Living in Argentina feels like a wild ride when it comes to money. The exchange rate keeps shifting, making it challenging to keep track of changes. One day, the official rate seems reasonable, and the next, the blue dollar offers a much better deal. The MEP rate also adds another layer of complexity to the situation. Many travellers and locals feel confused about how to get the best rate, significantly when prices have changed so much over time. It’s shocking how the cost of daily life keeps rising, making it both expensive and unpredictable.

One way to navigate this uncertainty is using cash, which still rules Argentina. Many places prefer cash transactions over credit card payments, even though cards now offer a decent rate. But to make sure you’re not overpaying, it’s necessary to find the best rate possible. That’s where Western Union comes in handy. By following a few steps, you can complete the opening of your account and quickly pick up your money at the best available rate. If you’re ever confused, take a minute to read a helpful blog post that can explain the difference between the official rate and the blue dollar.

Unlocking the Best Way to Handle Money in Argentina

Visiting Argentina in 2025 after 17 years felt like stepping into a financial maze. Before my travel, I thoroughly prepared and researched, scrolling through Facebook groups where expats discussed money matters. One conversation kept standing out—Western Union. At first, I assumed my international credit card and ATMs would do the job, just like in 2017, earning me points. But after I messaged a friend in Buenos Aires who had lived there for 12 years, he gave me an eye-opening tip: bring crisp USD bills with Benjamin, without tears, to get the Blue Dollar rate. All those Facebook posts suddenly made sense, and I knew creating a Western Union account was essential. Finding reliable money advice in Argentina was frustrating—I had to piece together information from Facebook groups, friends, and WhatsApp chats. After months of searching, I finally have the resource I wish I had when I was looking.

Setting Up Your Western Union Account Quickly

If you’re travelling to Argentina, having a Western Union account is crucial to avoid financial stress. Make sure to include a visit to a nearby branch in your itinerary on Day 1. Arriving in Buenos Aires late at 9 p.m. and planning a domestic flight to Iguazu Falls the following day at 8 a.m. can make things difficult, as you might miss the opening times of Western Union locations. Accessing money fast can become impossible without proper planning, especially when paying for taxis and other expenses.

Plan ahead by setting up your Western Union account before arriving to avoid a headache. This will help you secure the best exchange rates and make withdrawals easier. If you’re new to the process, consider checking out a Buenos Aires travel guide on Amazon to navigate the system effortlessly.

1.Easy Steps to Create Your Western Union Account

To send money to Argentina, first, create a Western Union account. You can use the app on your phone, but using a laptop makes it easier to enter banking details. Visit the website and register your profile. Ensure you do this from your home country, not while in Argentina, or the site might make it impossible to transfer funds there. Check the URL carefully before proceeding.

After registering, link your bank account or a credit card, but be aware that some companies may apply a fee. If you send at least $100 within 30 days, you and I will receive a $20 gift card from Amazon. Some banks also apply additional charges, so check if your card has a $10 transaction fee before transferring.

2.Easily Send Money to Argentina

If you need to send money to Argentina, using Western Union is one of the best options. Choose the country, enter the amount in USD, and select cash pick-up as the delivery method. With an International Money transfer, you can enjoy the benefits of safety and ease while sending money internationally. The most significant advantage is that Western Union always honours the blue dollar exchange rate, which changes daily and is often higher than the official rate. As of October 2024, the blue dollar rate is 1155 pesos, while the official rate is 955 pesos. 2025, the amounts may become closer, but the blue dollar rate is still expected to remain higher.

Before finalizing the transfer, you’ll see the exchange rate, the fee, and the total amount you will receive in pesos. The costs depend on the payment method used.. Currently, they are as follows: credit card—$45.49, Debit card—$32.99, and Bank Transfer—$29.99. To complete the process, scroll, select your preferred payment method, and choose Pay Online.

Unlock Savings with Promo Codes

Saving money while sending funds through Western Union is easy if you know how to use promo codes. On the right side of the screen, look for the option to enter a promo fee. A blue link will appear under the payment options. Click it to apply promo codes and check for discounts. Reward points can also help reduce transfer costs. However, dealing with these codes can be both exhilarating and frustrating, as a particular code might work for months, and then suddenly, BAM, it stops working!

If your code doesn’t apply, don’t worry it’s an ordinary bummer. Some past codes have worked before, and they may be back to working again. You can try entering DIGITAL0FEE, GECO, DIGITAL50WU, or DIGITAL100WU to see if they still work. The best approach is to check frequently, as these offers change at different times.

