Open an account in Argentina with a CUIL only (2026)
8 services open with a CUIL/CDI and no DNI. Bybit Card ranks highest among them.
Last updated 15 August 2026 · oldest check 19 June 2026
Data reviewed by Ilya ChernetskiyFounder and editor, nomoneda
What this document is
Also known as: CUIL · CUIT · CDI
A CUIL (Código Único de Identificación Laboral) is the identifier ANSES issues for work and social security. A CDI is its equivalent for people who do not work locally. Either is enough for the services below — no residency document required.
How to get it
- 01Book a turno with ANSES online, or use a branch that takes walk-ins.
- 02Bring your passport and, where asked, a local proof of address.
- 03The constancia de CUIL is normally issued the same day and can be downloaded as a PDF afterwards.
What it will not get you
A CUIL alone rarely unlocks credit. Expect debit and prepaid products, ARS and USD balances where offered, but not a local credit card — and some banks re-ask for a DNI when you cross their internal limits.
What you can open
- 1
High cashback
- 2
- 3
No DNI required
- 4
- 5
No DNI required, incoming SWIFT
- 6
No DNI required
| Service | Docs needed | Score | Holds USD | USD APY |
|---|---|---|---|---|
| Bybit Card | Precaria+CUIL | 71 | Yes | — |
| BBVA | Precaria+CUIL+Monotributo | 66 | Yes | — |
| Prex | Precaria+CUIL | 64 | Yes | — |
| Banco de la Nación Argentina(BNA) | Precaria+CUIL | 61 | Yes | — |
| Banco Santander | Precaria+CUIL | 61 | Yes | — |
| Banco de Galicia | Precaria+CUIL | 58 | Yes | — |
| Banco Ciudad | Precaria+CUIL | 56 | Yes | — |
| Stables | CUIL+PoA | 56 | Yes | — |
2 more services match but are not ranked yet — the evidence on file is not enough to place them.
FAQ
- Can a foreigner open a bank account in Argentina without a DNI?
- Yes — 8 accounts in our directory open without a DNI, usually with a passport plus a CUIL/CDI or precaria.
- What is a CUIL and how do I get one?
- A CUIL is a tax ID issued by ANSES; foreigners can request one with a passport. Many accounts accept it instead of a DNI.
- Which document should I get first?
- The CUIL or CDI. Nearly every account that accepts foreigners asks for one, it is issued on a passport alone, and it does not depend on your residency file being accepted.
- Will I have to redo this once my DNI arrives?
- Usually not for the account itself, but update the document on file — some providers raise limits or unlock credit products once a DNI is registered.