Payflow invites you to ARQ Premium.

Get 1 month of ARQ Premium free.

Access 1% cashback, 3.5% yield on digital dollars, one free international transfer a month and more.

1 month free $6.99 / mo
App rating
4.7 /5
4.6 /5
As featured in

Conversion with no surprises.

Top up via Bre-B, PSE or Nequi and convert your pesos into digital dollars and euros at the real market rate. No hidden fees, and always the best rate. Opening your account is free.

Open account
COP
You convert
USDc
You receive exactly

The card for
borderless wealth.

At home or abroad, always pay at leading conversion rates with unparalleled cashback.

We don't do remittances. We do better.

Receive and send payments from the US and Europe with your own account details, at the real conversion rate and without surprises.

Grow your wealth at a global scale.

Access earnings accounts and leading stocks and ETFs to invest your capital across global markets.

Upgrade to Premium to unlock exclusive rewards

1% cashback

Get 1% on the first 500 USDc you spend each month and 0.5% on everything else, no limit.

Earn 3.5% on your USDc

Earn yield on your USDc balance and withdraw it whenever you want.

Free international transfers

Send and receive from the US or Europe for free, every month.

Convert in 3 steps.

Real-rate FX, no hidden fees, easy, secure and in seconds. No need to go to a bank or exchange house, just your phone.

  1. 01

    Create your account

    Download ARQ on iOS or Android and create your account in minutes. No branch, no paperwork.

  2. 02

    Add balance

    Top up via SPEI from any bank. Your pesos are converted into digital dollars at the real market rate, instantly and at no cost. If you prefer, you can also add balance in dollars, euros, crypto, or Argentine and Colombian pesos.

  3. 03

    Switch between digital dollars and euros

    Inside the app you move between digital dollars and euros whenever you want, at the real rate. You see the exact amount before switching. No fine print.

Don't take our word for it.

The best way to manage your finances beyond the peso.

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.

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.

Sampsonites @sampsonitesddev

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

Gabo @FueledByTinto

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

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.

Isaac I. Rivera @isaacirivera

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

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.

Conish @RabbitOutOfHat

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

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.

Wolmy Neto @WMMNeto

BEST APP FOR SPENDING IN DOLLARS.

Juan @Juandessel1

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

Cryptolawyer @criptolawyer

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

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.

Our investors

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Start today.