Finthy Argentina - Personal Finance Dashboard

Argentina’s Financial Reality: Two Currencies, One Life

No country in Latin America forces people to think about money quite like Argentina. Decades of high inflation have taught Argentines to spend pesos quickly and save in US dollars. The average financially active person juggles a peso salary, a “dólar ahorro” or MEP stash, a Mercado Pago balance, a credit card, and increasingly a fintech account like Ualá, Brubank, or Naranja X.

The problem isn’t a lack of tools — it’s that each one shows only its own slice. Your bank’s home banking doesn’t know about your Mercado Pago balance. Your dollar savings sit in a separate world from your daily peso spending. And when inflation moves the goalposts every month, fragmented information makes it almost impossible to know where you really stand.

Finthy brings every piece together in one dashboard: bank accounts, wallets, credit cards, and dollar savings — all in a single view.

How Finthy Connects to Argentine Banks

Argentina does not yet have an open-banking or Open Finance law. There is no regulated API that lets apps sync your accounts automatically, and Finthy will never ask for your home banking password.

Instead, Finthy uses secure file upload:

• Export your extracto from the home banking of Banco de la Nación, Banco Galicia, BBVA Argentina, Santander Argentina, Banco Macro, Banco Provincia, Brubank, or your Mercado Pago account
• Upload it securely to Finthy, where AI reads each transaction, categorizes it, and adds it to your dashboard
• Add accounts manually for anything you prefer to track by hand, including cash, dollar holdings, or investments

This approach works today, keeps your credentials entirely out of the picture, and puts you in control of exactly what you share.

Saving in Dollars, Spending in Pesos

For most Argentines, dollars are not an exotic asset — they are how you protect savings. Whether you buy dólar MEP through a broker, hold physical billetes, or keep a USD account abroad, those dollars are part of your real net worth.

Finthy is built for exactly this. You can budget across currencies so your peso expenses and your dollar savings live side by side, with up-to-date exchange rates that show your true wealth in either currency at a glance. Instead of mentally converting figures and guessing, you see one consolidated picture.

This matters even more for the many Argentines who manage money across two countries — sending or receiving remittances, working remotely for foreign clients, or keeping accounts abroad.

Budgeting When Prices Keep Moving

High inflation makes budgeting harder, but also far more important. Finthy’s categorization engine understands Argentine spending:

• Supermercados — Coto, Carrefour, Día, Jumbo, and La Anónima categorized automatically
• Transporte — SUBE recharges, Cabify, Uber, and combustible at YPF or Axion
• Servicios — Edenor, Edesur, Metrogas, AySA, Movistar, Personal, and Claro grouped together
• Billeteras — Mercado Pago, Ualá, and Naranja X movements tracked alongside bank accounts

Set budgets in pesos for daily life and keep a separate dollar view for savings goals. Our zero-based budgeting guide walks through assigning every peso a purpose — a powerful discipline when the value of money changes month to month.

Who Uses Finthy in Argentina

Monotributistas and Freelancers

Argentina has a huge population of independent workers and monotributistas, many earning from foreign clients in dollars. Finthy helps separate business income from personal spending, track invoices paid in different currencies, and see your real cash position across pesos and dollars.

Savers Protecting Against Inflation

If your strategy is to convert pesos to dollars as quickly as possible, Finthy shows both sides of that flow — what you earn, what you spend, and how much you have actually managed to preserve in hard currency over time.

Investors Diversifying Beyond the Peso

Many Argentines diversify into US ETFs, CEDEARs, or crypto. Finthy tracks your local accounts and your international portfolio together, showing your total allocation and net worth with automatic currency conversion. Learn more in our retirement planning guide.

Security Built for Argentine Users

Finthy treats your financial data with bank-grade care:

• 256-bit AES encryption — data protected in transit (TLS 1.3) and at rest
• No credential storage — we never ask for or store your home banking passwords. Uploaded extractos are processed and the original files are not retained
• You decide what to share — because connection is manual, nothing reaches Finthy unless you upload it
• Privacy first — your transaction data is never sold or shared with third parties, in line with modern fintech security standards