Choosing Who Will Receive the Money

When sending money to Argentina, the first step is selecting the recipient. If you’re transferring funds to yourself, you must enter your name and home address accurately. After filling in these details, click continue to proceed. Select the bank account or credit card you wish to use if prompted. If you have multiple accounts, make sure to choose the right one.

Next, you’ll land on the Review and Confirm page, where you should carefully review all details and follow the prompts to finalize your order. Once the transaction is complete, you will receive a receipt. Some transfers qualify for faster delivery, meaning you could pick up your cash from a Western Union branch today. However, most transfers take 1-5 days, so planning and sending money at least a week before you need it is wise. This ensures you avoid any last-minute delays, as getting the funds can sometimes be a whole different story.

3.Manage Your Transfers with the Western Union App

Using the app while in Argentina makes transfers smooth and hassle-free. You can track every transfer process and access your MTCN number when it’s time to pick up your money from an onsite location. The Western Union app also records your history, letting you check the exchange rate, the USD amount, and the peso amount for each transaction. Whether you’re sending funds or reviewing the total balance, having this tool ensures a seamless experience.

Easy Access with the Western Union Menu

The Western Union app’s menu at the top right gives you quick access to important options. The menu appears with choices like Quick Resend, allowing you to repeat a first-time transfer without going through the same steps as last time. The Find Locations option is helpful, especially since smaller ones of Western Union locations might not show up on Google Maps. This feature helps you find updated locations easily.

Scrolling down the menu bar, you’ll see My WU, where a number shows your Western Union points. You earn points for every dollar spent on fees, which you can cash in for discounts on future transfers. As seen in the photos, having 180 points allowed me to Redeem points, exchanging 140 points for $15. This discount was automatically applied to my next transfer, reducing the total amount. At the bottom, there’s also Refer a Friend, where your personalized link lets a friend earn a $20 gift card from Amazon when they create an account and send at least $100 within 30 days. You can claim this offer right now by using the link!

4.How to Collect Money in Argentina Without Hassle

Getting money from Western Union in Argentina can sometimes feel like a mission, especially if you don’t know the right locations. Many branches, especially the smaller ones, don’t always have cash. While some Local Argentines use it to pay bills, others line up early, leaving little money for later customers. If you’re heading to a shop with a Western Union or Pago Fácil logo, check the Western Union app and use the find locations feature instead of relying on Google Maps. The best day to collect cash is usually Wednesday, as many branches restock around that time. However, some places might be closed on Sundays or run out of money at the beginning or end of the month, so visiting a larger branch can increase your chances of success.

Be ready to wait in line, sometimes just a handful of people; other times, the line stretches down the block. If you’re lucky, you’ll walk up to the counter without waiting, but that’s impossible to predict. The key is to stay patient. Bring a book, scroll through Instagram, or update your shopping list on your phone’s Note app to occupy your mind while waiting. If you’re planning an extended stay, a travel guide from Amazon can also help you navigate the city better.

5. Collect Your Funds from Western Union in Argentina

Be Ready Before You Go

Before going to Western Union or Pago Fácil, ensure you have everything you need. If you forget something, you might have to return later, wasting time. It’s best to bring all required documents and details to smooth the process.

• Your Passport is necessary for identification, so keep it with you.
• The MTCN number is the tracking code for your transfer. Without it, you cannot receive your money.
• The exact amount in pesos is essential, as some locations may require you to confirm the total before handing over the cash.

By preparing in advance, you can avoid delays and easily collect your money.

Your Passport is Important

When visiting Western Unions in Buenos Aires, you must show your passport, and they will make a photocopy of it. However, in smaller branches of Córdoba, you may need to bring a printed-out copy along with the original. Some small branch locations do not have a printer, but fortunately, you can find a kiosk or print shop nearby. Get a copy and return it within minutes to complete your transaction.

Easy Access to Your MTCN Number

When picking up money in Argentina, the MTCN number is the first thing the teller will ask for at the window. This unique 10-digit code is linked to every transaction and can be easily found on the front page of the Western Union app once you log in. It appears just below your name, making it simple to access. To speed up the process, I always zoom in on my phone, hold the screen to the glass, and let the teller see it better without confusion.

Know the Right Amount Before You Go

When picking up money in Argentina, be prepared to tell the teller what you’re receiving in pesos. Even though they can access your transfer details, they often ask for confirmation before proceeding. This might ensure they have the amount available before moving to the next screen. If you’re uncomfortable with Spanish, it’s a good idea to practice saying the amount in advance. A simple way to be ready is to log in to the Western Union app, click on the transfer, and open the new page that shows all the details. A screenshot of this page will give you quick and easy access to all the necessary info, including the MTCN and exact peso amount.

