Pay abroad with the best exchange rate.

In Colombia, the United States, Europe or anywhere in the world, always pay with no fees and the best exchange rate.

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App rating
4.7/5
4.5/5
As featured in

A passport for your money.

To go with you on every trip. With ARQ, what you see is what you pay.

Accepted in over 150 countries.

Powered by Mastercard, pay with no fees at over 100M merchants, abroad and online.

LIVE RATE
1 USDc

The real market rate, for you.

The same rate Google shows. No hidden fees or charges on your payments.

No annual fees. Ever.

Open your account, order your card, and travel with it for life. No maintenance fee.

Open account

Get your card in 3 steps.

Real-rate FX, no hidden costs, in seconds. No bank needed, just your phone.

  1. 01

    Sign up

    Download ARQ on iOS or Android.

  2. 02

    Verify your identity

    Create an account and verify your identity with your identity document.

  3. 03

    Order and activate your card

    Get a virtual card for free in seconds or get a physical card delivered to your residence address.

Get ARQ card
Why ARQ

2 million people around the world already manage their finances with ARQ.

Diego BonetaARQ Ambassador

Pay contactless anywhere.

Activate and add your ARQ Card to Apple Pay or Google Pay in seconds. Pay securely with your phone with just one tap.

Apple PayGoogle Pay
  • Tokenised. Your card number is never shared
  • Face ID or fingerprint required for every payment
  • Works at every contactless terminal
Get ARQ card
MastercardWorld Elite

Travel protected, not just covered.

Upgrade to ARQ Prestige to get a Mastercard World Elite card with the kind of travel and lifestyle protection usually reserved for private banking clients.

Up to USD 150,000 coverage per person for medical expenses while traveling for you, your partner and children.

Up to USD 75,000 coverage to a rental vehicle for damages due to collision, theft, accidental fire, or vandalism during your trip. CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver) from the rental company must be declined.

Coverage for up to USD 3,000 for lost luggage and up to USD 600 for delayed luggage, so your trip keeps moving even if your bag doesn't.

Up to USD 3,000 for trip cancellation and USD 200 for trip delay. Coverage for the moments the travel doesn't go to plan.

Upgrade to Prestige

Don't take our word for it.

The best way to manage your finances beyond the peso.

Juan@Juandessel1

Excellent use of ARQ. They open your account, credit your money, and make payments in USDc in 2 seconds.

Juan Diego Sabogal@Juansabogalv

With ARQ, you can have US bank account details, and payments can be made to you from any banking app without the customer needing to download anything or register anywhere.

Carolina Solórzano

ARQ became my ally as an Airbnb host. Over the past year, I needed a more efficient way to receive and manage my income in USD. I tried several options and ARQ ended up becoming my operating account.

Gabo@FueledByTinto

The commission at ARQ is low compared to others, just 3 USD.

Alo Miro@A_loMiro

I'm using ARQ (formerly DolarApp), the top choice for global finance. Spend without fees. Exchange without friction. Trade with confidence.

Francisco@francis7444

After a few months of testing, I believe that if you receive payments from the US for working for companies there, the best option without a doubt is still @arq_finance.

Cryptolawyer@criptolawyer

Having fun with the new app by @arq_finance (ex dolarapp team) it feels more smooth, clean and organized.

Wolmy Neto@WMMNeto

BEST APP FOR SPENDING IN DOLLARS.

Johana Tarazona

I'm officially confirming that I love ARQ. They keep making it easier to move money internationally, pay, receive, and manage USD without hassle. I truly feel that ARQ is becoming the best app for international payments.

Conish@RabbitOutOfHat

I recommend ARQ because their commission is a flat fee; they don't charge a percentage.

Sampsonites@sampsonitesddev

Really great news for ARQ. Strong backing and a clear vision. Exciting step forward for stablecoin finance in Latin America.

Isaac I. Rivera@isaacirivera

Love the app! Try it out! I've been using it for a couple of years now.

Juan Esteban Sierra@juaNFT_ETH

I think the cards that are not region focused fall behind with fx rates, easy on/off ramps, and general perks. My favorite right now is @arq_finance.

Francisco@Bortolotts

ARQ lets you use the dollars you buy in the app and, from what I've seen, it has the cheapest conversion rate.

Santiago Donado

ARQ is the solution for EVERYTHING in dollars. Need to send money to the United States? It costs just 3 USD per transaction and arrives in 1 business day. Want to save in dollars? Topping up is FREE and super easy via PSE. Going to travel and need dollars? Just by registering, you already get a virtual card in your wallet to start spending.

Frequently asked questions.

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