Send Money from Argentina to Spain: Pesos to Your IBAN (2026)

If you are Argentine and live in Spain, the simplest way to send money from Argentina to Spain is CacaoCash: you sign up with your Argentine DNI, the app gives you your own CVU, anyone can transfer pesos to it from any Argentine bank or wallet, the pesos become dollars automatically, and you withdraw them as euros to a Spanish IBAN in your name by SEPA, instantly, with a 0.5% fee.

This guide explains who can use this route, how it works step by step, what it costs with dated figures and what it does not do. If what you need is the opposite direction, read how to send money to Argentina from Spain.

Who this is for

• You rent out a flat in Argentina and want the rent in your Spanish account. The tenant transfers the pesos to your CVU.
• You have savings in pesos in an Argentine bank or in Mercado Pago and want to move them to Spain.
• Your family sends you money or pays you back something you covered from Spain.
• An Argentine client pays you in pesos for work you did from Spain.

The requirement: you sign up with your Argentine DNI. That is what gives you a CVU of your own to receive pesos. Foreigners who verify with a passport can send pesos to Argentina but cannot receive them.

How to send money from Argentina to Spain, step by step

1. Download CacaoCash and verify with your Argentine DNI. It takes a few minutes. The app opens a CVU in your name.
2. Share your CVU or alias. Whoever is paying you (you from your own Argentine bank, your tenant, your family) makes a normal local transfer in pesos to it. If you are not sure what each code is, read alias, CVU and CBU explained.
3. The pesos become dollars. The conversion is automatic and your balance is held in dollars until you withdraw.
4. Withdraw euros to your IBAN. Choose the euro withdrawal, enter your Spanish IBAN (it must be in your name) and the amount. The app shows the euros that arrive before you confirm.
5. The euros arrive instantly. The withdrawal goes by SEPA Instant to your account at BBVA, Santander, CaixaBank, ING or any Spanish bank.

How much it costs

The withdrawal to your IBAN has a 0.5% fee, and the dollars are converted to euros at the market rate with a margin close to 0.5%, the same one applied when you load euros. The app shows the exact amount before you confirm.

The pesos you receive become dollars at the crypto dollar rate, which on 8 November 2026 was 1,656.63 pesos per dollar (selling price). So, from pesos received to euros in your IBAN:

Assumptions: crypto dollar 1,656.63 pesos (selling price, 8 November 2026, dolarapi.com), EUR/USD 1.1165 (ECB, 6 November 2026), conversion margin ≈ 0.5% and withdrawal fee 0.5%. The rate moves every day: the app shows the exact figure before you confirm.

If you already have dollars in your balance, the withdrawal works like this:

Assumptions: EUR/USD 1.1165 (ECB reference, 6 November 2026), conversion margin ≈ 0.5% and withdrawal fee 0.5%. To see the different dollar rates in Argentina, compare card dollar vs crypto dollar and check today's Argentina dollar rate.

Other ways to move money from Argentina to Spain

• Wise. As of November 2026, its help center says it cannot send money from Argentine pesos. Sending pesos to Argentina does work.
• Western Union Argentina. Sends from Argentina to Spain, to a bank account or as cash pickup, paying by bank transfer or card. Fees and rate depend on the amount and the payment method: check the final euros in its app before sending.
• International transfer from an Argentine bank (SWIFT). You need a dollar account and the bank charges its own fees, plus intermediary banks. It usually takes several days. Each bank publishes its fees.

With CacaoCash the euros arrive by SEPA Instant and you see the amount before confirming, with no counter and no SWIFT.

What this route does not do

• It only withdraws to an IBAN in your own name. To give money to someone else in Spain, withdraw to your account and transfer from your bank.
• It does not pay out cash in Spain.
• Foreigners verified with a passport do not get a CVU, so they cannot receive pesos.
• For taxes on income from Argentina (rent, savings, inheritance), talk to an accountant.

Frequently asked questions

Can I send money from Argentina to Spain with CacaoCash?

Yes, if you are Argentine and sign up with your DNI. You receive pesos in your own CVU, they become dollars, and you withdraw them as euros to a Spanish IBAN in your name.

How long does the withdrawal to my Spanish account take?

It is instant: it goes by SEPA Instant to your Spanish account.

How much does it cost to withdraw euros?

0.5% of the withdrawal, plus a conversion margin close to 0.5% from dollars to euros. Pesos become dollars at the crypto dollar rate. The app shows the euros that arrive before you confirm (November 2026).

Can my tenant pay me the rent directly?

Yes. Give the tenant your CVU or alias and they transfer the pesos like any local transfer. Then you withdraw the euros to your IBAN whenever you want.

Can I send the euros to a family member's account in Spain?

No. The withdrawal goes only to an IBAN in your name. From there you can transfer to anyone from your bank.

Do you also send money the other way? Calculate how many pesos arrive from Spain (page in Spanish).