Though rare, they sometimes ask for a local address before processing the transfer. If that happens, don’t worry—you can provide the address of your hotel or Airbnb instead.

Collect Your Cash Easily

The process of getting your money in Argentina is quite simple. Just wait in line until it’s your turn, then hand over your passport and tell the MTCN number along with the exact amount in pesos. If the money available matches your request, the counting process begins. The teller unlocks a safe or locked cabinet, pulls out stacks of bills, and puts them into an electronic counter. Please pay attention, as humans can make mistakes, and keep an eye on the counter as it ticks up to ensure everything is correct.

Once your cash is counted, you must sign on a physical paper or an electronic pad with a pencil, usually placed outside the window. Afterwards, they print your receipt on A4 paper and pass it to you under the window along with your money. Due to inflation, expect stacks of cash, so bring a small pouch to store it quickly in your bag. Since carrying a ton of Argentine currency isn’t safe, drop off some at home first. It’s best to avoid walking around the city with hundreds of dollars in cash.

Top Places to Collect Cash

Finding Western Union locations with available money can be a struggle, but I’ve had the best luck at specific spots in Buenos Aires. In Belgrano, head to La Pampa 2451, C1428 CABA, while Congreso has a reliable branch at Rivadavia 1649, C1033. Try Peru, San Nicolás 139, 1067 if you’re in Micro Centro. Palermo offers an excellent option inside the mall at Av. Luis María Campos 901, C1426, while Palermo Soho has another at Serrano 1397, C1414. For those in San Telmo, the Perú 1107, C1068AAM, and C1068 branches are best on Wednesdays. Lastly, Villa Crespo has a reliable spot at Av. Raúl Scalabrini Ortíz 333. If you want to read more about the best neighbourhoods, exploring Buenos Aires further is a good idea.

Innovative Ways to Use Western Union

Planning ahead can save you time and effort when using Western Union or Pago Fácil in Argentina. Always transfer money at least a week in advance to avoid delays. If available, apply a promo code for extra savings. Download the app and use Find Locations instead of Google Maps to locate branches faster. If you have WU points, use them for future transfer discounts. Choosing a more prominent branch and going early in the morning can help you avoid long waits. Bring a book, as you should expect a line, especially during peak hours. If possible, pick up your money mid-month when demand is lower.

Before collecting your money, ensure you have your passport, MTCN number, and the exact peso amount ready. Take a screenshot of the transfer in the app for reference. Carry a bag or pouch to store your cash away quickly after collection. To stay safe, go home and drop off your money before continuing your day.

Stay Protected While Traveling in Argentina

Anything can happen while you’re abroad, and losing your phone or getting it stolen can ruin your trip. That’s why having travel insurance is a must—it helps you worry less and stay prepared. I trust SafetyWing, an excellent option for travel and medical insurance created by nomads for nomads. You can sign up for as many days as you need and even cancel whenever you want. They offer reasonable prices, especially for travellers under 40 years old. If you’re planning a trip, check them out to stay covered.

Final Thoughts

Managing money in Argentina can feel overwhelming due to fluctuating exchange rates, but Western Union provides a reliable solution. Setting up an account beforehand allows you to access the best exchange rates and avoid financial stress. The blue dollar rate offers a better deal than the official rate, making Western Union a preferred option for locals and travellers. Handling money transfers becomes much easier with its app, promo codes, and multiple pickup locations. However, planning is essential. Bringing the proper documents, understanding the process, and using the best timing can save you from long queues and unexpected issues. Whether visiting for a short stay or living in Argentina, using Western Union smartly ensures you get the most value for your money while navigating the country’s unpredictable financial landscape.

FAQs

1.Does Western Union exchange money in Argentina? 

Yes, Western Union exchanges money in Argentina. You can send, receive, and convert currency at their locations or through their online services.

2.How much is $100 in Argentina country?

As of February 28, 2025, USD 100 equals approximately 106,375 Argentine Pesos. Please note that exchange rates fluctuate regularly; consult a reliable currency converter for the most current rates.

3.How much is $1 US in Argentina?

As of February 27, 2025, 1 US dollar equals approximately 1,061.22 Argentine pesos, so $1 US is worth about 1,061 Argentine pesos.

4.What is the best way to exchange money in Argentina?

The best way to exchange money in Argentina is to use Western Union or Cambio agencies for better rates. Avoid airport exchanges and use blue dollar rates if possible.