Belo
Pros & Cons
Pros
- Best for interaction with crypto
Cons
- Requires a local DNI
Rating breakdown
Why this score
Good fit for
- you need to hold a balance in USD
- you move stablecoins both in and out
- you want yield on an idle balance (up to 4%)
- you receive SEPA transfers
May not fit if
- you do not have a local DNI
Where it ranks
Position among the services we hold enough verified evidence to rank for each scenario — each scenario weights the six dimensions differently.
What you'll need
- DNI+CUIL
Deposit & savings rates
Compare all deposits →| Product | Currency | TAE / APY | Term | Conditions | Source |
|---|---|---|---|---|---|
| USD yield | USD | 4% | On demand | — | — |
Rates are shown, never scored: a yield is a commercial offer and the most volatile figure we hold, so it lifts nobody's rating. What deposit protection exists is scored separately.
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-08-15
For relocants, Belo is harder to reach: it requires a local DNI before you can open an account.
It is a crypto fintech supporting ARS, USDT/C, BTC etc. You can hold USD, earning up to 4% on the balance.
Check the document requirements below before you apply.
Fees & terms
- Exchange rate
- No exchange
- Card costVerified
- Free (virtual & physical): no issuance, shipping or maintenance fees; replacement 2.50 USDT
- Local-currency withdrawal
- Banelco, LINK
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- Not disclosed
- Cashback
- Not disclosed
- Currencies
- ARS, USDT/C, BTC etc
- Cards
- Local Prepaga Virtual, Local Prepaga Physical
- Transfers
- ACH in, CBU/CVU ARS in/out, CBU/CVU USD out, Crypto in, Crypto out, ACH out, SEPA (IBAN) in, SEPA (IBAN) out, PIX out, PIX in, CBU/CVU USD in
- Payments
- Google Pay, Pix QR
- Headquarters
- Uruguay
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 |
|---|---|---|---|
| SEPAincomingEUR | Free | Not published | — |
| SEPAoutgoingEUR | Not published | Not published | — |
| ACHincomingUSD | FX spread, not quantified | Not published | — |
| ACHoutgoingUSD | Not published | 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 | — |
| Cryptoincoming | Not published | Not published | — |
| Cryptooutgoing | Not published | Not published | — |
| PIXincomingBRL | Not published | Not published | — |
| PIXoutgoingBRL | Not published | Not published | — |
Who holds your money
The name on the app is not always the company holding the balance, and deposit protection follows the licence rather than the brand.
| Role | Organization | Answerable for | Applies to |
|---|---|---|---|
| Holds the balance | Lead Bank | Custody of your money — the failure that would cost you | USDFDIC |
What to know before you move money
Worth reading — Several things are worth reading before you commit.
- MediumYour USD balance is held by Lead Bank, not by the app.
Read from: provider_partners.deposit_holder
- Medium1 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 Belo re-checked against their sources
- 2026-06-19checked10 facts about Belo 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.
User reviews
User score
No reviews yet.
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FAQ
- Will they accept me without a DNI?
- No. Belo requires a local DNI to open an account.
- What documents do I need?
- DNI+CUIL.
- Can I hold and receive USD?
- Yes, Belo lets you hold USD, with up to 4% yield on the balance.
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.
Independently corroborated, rated on the full model and checked within the year. This service can appear in our ranked picks.