Banco Santander
Pros & Cons
Pros
- No DNI required
- Incoming SWIFT
Cons
- —
Rating breakdown
Why this score
Good fit for
- you have no DNI — a passport, CUIL or precaria is enough
- you need to hold a balance in USD
- you receive international wires (SWIFT)
May not fit if
- you need crypto in or out
- you want a card at no cost (this one is Monthly fee from 6000 ARS exist with low bank card usage …)
What you'll need
- Precaria+CUIL
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-08-15
For relocants, Banco Santander is one of the easier doors in — it accepts foreigners without a DNI.
It is a local bank supporting ARS, USD. You can hold USD.
It tends to suit cash withdraws.
Fees & terms
- Exchange rate
- Dólar MEP, Dólar Oficial
- Card cost
- Monthly fee from 6000 ARS exist with low bank card usage or low account balance
- Local-currency withdrawal
- Banelco, Bank ATMs, Cashier in bank, Stores
- USD withdrawal
- Bank ATMs, Cashier in bank
- Withdrawal fees
- Not disclosed
- Limits
- Not disclosed
- USD yield
- Not disclosed
- Cashback
- Not disclosed
- Currencies
- ARS, USD
- Cards
- Local Debit Physical, Local Credit Physical
- Transfers
- SWIFT in, CBU/CVU USD in, CBU/CVU USD out, SWIFT out, CBU/CVU ARS in/out
- Payments
- Google Pay, Modo QR, Apple Pay
- Headquarters
- Argentina
Transfer routes
One row per direction, rail and currency — with what we hold on fees, speed and limits. A blank fee is not a free transfer; it is a fee we have not collected.
| Route | Fee | Speed | Limits |
|---|---|---|---|
| SWIFTincoming | FreeConditional: free0.2%Conditional: Incoming SWIFT USD to ARS account up to 999 — 0.2% (min 2.42 USD incl. VAT)2.42 USDConditional: min 2.42 USD incl. VAT6.05 USDConditional: min 6.05 USD incl. VAT | Not published | — |
| SWIFToutgoing | FreeConditional: freeStated, not pricedConditional: non-commercial, BCRA concepts A07, I07, S25175%Conditional: Outgoing SWIFT USD from USD account over 1000 — 0.175% (max 605 USD incl. VAT)605 USDConditional: max 605 USD incl. VAT | Not published | — |
| CBU/CVUincomingARS | Not published | Not published | — |
| CBU/CVUincomingUSD | Not published | Not published | — |
| CBU/CVUoutgoingARS | Not published | Not published | — |
| CBU/CVUoutgoingUSD | Not published | Not published | — |
What to know before you move money
Nothing flagged — Nothing we track is flagged on this service.
- Medium2 route(s) state a fee we could not turn into a number.
Read from: transfer_routes.fee_components
Recent updates
- 2026-08-15checked2 facts about Banco Santander re-checked against their sources
- 2026-06-19checked11 facts about Banco Santander re-checked against their sources
3 similar services
Chosen by overlap in what people use them for, not by category — the services that would land in the same shortlist as this one.
| Service | Score | Documents | Head-to-head |
|---|---|---|---|
| Banco de GaliciaNo DNI | 58/100 | Precaria+CUIL | Compare |
| BBVANo DNI | 66/100 | Precaria+CUIL+Monotributo | Compare → |
| Banco de la Nación Argentina(BNA)No DNI | 61/100 | Precaria+CUIL | Compare |
User reviews
User score
No reviews yet.
…
FAQ
- Will they accept me without a DNI?
- Yes. Banco Santander accepts foreigners without a local DNI — you'll typically need: Precaria+CUIL.
- What documents do I need?
- Precaria+CUIL.
- Can I hold and receive USD?
- Yes, Banco Santander lets you hold USD.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
Backed by two or more sources, at least one of them official, with no unresolved disagreements. We publish a score. Ranked lists need one more step.
Still needed
- Cite 1 more official source(s)