What is a CVU and can I use it with Beans?
A quick guide to Argentina's virtual wallet codes
Just van Imhoff
Last Update 18 hari yang lalu
If you are dealing with finances in Argentina, you have likely come across the term CVU. Here is a simple breakdown of what it means and how it connects to your Beans account.
What is a CVU?
A CVU (Clave Virtual Uniforme) is a unique 22-digit identification code for virtual wallets and fintech platforms in Argentina, such as Mercado Pago or Ualá. Think of it as a bank account number, but specifically designed for digital accounts.
It allows you to send and receive instant transfers between traditional banks and virtual wallets, for free, 24/7.
CVU vs. CBU: what is the difference?
Can I use a CVU to receive money from abroad?
No. A CVU only works for domestic transactions within Argentina. It cannot directly accept international wire transfers.
How Beans uses your CVU
With Beans, your CVU works the other way around. When you want to deposit USD or EUR into Beans at the real market rate, Beans generates a unique CVU and reference number for that transaction. You then send a transfer from your own Argentine bank account (CBU or CVU) to that Beans CVU — and your funds are converted at a competitive rate and deposited into your Beans balance.
Each deposit generates a fresh CVU. That is not a limitation — it is the mechanism that gives you access to the real market rate.
See how it works
What is a CVU?
A CVU (Clave Virtual Uniforme) is a unique 22-digit identification code for virtual wallets and fintech platforms in Argentina, such as Mercado Pago or Ualá. Think of it as a bank account number, but specifically designed for digital accounts.
It allows you to send and receive instant transfers between traditional banks and virtual wallets, for free, 24/7.
CVU vs. CBU: what is the difference?
- CBU is exclusive to traditional bank accounts.
- CVU is for virtual wallets and fintech platforms.
- Both have 22 digits and allow instant domestic transfers.
Can I use a CVU to receive money from abroad?
No. A CVU only works for domestic transactions within Argentina. It cannot directly accept international wire transfers.
How Beans uses your CVU
With Beans, your CVU works the other way around. When you want to deposit USD or EUR into Beans at the real market rate, Beans generates a unique CVU and reference number for that transaction. You then send a transfer from your own Argentine bank account (CBU or CVU) to that Beans CVU — and your funds are converted at a competitive rate and deposited into your Beans balance.
Each deposit generates a fresh CVU. That is not a limitation — it is the mechanism that gives you access to the real market rate.
See how it works