When an overseas client says "I'll make you a transfer," they're not always referring to the same thing.

There are different money transfer systems, and each has its own conditions. Understanding that difference from the start saves you delays, confusion, and problems when you're expecting your first payment.

If you work with overseas clients, you can download the belo app and see there what options you have to receive international payments.

Wire, ACH, and SEPA: three different systems

When talking about international transfers, three systems usually come up:

• Wire transfer (SWIFT)
  It's the most commonly used channel for transfers between countries. It allows sending money from abroad directly to bank accounts in Argentina.

• ACH
  It's an internal system in the United States. It's used to move money between accounts within that country, but it doesn't reach an Argentine account directly.

• SEPA
  It works within Europe for euro transfers between countries in the eurozone. It also doesn't credit directly in Argentina.

For someone receiving payments in Argentina, the difference is simple: wire transfer is usually the most direct route. ACH and SEPA can work, but they generally require an intermediary account or an additional step.

What details does your client need to send the transfer?

When your client asks you for the details to make a transfer, it's important to send the complete information from the start. In general, they'll ask for:

• Full name of the account holder.

• Account number (CBU or another format depending on the bank).

• SWIFT/BIC code of the receiving bank.

• Bank name.

• Branch address.

• Intermediary bank details (if applicable).

• A payment reference (for example, invoice number).

In some cases, a correspondent bank that acts as an intermediary may also be involved. It's a good idea to confirm this detail with your bank before sending the information.

The clearer these details are, the less likely the transfer is to be delayed or to have problems in the process.

What should you keep in mind about costs?

Receiving an international transfer doesn't always involve a single cost. Different actors may be involved in the process:

• The bank sending the money.

• The intermediary bank (if there is one).

• The bank receiving the transfer.

Each one may apply its own conditions or fees. Also, if there is currency conversion, the exchange rate used can influence the amount too.

That's why, before sending the payment details, it's worth understanding how the full process works. Not just how much they're sending you, but what can happen along the way until the money is credited.

What about the tax side?

Receiving payments from abroad also has a tax side that it's worth organizing from the start.

In Argentina, if you work as a freelancer and provide services to overseas clients, you may need to issue documents related to the export of services and review your situation with ARCA.

This point depends on several factors:

• Your activity.

• Your level of invoicing.

• The type of client.

• The currency you get paid in.

• The tax regime you're registered under.

• The regulations in effect at the time you operate.

That's why it's not a good idea to take a single rule as valid for every case. The safest approach is to review your situation with up-to-date information or with accounting advice.

E Invoice and documentation

In many cases, when you provide services abroad, the E Invoice appears as part of the invoicing process.

How to use it, when to issue it, and what details to include depends on your tax situation. The important thing is that each payment is backed by the corresponding documentation.

It's also worth keeping in mind that:

• The invoice details must match the payment received.

• The information must be complete.

• The records must be traceable.

This makes administrative organization easier and avoids problems later on.

How does belo help receive a wire transfer?

In this process, belo can help you with the operational side of getting paid. For freelancers working with overseas clients, it can be useful for:

• Receiving international payments.

• Using the balance from the app.

• Moving funds as needed.

• Centralizing part of the day-to-day financial operation.

Before using any option, it's worth checking inside the app which alternatives are available for your account and country.

Conclusion

Receiving a wire transfer from abroad isn't just a technical matter. It also means understanding which system is used, what details you need to send, what can happen to the money in the process, and how to organize the tax side.

The clearer that process is to you, the simpler receiving payments becomes in everyday life. In that context, belo can help you with the operational side: receiving international payments and using those funds from the app.

If you work with overseas clients, you can download the belo app and check there what options you have to receive and use your international payments.

Frequently asked questions about how to receive a wire transfer in Argentina

How long does it take for a wire transfer to arrive?

It depends on the banks involved, whether there are intermediaries, and how the transaction is processed. It can vary from case to case.

Can I receive ACH or SEPA payments directly in Argentina?

Not directly. In general, those systems require an intermediary account or an additional step for the money to reach Argentina.

Do I need to be registered with ARCA to receive payments?

If you're going to invoice for services, you need to review which registration applies to your situation. It's best to confirm this with an accountant.

How can I reduce costs when getting paid?

You can check with your client who will cover the costs, choose the most convenient payment channel, or evaluate different alternatives before deciding how to receive the payment.

When do I have to issue the invoice?

It depends on your tax situation and the type of transaction. The most advisable thing is to organize it before being paid and confirm it with professional advice.