Fiwind
- The 5% yield is not a deposit: no scheme covers it, and the rate can move.
Pros & Cons
Pros
- Cryptowallet/exchange with local prepaid virtual card (with USD/T balance)
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 5%)
- you juggle several currencies (4 supported)
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 | 5% | 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, Fiwind is harder to reach: it requires a local DNI before you can open an account.
It is a crypto fintech supporting ARS, USDT/C, USD, BTC etc. You can hold USD, earning up to 5% on the balance.
Check the document requirements below before you apply.
Fees & terms
- Exchange rate
- Dólar Oficial, Own rate
- Card costVerified
- Free — no issuance or maintenance fees (100% virtual card)
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- 12,5k-1,5B USD/year https://help.fiwind.io/es/articles/6529658-como-funcionan-los-limites-de-operacion
- Cashback
- Not disclosed
- Currencies
- ARS, USDT/C, USD, BTC etc
- Cards
- Local Prepaga Virtual
- Transfers
- ACH in, ACH out, CBU/CVU ARS in/out, Crypto in, Crypto out, CBU/CVU USD out, CBU/CVU USD in
- Payments
- Google Pay, Modo QR, Apple Pay, Pix QR
- Headquarters
- USA
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 |
|---|---|---|---|
| ACHincomingUSD | 1% | Not published | Per year: 1,500,000,000 USD · Minimum: 12,500 USD(account limit, not a rail limit) |
| ACHoutgoingUSD | Not published | Not published | Per year: 1,500,000,000 USD · Minimum: 12,500 USD(account limit, not a rail limit) |
| CBU/CVUincomingARS | Not published | Not published | Per year: 1,500,000,000 USD · Minimum: 12,500 USD(account limit, not a rail limit) |
| CBU/CVUincomingUSD | Not published | Not published | Per year: 1,500,000,000 USD · Minimum: 12,500 USD(account limit, not a rail limit) |
| CBU/CVUoutgoingARS | Not published | Not published | Per year: 1,500,000,000 USD · Minimum: 12,500 USD(account limit, not a rail limit) |
| CBU/CVUoutgoingUSD | Not published | Not published | Per year: 1,500,000,000 USD · Minimum: 12,500 USD(account limit, not a rail limit) |
| Cryptoincoming | Not published | Not published | Per year: 1,500,000,000 USD · Minimum: 12,500 USD(account limit, not a rail limit) |
| Cryptooutgoing | Not published | Not published | Per year: 1,500,000,000 USD · Minimum: 12,500 USD(account limit, not a rail limit) |
What to know before you move money
Elevated exposure — At least one thing here would change a reasonable person’s mind.
- HighThe 5% yield is not a deposit: no scheme covers it, and the rate can move.
Read from: usd_apy
Recent updates
- 2026-08-15checked2 facts about Fiwind re-checked against their sources
- 2026-06-19checked11 facts about Fiwind 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. Fiwind requires a local DNI to open an account.
- What documents do I need?
- DNI+CUIL.
- Can I hold and receive USD?
- Yes, Fiwind lets you hold USD, with up to 5% 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.