ARQ crypto card: USDc and EURc balances, fees and cashback

ARQ (DolarApp) Card Overview

ARQ (DolarApp) Card Key features

• Dollar and euro balances

  You can convert local currency into USDc or EURc and spend those balances at home or abroad. ARQ holds the assets in custody; you do not control private keys, and the balances are not insured bank deposits.

• Free virtual Mastercard

  ARQ issues a virtual Mastercard at signup with no extra card fee. You can use it online, and ARQ markets card use in more than 180 countries.

• Mobile wallet payments

  You can add the virtual card to Apple Pay or Google Wallet within minutes after approval.

• Optional physical card

  You can order a physical Mastercard for store purchases and ATM withdrawals, usually for about 4.99 USDc unless ARQ waives the fee. ATM withdrawals generally cost about 1 percent plus any machine operator fee.

• Conversion before spending

  You see the exchange rate before you confirm, with local currency conversion commonly costing about 0.5 percent. ARQ markets card spending with no extra foreign transaction fee when you already hold USDc or EURc.

• Paid plan cashback

  Standard has no cashback; Premium pays about 1 percent on the first 500 USDc of monthly spend, while Prestige pays about 2 percent on that band. Premium has a lower rate after that band, but the supplied data does not state the rate.

• Plan subscription costs

  Standard is free, while Premium costs about 6.99 USDc per month or about 69 to 69.99 USDc per year. Prestige costs about 199 USDc per year, with spend-based discounts in some markets.

• US and European payments

  You get personal US account details for inbound ACH payments and European details for SEPA-style payments. Clients or payroll platforms can use these details to pay you.

• Free ARQ transfers

  You can send money instantly to other ARQ users without a transfer fee.

• Optional balance earnings

  You can earn a published annual rate on idle USDc or EURc, with approximate rates of 2 percent on Standard and 3.5 percent on Premium; Prestige pays about 4.5 percent. Rates can change, and you do not receive a guaranteed bank rate or deposit insurance.

• Prestige credit access

  Eligible paid plan users may get a Prestige credit card with a local currency credit line, with a metal card in some markets. You may need to join a waitlist or use balances or investments as collateral.

• In-app card lock

  You can lock the card in the app. ARQ also lists biometric access and 3DS checks among its security measures.

• Four supported countries

  You must live in Mexico, Brazil, Argentina, or Colombia to apply. ARQ requires applicants to be at least 18 and complete local identity checks.

ARQ (DolarApp) Card Fees

• Plan fees Standard is free; Premium costs about 6.99 USDc monthly or 69 to 69.99 USDc yearly, while Prestige costs about 199 USDc yearly before spend-based discounts.
• Card issuance ARQ charges no fee for the virtual card and about 4.99 USDc for a physical card unless ARQ waives the fee.
• Currency conversion You typically pay about 0.5% to convert local currency into USDc or EURc and sometimes about 0.3% to convert back, with no extra foreign transaction fee advertised by ARQ when you spend existing USDc or EURc balances.
• ATM withdrawals You pay about 1% plus the ATM operator's fee, with paid-plan free withdrawal allowances often up to 500 USDc monthly on Premium or 700 USDc on Prestige.
• Outbound transfers You pay about 3 USDc for an outbound transfer to the United States or 3 EURc via SEPA, though ARQ may include a small number of free monthly remittances on Prestige.

How to use ARQ (DolarApp) Card

1. 1

   Create your account

   Download ARQ from the official App Store or Google Play for your country. Sign up with your email or phone and accept the terms.

2. 2

   Verify your identity

   Complete the identity checks with the local ID and tax documents required in your market. You must be at least 18 and live in Mexico, Brazil, Argentina or Colombia.

3. 3

   Fund your account

   Transfer local currency using PIX in Brazil or CLABE in Mexico. In Argentina, use CVU or alias; in Colombia, use PSE.

4. 4

   Convert your balance

   Choose how much local currency to convert to USDc or EURc. Review the rate and live fee quote in the app before you confirm.

5. 5

   Activate your virtual card

   Activate your virtual Mastercard after approval, with no extra card fee. Add it to Apple Pay or Google Wallet if you want to pay with either wallet.

