The official description covers Mexico, Argentina, Brazil and Colombia; eligibility depends on the local account-opening conditions, and no country-by-country detail is published.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The official help centre provided no complete fee schedule at this check; annual, issuance, FX and top-up fees must go by the in-app terms and should not be read as "free".
- Debit / Deduction Model
- Debit card: spending is deducted from the account's dollar balance, and USDC can be converted into that balance; officially positioned as an account-and-card combination for spending digital dollars day to day
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The official help centre states that account identity verification is required before a card is issued; no document list or KYC tiering is published, so prepare identity documents according to what the app asks for.
- Officially supported regions
- The official description covers Mexico, Argentina, Brazil and Colombia; eligibility depends on the local account-opening conditions, and no country-by-country detail is published.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (per the official help centre and product page)
- Issuer Arrangement / Payment Rails
- ARQ (as signed on the official rebrand notice; the issuing institution is not stated in the help centre). The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay / Google Pay
- The official help centre did not mention Apple Pay at this check, so it cannot be treated as supported.
- Overseas AI Subscriptions
- The company does not state how AI-subscription merchants are treated.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Third-party material lists 0–2% cashback, but the official help centre published no reward structure at this check. This site does not present third-party figures as the issuer's own terms.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- ARQ (as signed on the official rebrand notice; the issuing institution is not stated in the help centre). The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay
- — Not specified by official sources: the official help centre did not mention Apple Pay at this check, so it cannot be treated as supported.
- Google Pay
- — Not specified by official sources: the official help centre did not mention Google Pay at this check, so it cannot be treated as supported.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: the company does not state how AI-subscription merchants are treated.
Compatibility information for this card was verified on 2026-10-13 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
View full comparison of 135 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- ARQ (formerly DolarApp) (DolarApp Inc.)
- Web Portal Support
- Mobile App Only — The "Sign up on web" form only captures an email before redirecting to the App; sign-up, card issuance and management all happen in the App, no web account found
- Apple App Store
-
App Store Official Download ↗ Only 8 regions: US, Spain, Brazil, Mexico, Argentina, Colombia, Poland, Portugal
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Mexico privacy notice (PIER 5 S.A. de C.V., under LFPDPPP, updated 2024-05-16): ARCO rights (access, rectification, cancellation, objection) and withdrawal of consent can be exercised by email, answered within 20 days; personal data is neither sold nor transferred outside the group; no sensitive data is collected; the Argentina, Colombia and Brazil versions were not checked separately
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Customer data retained up to 5 years after contract termination; support tickets, call recordings and sales data retained indefinitely
- App Store Privacy Label
- Used to track: Usage Data; Linked to identity 3 categories; Not linked 0 categories
- Google Play Data Safety
- Shared: App Activity, App Info & Performance, Device or Other IDs, Financial Info; Collects 6 categories; erasure can be requested; encrypted in transit
- Account Deletion Flow
-
App: profile photo (top left) → Personal Information → Close account, confirm with password (all wallet balances must be zero, no pending transactions, savings accounts emptied); Google Play states deletion can be requested
Verified on 2026-10-12. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
The cost of converting USDC does not appear in the card's fee schedule
The user has to convert USDC into the dollar balance first. The spread and fee on that conversion are governed by the account's terms and will not appear in the card's fee schedule, so they must be included when comparing cost. [1]
Frequently asked questions
What is the relationship between ARQ Card and DolarApp?
ARQ is the new brand DolarApp adopted from 2026-03-02, and the card was renamed the ARQ Card — the same product under a new name.
Which card network is it on?
The official description is Mastercard.
Which countries is it available in?
The official description covers Mexico, Argentina, Brazil and Colombia; eligibility depends on the local account-opening conditions.
What is the cashback?
The official help centre published no reward structure at this check; this site does not present the 0–2% third parties list as the issuer's own terms.
Can users in mainland China apply?
The countries the company states are Mexico, Argentina, Brazil and Colombia; China is not mentioned.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of ARQ Card on X; search results may change over time.
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