Wallbit
Pros & Cons
Pros
- USD account in US
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 4.15%)
- you receive international wires (SWIFT)
- you receive SEPA transfers
May not fit if
- you do not have a local DNI
- you want a card at no cost (this one is Virtual card costs 5 USD)
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 | 4.15% | 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, Wallbit is harder to reach: it requires a local DNI before you can open an account.
It is a global fintech supporting ARS, USDT/C. You can hold USD, earning up to 4.15% on the balance.
Check the document requirements below before you apply.
Fees & terms
- Exchange rate
- No exchange
- Card cost
- Virtual card costs 5 USD
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- https://help.wallbit.io/es/articles/9095331-limites-de-transacciones
- USD yield
- 4.15%
- Cashback
- Not disclosed
- Currencies
- ARS, USDT/C
- Cards
- Local Prepaga Virtual, Local Prepaga Physical, Global Virtual
- Transfers
- Crypto in, Crypto out, CBU/CVU ARS in/out, CBU/CVU USD in, CBU/CVU USD out, ACH in, ACH out, SEPA (IBAN) in, SEPA (IBAN) out
- Payments
- 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 | Free | 2–5 days | — |
| SWIFToutgoing | 1%20 USDConditional: min 20 USD | 2–5 days | — |
| SEPAincomingEUR | Not published | Not published | — |
| SEPAoutgoingEUR | 1%0.5%Conditional: min 10 USD; 0.5% on Pro and Max plans10 USDConditional: min 10 USD; 0.5% on Pro and Max plans | Not published | — |
| ACHincomingUSD | Free | 2–5 days | — |
| ACHoutgoingUSD | 1%0.5%Conditional: min 5 USD; 0.5% on Pro and Max plans5 USDConditional: min 5 USD; 0.5% on Pro and Max plans | 2–5 days | — |
| 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 | FreeConditional: free | Not published | — |
| Cryptooutgoing | 2%Conditional: 2%1%Conditional: 1% on Pro and Max plans1.25%Conditional: 1.25% on Pro and Max plans | Instant | — |
Plans and tiers
The headline rate belongs to the top tier and the free price to the bottom one. These are the tiers as the provider sells them, one row each.
| Tier | Price | What it adds | Worth it when |
|---|---|---|---|
| Standard | Free | — | Entry tier |
| Pro | Price not published | Outgoing ACH and SEPA at 0.5% instead of 1% | Cannot be valued — the price or the benefit is 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
- Medium5 route(s) state a fee we could not turn into a number.
Read from: transfer_routes.fee_components
- LowThe price of Pro is not published.
Read from: plan_tiers.fee_unknown
Recent updates
- 2026-08-15checked13 facts about Wallbit re-checked against their sources
- 2026-06-19checked11 facts about Wallbit 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. Wallbit requires a local DNI to open an account.
- What documents do I need?
- DNI+CUIL.
- Can I hold and receive USD?
- Yes, Wallbit lets you hold USD, with up to 4.15% 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.