6. 6

   Make your first payment

   Use your virtual card for an online purchase, or pay in store through Apple Pay or Google Wallet. You pay from your USDc or EURc balance.

ARQ (DolarApp) Card Demo video

ARQ (DolarApp) Card Screenshots

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ARQ (DolarApp) Card User Reviews

• 

  @isushi91s Sep 15, 2026

  Si usan Netflix o alguna aplicación que les cobra en dólares y están usando una tarjeta débito común les recomiendo que usen ARQ ex dolarapp y van a pagar el precio NETO sin los impuestos. Me agradecen despues

  View on X ↗
• 

  @Luisrebollo1 Sep 7, 2026

  Les falta ARQ ( antes dólar app). Yo la uso mucho y te da el tipo de cambio spot, es decir el de Google. Cobra $3 fijos de comisión por recibir dólares y las transferencias a cuentas de México por SPEI son gratuitas. Denles una revisada. No es promo eh!

  View on X ↗
• 

  @LuTrujilloAR Sep 2, 2026

  @arq_finance gracias x existir loco. Primera vez que la uso, la mejor tasa del mercado y pude pagar anthropic sin impuestos. Era literalmente el hombre de las cavernas usando las otras apps.

  View on X ↗

ARQ (DolarApp) Card Review

ARQ (DolarApp) funding

• Founded by Fernando Terrés (CEO), Zach Garman (CPO), and Álvaro Correa (COO) founded DolarApp in 2021 after all three worked at Revolut on crypto, remittances, and premium products.
• Seed - Sep 2022 DolarApp raised $5 million in a seed round led by Y Combinator and Kaszek Ventures, with more than 50 angel investors.
• Round type unspecified - Mar 2026 ARQ announced a $70 million round with Sequoia Capital, Founders Fund, and Kaszek named as investors; the raw data does not identify the lead investors.

ARQ (DolarApp) Card Updates

1. 

   ARQ (DolarApp) Mar 9, 2026 · 19:59
   #Empresas | DolarApp evoluciona a ARQ y levanta US$70 millones con respaldo de Sequoia Capital y Founders Fund.
   La fintech amplía su modelo hacia inversión, crédito y pagos globales en México. @arq_finance
   👉 Lee la nota completa: https://bit.ly/4silFnA

   
   • 9 replies
   • 8 reposts
   • 59 likes
   • 93.1K views
2. 

   ARQ (DolarApp) Mar 4, 2026 · 19:38
   Today is a big day for ARQ as we welcome @sequoia and @foundersfund as partners.
   This milestone reflects conviction in the opportunity ahead of us — and in the exceptional team we are assembling to pursue it. We are in a quest to redefine finance in the Americas, and we feel privileged to advance this long-term effort alongside such remarkable partners.
   We thank @andrew__reed and @Vanthienen_m for leading the respective investments, and are also grateful to @ycombinator (@aaron_epstein ), @KaszekVentures (@HernanK), and @BHDigitalAssets (@TheChicagoVC) for their continued support.
   For the builders: we operate with long-term ambition and absolute conviction. If you are exceptional at what you do, this is a defining moment to join us. We are building one of the most important financial institutions in the world — and assembling the team to make it happen.
   More details in our careers portal in the thread.

   

   1 more in this thread

   @sequoia @foundersfund Careers at ARQ: https://www.arqfinance.com/careers
   • 53 replies
   • 14 reposts
   • 146 likes
   • 80.5K views
3. 

   ARQ (DolarApp) Mar 4, 2026 · 14:43
   Meet our new brand: DolarApp is now ARQ.
   Three years ago, we launched DolarApp to serve customers across Latin America with global lives—delivering international spending and cross-border payments with simplicity, transparency, and fair rates.
   As our vision expands, DolarApp no longer reflects the scope of what we are building—which is why we are unveiling our new brand: Welcome to ARQ.
   Learn more at http://arqfinance.com (link in bio).

   
   • 32 replies
   • 8 reposts
   • 57 likes
   • 13.2K views
4. 

