**tl;dr:** If you have a Working Holiday Visa (or another visa that allows you to get a CUIL, aka includes a work permit), you can do *transferencias*! While traveling in Argentina, I ran into a few money-related issues. One of them was that it seemed impossible for foreigners to do *transferencias* (direct money transfers that often replace cash payments). While credit cards are widely accepted in larger cities, many other places only take cash or *transferencia*. After a few months of asking around and several visits to different authorities, I finally figured it out: it is actually possible to do *transferencias*! Here’s how it worked for me: Prerequisites 1. Working Holiday Visa (Work&Travel Visa) or any other visa that includes a work permit Procedure 1. **Get a CUIL:** A CUIL (Código Único de Identificación Laboral) is basically an ID for people who are allowed to work in Argentina. If your visa allows you to work, you can get this number by going to any [ANSES](https://www.anses.gob.ar/) office and requesting it. You’ll need to provide a local address, but it doesn’t seem to matter if it’s not permanent. 2. **Open an account:** With the CUIL, you can create an account at [Prex](https://www.prexcard.com.ar/). Using a CUIL instead of a DNI isn’t the usual path, but it worked for me after some back-and-forth with customer service (they’re very responsive via Instagram). All other banks I tried required a DNI to open an account. 3. **Put money on your account:** This is trickier than it sounds. Within the Prex app, you can either send USD via PayPal or receive money by *transferencia*. - **PayPal.** Configure PayPal so USD is your main currency, then convert your currency to USD inside PayPal, send it to Prex, and finally convert it to pesos. The downside is you’ll get a poor exchange rate because of all the conversions. - **Western Union via a local contact.** If you know someone in Argentina with a bank account or a Pago Fácil account, you can get a much better rate. Send them pesos through Western Union (to their account or as a digital cash pickup), and then they can transfer the money to your Prex alias. This way, you get the Western Union exchange rate, which is one of the best available. *Side note:* You can avoid Western Union’s transfer fee by creating a new account for each transfer using a new mail address. If you verify your account with a phone number, the initial mail address doesn't even need to exist 4. **Send money with transferencia!** 🎉