇦🇷 Argentina — Mercado Pago QR Coming soon: • 🇧🇷 Brazil — Pix • 🇨🇴 Colombia • 🇵🇪 Peru — Yape

I lost my phone. What happens to my money?

Nothing bad. Your account is tied to your identity, not your device. Just install the app on a new phone, sign in, and everything is exactly as you left it — balance, transaction history, all of it.

Does Revolut Work in Argentina? Yes, With Two Gaps (2026)

Yes, Revolut works in Argentina. Your Revolut Visa or Mastercard is accepted in most shops, restaurants and supermarkets, contactless and Apple/Google Pay included, and it withdraws pesos at most ATMs. What Revolut cannot do in Argentina is pay a QR code or send a peso transfer to an alias, CBU or CVU, and every payment converts at the card rate, which sits a few percent below the rate locals actually use. Here is exactly where it works, where it fails, and what to pair it with.

Where Revolut works in Argentina

Card payments in person. Any merchant with a Posnet or card terminal takes it. Big supermarkets, chain restaurants, pharmacies, hotels, fuel stations.
Contactless and phone wallets. Apple Pay and Google Pay with your Revolut card work wherever contactless is accepted, which is most of Buenos Aires.
ATM withdrawals. Banelco and Link ATMs accept foreign Visa and Mastercard. Expect a local operator fee of about US$8 to US$12 per withdrawal and a low cap per transaction, neither of which Revolut controls.
Online purchases on Argentine sites that accept international cards (airlines, some ticketing, Uber, Cabify).

Where Revolut does not work

QR codes. Argentina runs on QR (Mercado Pago, MODO, bank QRs). Revolut cannot scan or pay them. Many cafes, kioscos, markets, taxis and small shops are QR-only or QR-first.
Peso transfers. Rent, a landlord, a friend, a freelancer, splitting a bill: Argentines pay each other by transfer to an alias, CBU or CVU. Revolut has no ARS account and cannot send a local transfer.
Holding pesos. Revolut does not offer an ARS balance. Everything is a card conversion at the moment of payment.
Mercado Pago top-ups. You cannot fund a Mercado Pago account with Revolut, and without a DNI you cannot open one anyway. See Mercado Pago for foreigners.

The rate: the part that actually costs you

Revolut's own FX pricing is excellent: interbank rate on weekdays, a small weekend markup, and generous free allowances. The problem is not Revolut's fee. It is which dollar Argentina applies to a foreign card.

Argentina has several dollar rates. Foreign cards settle close to the official rate, around 1,530 ARS per USD in September 2026. The crypto dollar, the rate stablecoins trade at locally and the one residents use for their own dollars, is around 1,580. That is about 3% more pesos for the same dollar before any fee, and closer to 5% once you count a typical issuer FX fee or weekend markup. Rates move daily: see today's Argentina dollar rate.

Two years ago the gap was 10% or more. It has narrowed a lot under the current government, so the rate alone is no longer a reason to avoid your Revolut card for a supermarket run. The reason to add a second tool is coverage: QR and transfers, which is where a large share of daily spending happens.

Revolut vs a USD wallet that pays pesos

In Argentina	Revolut card	CacaoCash
Card terminals (shops, restaurants)	Yes	No card, pay the merchant's QR instead
Mercado Pago, MODO and bank QRs	No	Yes, any QR
Send pesos to alias, CBU, CVU	No	Yes
Rate applied	Card rate, ~1,530	Crypto dollar, ~1,580
ATM cash	Yes, US$8-12 fee per withdrawal	Not needed for most spending
Needs DNI or local bank	No	No

The practical setup

Keep Revolut for card terminals, online bookings and the rest of your trip through Latin America.
Add a USD wallet that pays QR and transfers. CacaoCash holds dollars and converts only what you spend, at the crypto dollar rate, when you scan a QR or send pesos to an alias. Passport only, no DNI, no Argentine bank. Walkthrough: how to pay QR codes without a DNI.
Skip ATMs where you can. Between QR and transfers you rarely need cash. When you do, this guide covers the cheapest options.

Comparing both cards? See Wise vs Revolut in Argentina and the standalone Wise in Argentina guide.

Frequently asked questions

Does Revolut work in Argentina in 2026?

Yes. Revolut cards work at card terminals, for contactless and phone wallets, and at most ATMs. They cannot pay QR codes or send peso transfers.

Can I pay Mercado Pago with Revolut?

No. Mercado Pago QRs need a Mercado Pago account or a wallet that can pay Argentine QRs. Revolut cannot scan them, and you need a DNI to open a Mercado Pago account.

What exchange rate does Revolut give in Argentina?

Revolut converts at its interbank-based rate, but the peso side is settled at the card rate Argentina applies to foreign cards, close to the official rate (around 1,530 ARS per USD in September 2026). The crypto dollar is around 1,580, about 3-5% better once fees are counted.

Should I bring cash instead of relying on Revolut?

Bring a small amount for kioscos and tips. For everything else, a card plus a wallet that pays QR and transfers covers Argentina without cash. See how to travel Argentina without cash.

Does Revolut charge ATM fees in Argentina?

Revolut's own ATM allowance applies, but Argentine ATM operators add a fixed fee of about US$8 to US$12 per withdrawal that no foreign card avoids.