   ARQ (DolarApp) Nov 28, 2025 · 16:41
   For Black Friday and Cyber Monday weekend, we created a miniature city with real-time data to celebrate businesses building on Stripe.
   • 117 replies
   • 119 reposts
   • 1.5K likes
   • 2M views
5. 

   ARQ (DolarApp) Jun 24, 2025 · 20:43
   Desde hoy, #PagoDeServicios llega a @getdolarapp en 🇦🇷 🇨🇴 🇲🇽
   Una sola integración.
   Cientos de miles de usuarios con + opciones para gestionar sus finanzas.
   Miles de servicios disponibles. 🚿🔥🛜📺
   Todo, sin salir de la app. 📲
   ¡Vamos! 💸
   #IntegrandoLatinoamérica

   
   • 61 replies
   • 5 reposts
   • 31 likes
   • 44.1K views
6. 

   ARQ (DolarApp) Jun 24, 2025 · 18:28
   🧾A partir de ahora, si estás en México, Argentina o Colombia, puedes pagar cientos de servicios públicos y privados directamente desde DolarApp.
   Esta nueva funcionalidad te permitirá pagar la luz, agua, gas, internet, telefonía, obligaciones bancarias, y mucho más desde tu app, usando tu saldo en dólares digitales, euros digitales o pesos argentinos.

   
   • 130 replies
   • 6 reposts
   • 64 likes
   • 26.4K views
7. 

   ARQ (DolarApp) Apr 23, 2025 · 22:39
   Ya tenemos ganador/a del viaje gratis a Brasil!! 🇧🇷
   Y el ganador/a es... $miguelmallamace!! 🥳🏆
   Muchas felicidades, el equipo de Dolarapp se pondrá en contacto contigo! 👏
   *Promoción únicamente para usuarios de Argentina que realizaron pagos con Pix en Brasil mediante la aplicación de DolarApp entre el 7 al 21 de abril de 2025. T&C: https://help.dolarapp.com/es/articles/11049925-gana-un-viaje-gratis-a-brasil-usando-pix-con-dolarapp

   
   • 50 replies
   • 2 reposts
   • 27 likes
   • 18.8K views
8. 

   ARQ (DolarApp) Mar 12, 2025 · 15:55
   ¡Tenemos buenas noticias! Si eres de Argentina, Colombia o México, ahora puedes pagar o transferir con Pix en 🇧🇷 Brasil usando tu saldo USDc, EURc or ARS.
   Los pagos Pix son instantáneos y DolarApp no cobra ninguna comisión.
   Paga a cualquier comercio o persona física, usando cualquiera de los siguientes métodos:
   - Código QR
   - Clave Pix del destinatario
   - Datos de cuenta bancaria del destinatario.
   Los países tienen fronteras. Tus finanzas, ya no 💚

   
   • 62 replies
   • 2 reposts
   • 38 likes
   • 16.4K views
9. 

   ARQ (DolarApp) Feb 12, 2025 · 16:25
   🇪🇺 Introducing EURc accounts, which will allow you to hold digital euros in the app, and use them to send and receive payments* in Europe, or spend them with your DolarCard when traveling in Europe.
   The world has borders. Your finances don’t have to 💚
   *All incoming payments will be automatically converted to digital euros or digital dollars. All outgoing payments are the proceeds of selling digital euros or digital dollars.

   
   • 27 replies
   • 7 reposts
   • 50 likes
   • 13.3K views
10. 

    ARQ (DolarApp) Jan 14, 2025 · 16:06
    🌍 ¡DolarApp se expande! 🌍
    🔎 Pregunta:
    ¿Qué moneda digital recientemente añadida puedes gestionar ahora desde DolarApp? 💶
    💚 Responde correctamente usando el nombre de la moneda como código en la app para recibir crypto en tu cuenta. 🎉
    • 84 replies
    • 2 reposts
    • 58 likes
    • 16.2K views
11. 

    ARQ (DolarApp) Dec 31, 2024 · 13:28
    🟢 ¡Último reto del 2024 activado! 🚀✨
    ¿En qué año se lanzó DolarApp?
    1️⃣ 2021
    2️⃣ 2022
    3️⃣ 2023
    ⚡️ ¡Comenta la respuesta correcta y úsala como código de acceso! 💚
    • 34 replies
    • 20 likes
    • 10.8K views
12. 

