Receive Money from Germany — Spend It Instantly
Someone in Germany sends you euros. You spend pesos or reais in seconds — via MercadoPago or PIX. No fees. No DNI or CPF needed.
Receive Money from Germany and Spend Locally in Seconds
When someone in Germany sends you money through Peanut, the funds arrive instantly. No multi-day bank transfer waits. From there, scan a Mercado Pago QR code in Argentina or pay with PIX in Brazil — the money converts at the cripto dólar rate, delivering roughly 5-10% more pesos per euro than what traditional bank transfers offer.
The sender in Germany deposits via SEPA bank transfer from any German bank — free, with 90% arriving in under 20 minutes. German banks support SEPA Instant under the EU Instant Payments Regulation, so deposits can land even faster. No fees on either side. No local ID required.
How to Receive Money from Germany
- 1
Sign up on Peanut
Create your account and verify with a passport or national ID card. No Argentine DNI or Brazilian CPF needed. Under 2 minutes for most users.
- 2
Share your details with the sender
The person in Germany creates a Peanut account and deposits via SEPA bank transfer — free and fast from any German bank.
- 3
Receive the money instantly
Peanut-to-Peanut transfers arrive in milliseconds. Your balance updates the moment the sender confirms.
- 4
Spend locally
Scan a Mercado Pago QR at 1,000,000+ merchants in Argentina, pay via PIX in Brazil, withdraw cash from Red ATMs, or transfer to a local bank account.
What You Can Do With the Money
In Argentina
Mercado Pago QR — Pay at supermarkets, restaurants, cafes, kiosks, pharmacies, and over 1,000,000 merchants. The merchant sees a normal Mercado Pago payment. Rate locks at the moment of payment.
Cash withdrawal — Generate a QR and withdraw pesos from Red ATMs in Buenos Aires, Cordoba, Mendoza, and other cities. Available 24/7. Free from Peanut.
Bank transfer — Move funds to a local Argentine bank account.
In Brazil
PIX — Pay at virtually any merchant — restaurants, supermarkets, gas stations, hotels, ride-hailing apps. Instant, 24/7/365. Over 150 million users.
Bank transfer — Withdraw to a Brazilian bank account.
How Much Does It Cost?
No fees anywhere. Receiving is free. Spending is free. Cash withdrawals and bank transfers are free from Peanut.
For the EUR-to-ARS corridor, Peanut converts through the cripto dólar rate — approximately 5-10% better than the MEP rate used by Wise and credit cards. For Brazil, Peanut's flow avoids the IOF tax (up to 3.5% on outbound transfers). Full details on the pricing page.
