Aimed at users in Argentina: the website and help centre are written for Argentina (peso accounts, Argentine taxes and CNV registration); whether residents of other countries can apply is not stated.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No issuance or maintenance fee and no fee on domestic purchases; foreign purchases are processed in dollars without the 30% income and personal assets tax withholding, but a foreign processing charge applies, stated as 1.5% in one help article and 2% in two others; foreign digital services also bear Argentina's 21% VAT and provincial gross income tax.
- Debit / Deduction Model
- Direct debit from the platform balance: choose pesos, dollars or a crypto asset such as USDT as the payment currency, converted at fiwind's buy price at the moment of purchase; paying with crypto or dollars uses up the account's monthly operating limit
Application Eligibility & KYC
- KYC Identity Verification
- KYC required Applying for the card requires verifying your current address and phone number in the app. fiwind is registered with Argentina's CNV as a virtual asset service provider (PSAV) and is an AML-obliged entity; the help centre says its compliance team may ask for documents supporting transactions under the issuer's rules. Account-opening document requirements were not listed on the pages checked.
- Officially supported countries and regions
- Aimed at users in Argentina: the website and help centre are written for Argentina (peso accounts, Argentine taxes and CNV registration); whether residents of other countries can apply is not stated.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (virtual card)
- Issuer Arrangement / Payment Rails
- Issuer not published. The card BIN is not public; this profile does not infer it.
- Apple Pay / Google Pay
- The official help centre has a guide to adding the card to Apple Pay for contactless payments.
- Overseas AI Subscriptions
- fiwind does not address AI subscriptions specifically; the help centre says the card can pay foreign digital services, which bear Argentina's 21% VAT and provincial taxes.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- No fixed cashback; the help centre lists time-limited merchant promotions (for example Cabify, the YPF app and bus fare refunds).
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.
Detailed Facts
- How to apply
- Tap 'Tarjeta' on the app home screen or choose the card under 'Pagar', verify your address and phone number, pick the payment currency and the card is ready immediately; the card menu lets you change the currency, pause the card and set a daily spending cap. [3]
- Fees
- The official payments page says the card is free to issue and keep and that no extra charge applies to any fiwind payment method; domestic purchases carry no fee. [1]
- Foreign purchases and taxes
- Foreign purchases are converted to dollars without Argentina's 30% withholding, but a foreign processing charge applies: one help article says 1.5% (USD 100 debits USD 101.50), another says 2% while keeping the same example, and a third also says 2%. Foreign digital services also bear 21% VAT and provincial gross income tax. [4] [5]
- Limits and compliance
- The card itself has no spending cap, but paying with crypto or dollars uses the account's monthly operating limit; the compliance team may ask for supporting documents under the issuer's rules. [6]
- Registration
- fiwind was registered with Argentina's CNV as virtual asset service provider (PSAV) No. 75 on 2024-09-06; the website says this registration is for AML oversight and does not imply a CNV licence or supervision of its activity. [7]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- Issuer not published. The card BIN is not public; this profile does not infer it.
- Apple Pay
- ✅ Explicitly stated in official materials: The official help centre has a guide to adding the card to Apple Pay for contactless payments.
- Google Pay
- ✅ Explicitly stated in official materials: The official help centre has a guide to adding the card to Google Pay.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: fiwind does not address AI subscriptions specifically; the help centre says the card can pay foreign digital services, which bear Argentina's 21% VAT and provincial taxes.
Compatibility information for this card was verified on 2026-11-05 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.
See the full comparison of 239 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
- Fiwind (App Store / Google Play developer FINANCEWIND S.A.)
- Web Portal Support
- Web Account Available; Card Primarily via App — The web app at panel.fiwind.io supports sign-up, sign-in and account closure; per the help centre, the card is requested and managed in the app
- Apple App Store
-
App Store Official Download ↗ Only 1 storefront: Argentina
- 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
The privacy policy, published by Financewind S.A., lists the rights to information, access, rectification, update and deletion under Argentina's Personal Data Protection Law No. 25,326 (LPDP); if a request is not answered satisfactorily you can complain to Argentina's Agency for Access to Public Information (AAIP). Cross-border transfers use the model clauses of AAIP Disposition 60/2016, and the policy says no automated decision-making is used except in specific cases
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Data collected to meet legal obligations is normally kept for 5 years; data collected under a contract is kept for 6 years after it ends, to defend against possible legal claims
- App Store Privacy Label
- No tracking data; Linked to you: 1 categories; Not linked to you: 1 categories
- Google Play Data Safety
- Not shared with third parties; 4 categories collected; deletion on request; encryption not declared
- Account Deletion Flow
-
Self-service deletion in the app or on the web: in the app, open the user menu, tap Eliminar cuenta, tick each item to confirm and submit a reason; on the web, open Cuenta from the user menu and use the Eliminar cuenta button below your personal details in the same way. To exercise data rights such as deletion, email legales@fiwind.io with a copy of your DNI
Verified on 2026-11-05. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Inconsistent foreign fee
The help centre states the foreign processing charge as both 1.5% and 2%, and an article saying 2% still uses the 1.5% example. Check the actual charge in the app before larger foreign purchases. [4] [5]
Frequently asked questions
Can the fiwind card pay with USDT?
Yes. The payment currency can be set to a crypto asset such as USDT, converted at fiwind's buy price; paying with crypto uses the account's monthly operating limit.
Does the fiwind card have fees?
Issuance, maintenance and domestic purchases are free; foreign purchases carry a processing charge stated as 1.5% or 2%.
Is there a physical card?
No, the fiwind card is fully virtual and can be added to Apple Pay or Google Pay for in-store use.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
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