Personal Pay
Pros & Cons
Pros
- Free wallet with ARS card
Cons
- Requires a local DNI
Rating breakdown
Why this score
Good fit for
- Not enough verified facts yet to say who this fits.
May not fit if
- you do not have a local DNI
- you need to hold USD
- you need crypto in or out
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
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-08-15
For relocants, Personal Pay is harder to reach: it requires a local DNI before you can open an account.
It is a service supporting ARS.
Check the document requirements below before you apply.
Fees & terms
- Exchange rate
- No exchange
- Card cost
- Not disclosed
- Local-currency withdrawal
- Banelco, LINK
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- 200 000 ARS (the source states the figure without a period — per transfer, per day and per month are all consistent with it)
- USD yield
- Not disclosed
- Cashback
- Not disclosed
- Currencies
- ARS
- Cards
- Local Prepaga Virtual, Local Prepaga Physical
- Transfers
- CBU/CVU ARS in/out
- Payments
- Google Pay, Modo QR
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 |
|---|---|---|---|
| CBU/CVUincomingARS | Not published | Not published | 200 000 ARS(account limit, not a rail limit) |
| CBU/CVUoutgoingARS | Not published | Not published | 200 000 ARS(account limit, not a rail limit) |
Recent updates
- 2026-08-15checked4 facts about Personal Pay re-checked against their sources
- 2026-06-19checked9 facts about Personal Pay 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 |
|---|---|---|---|
| Cuenta DNI (Banco Provincia) | 67/100 | DNI+CUIL | Compare → |
| Mercado Pago | 70/100 | DNI+CUIL | Compare |
| Naranja X | 72/100 | DNI+CUIL | Compare |
User reviews
User score
No reviews yet.
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FAQ
- Will they accept me without a DNI?
- No. Personal Pay requires a local DNI to open an account.
- What documents do I need?
- DNI+CUIL.
- Can I hold and receive USD?
- Personal Pay does not offer a USD balance based on our data.
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.