    ARQ (DolarApp) Dec 18, 2024 · 01:19
    ⚡️¡Crypto challenge activado! 🚀
    ¿Cuántos millones de Bitcoin existirán en total una vez que se hayan minado todos?
    1️⃣ 18 millones
    2️⃣ 21 millones
    3️⃣ 50 millones
    ✨ ¡Comenta la respuesta correcta y úsala como código de acceso! 💚
    • 43 replies
    • 3 reposts
    • 23 likes
    • 10.7K views
13. 

    ARQ (DolarApp) Dec 4, 2024 · 18:58
    ✨ ¿Listo para desbloquear la funcionalidad crypto en DolarApp? 💚
    Adivina la palabra oculta:
    M_ _ T_ _ C_ _ D
    💡 Pista: Es la marca de la tarjeta que te permite hacer pagos en todo el mundo.
    👉 Usa la palabra correcta como código (en MAYÚSCULAS) en la app para activar crypto.
    Recuerda: ¡solo 100 cupos disponibles! 🚀
    ¿Lo lograste? Comenta con: 💳
    • 46 replies
    • 2 reposts
    • 38 likes
    • 11.5K views
14. 

    ARQ (DolarApp) Nov 27, 2024 · 23:39
    🚀 ¿Quieres poder recibir crypto con DolarApp? 💚
    Resuelve esta trivia:
    ¿Qué país acaba de sumarse a DolarApp?
    👉 Usa la respuesta correcta como código para activar la funcionalidad crypto (en MAYÚSCULAS). Solo 100 cupos disponibles.
    📝 Cuéntanos si lograste activarlo con un 💚.
    ✨ ¿Cómo activarlo? Sigue estos pasos:
    1⃣ Ve a la pestaña “Recibir”.
    2⃣ Selecciona la opción “Crypto”.
    3⃣ Haz clic en el botón “No quiero esperar”.
    4⃣ Ingresa el código en “Introducir código de acceso”.

    
    • 28 replies
    • 2 reposts
    • 21 likes
    • 9.1K views
15. 

    ARQ (DolarApp) Nov 13, 2024 · 19:52
    ¿Enviaste una transferencia y quieres compartir el comprobante de la transacción? 🧾
    No te preocupes. Ahora puedes exportar y compartir en PDF el comprobante de cualquier transferencia que hayas hecho desde DolarApp.
    Conoce más sobre esta nueva funcionalidad ingresando al link en nuestra bio.

    
    • 12 replies
    • 1 reposts
    • 24 likes
    • 7.2K views
16. 

    ARQ (DolarApp) Oct 8, 2024 · 14:17
    La red Polygon @0xPolygon se suma a la lista de opciones para recargar USDc en DolarApp 👀
    A partir de hoy podrás recargar USDc en la red Polygon sin ningún costo.
    Conoce más en: https://www.dolarapp.com/es-MX/blog/product-releases/usdc-recargas-polygon
    Los países tienen fronteras. Tus finanzas, ya no 💚

    
    • 23 replies
    • 7 reposts
    • 60 likes
    • 11.3K views
17. 

    ARQ (DolarApp) Aug 27, 2024 · 18:35
    En Argentina siempre esta bueno tener varias alternativas para poder convertir stables a dólares o pesos así que les traigo una, que si bien no es nueva, está buena para probar.
    DolarApp abrió su lista de espera para “Recargas Crypto”.
    Vamos a ver 👇

    
    • 18 replies
    • 13 reposts
    • 78 likes
    • 17.8K views
18. 

    ARQ (DolarApp) Aug 8, 2024 · 19:07
    Sabemos que muchos de ustedes han estado esperando ansiosamente este momento y les tenemos buenas noticias... 🥁🥁🥁
    ¡Llegaron las recargas con crypto! 🔥
    Ahora puedes recargar tu cuenta DolarApp con USDc o USDT.
    ¿Qué esperas para probarlo? 🚀

    
    • 123 replies
    • 11 reposts
    • 100 likes
    • 13.9K views

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