Bank Account ARS

Introduction

ARS Beneficiary is used as the destination when you transact with ARS (Argentine Peso) fiat. ARS payouts route through the Mural Pay rail using a single payment method:

Rail	Required fields	Use for
ARS Bank Transfer	Full beneficiary fields including `bankAccountNumber` (CVU or CBU), `bankAccountNumberType`, `bankId`, `documentNumber`, address, etc.	Argentine bank-to-bank transfer to a CVU or CBU.

Unlike COP (which supports both PSE bank transfer and Bre-B keys), ARS has only one payout rail today. The destination account is identified by either a CVU (Clave Virtual Uniforme — 22-digit virtual key, typically used by digital wallets) or CBU (Clave Bancaria Uniforme — 22-digit traditional bank account identifier). Both share the same registration shape; you indicate which type the account is via the bankAccountNumberType field.

info

All the endpoints here are applicable to subAccounts, just pass the subAccountId field followed by the subaccount id as the request parameter.

warning

ARS transfers are irreversible once executed — ensure beneficiary details are correct before creating a payout ticket.

Supported Banks

The canonical list of supported Argentine banks lives at Supported Banks ARS. Use the bankId value from that page when registering a beneficiary.

Register an ARS Beneficiary Account

Endpoint:

POST https://api.sandbox.avenia.io:10952/v2/account/beneficiaries/bank-accounts/ars/

Required fields

All fields below are required — ARS Mural does not accept partial cadastro.

curl -X POST "https://api.sandbox.avenia.io:10952/v2/account/beneficiaries/bank-accounts/ars/" \
-H "Content-Type: application/json" \
-H "Authorization: Bearer eyJhdXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX" \
-d '{
  "alias": "Juan CVU Macro",
  "description": "Cuenta principal de Juan en Banco Macro",
  "beneficiaryName": "Juan Carlos Garcia",
  "beneficiaryType": "individual",
  "beneficiaryEmail": "juan@example.com",
  "beneficiaryAddress": {
    "address1": "Av Corrientes 1234",
    "address2": "Piso 5 A",
    "country": "AR",
    "subDivision": "C",
    "city": "Buenos Aires",
    "postalCode": "C1043AAZ"
  },
  "phoneNumber": "+541112345678",
  "bankAccountNumber": "0000007270000000000001",
  "bankAccountNumberType": "CVU",
  "documentNumber": "20300000001",
  "documentType": "NATIONAL_ID",
  "bankId": "bank_ars_032",
  "bankName": "Banco Macro"
}'

Field	Type	Required	Validation Rules	Description
`alias`	string	Yes	Max 100 characters; unique per user	A custom name for the beneficiary.
`description`	string	No	Max 500 characters	Optional description.
`beneficiaryName`	string	Yes	Max 140 characters	Full legal name of the recipient.
`beneficiaryType`	string	Yes	`individual` or `business`	Type of account holder.
`beneficiaryEmail`	string	Yes	Valid email	Email of the beneficiary.
`beneficiaryAddress.address1`	string	Yes	—	Street address line 1.
`beneficiaryAddress.address2`	string	No	—	Apartment / floor.
`beneficiaryAddress.country`	string	Yes	Must be `AR`	ISO country code.
`beneficiaryAddress.subDivision`	string	Yes	ISO 3166-2:AR code (e.g. `C` for CABA, `B` for Buenos Aires)	Argentine province.
`beneficiaryAddress.city`	string	Yes	—	City name.
`beneficiaryAddress.postalCode`	string	Yes	—	Argentine postal code.
`phoneNumber`	string	Yes	International format	Phone number (e.g. `+541112345678`).
`bankAccountNumber`	string	Yes	Exactly 22 digits	The destination CVU or CBU.
`bankAccountNumberType`	string	Yes	`CVU` or `CBU`	Which kind of 22-digit account `bankAccountNumber` is. Mural validates routing against this.
`documentNumber`	string	Yes	Argentine CUIT/CUIL/DNI	Government-issued ID of the beneficiary.
`documentType`	string	Yes	`NATIONAL_ID`, `RUC_NIT`, `PASSPORT`, or `RESIDENT_ID`	Document type.
`bankId`	string	Yes	Must be from `/supported-banks`	Bank identifier.
`bankName`	string	Yes	—	Bank name.

warning

bankAccountNumberType must match the actual account. CVUs and CBUs are both 22 digits but route through different networks. Picking the wrong type will cause Mural to reject the payout at execution time even though registration succeeded.

info

ALIAS is not currently supported. Mural exposes a separate arsAlias payout-method type for cuentas identified by a friendly alias (e.g. juan.mp); this is deferred to a follow-up release. Today only CVU and CBU are accepted.

Common Errors

Error	Cause
`bankAccountNumber is invalid`	`bankAccountNumber` is missing or not exactly 22 digits.
`bankAccountNumberType is invalid`	Value is not `CVU` or `CBU`.
`beneficiaryAddress.country must be AR`	Provided country code other than `AR`.
`bank is invalid`	`bankId` is not in `/supported-banks`.

JSON Response

{
  "id": "550e8400-e29b-41d4-a716-446655440000"
}

Response Fields Explained

Field	Type	Description
`id`	string (UUID)	Unique identifier for this beneficiary account — SAVE THIS for future payout operations

List all ARS beneficiaries bank accounts

To get all the ARS bank accounts, use the endpoint below, with filter fields:

info

All the endpoints here are applicable to subAccounts, just pass the subAccountId field followed by the subaccount id as the request parameter.

HTTP GET Request

https://api.sandbox.avenia.io:10952/v2/account/beneficiaries/bank-accounts/ars/

Filter Fields

Field	Type	Description
subAccountId	string	The ID of a sub-account. If provided, data will be fetched for the sub-account; leave empty for main account.
createdAfter	int64	Filters results to include only those created after this timestamp.
createdBefore	int64	Filters results to include only those created before this timestamp.
cursor	string	Cursor for pagination. Pass the value from the previous response to retrieve the next set of results.
alias	string	Filters results to include only those with the specified alias.

cUrl Example:

curl -X GET "https://api.sandbox.avenia.io:10952/v2/account/beneficiaries/bank-accounts/ars/?subAccountId=&createdAfter=1700000000&createdBefore=1800000000&cursor=NEXT_CURSOR&alias=Juan%20CVU%20Macro" \
-H "Authorization: Bearer eyJhdXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"

JSON Response

{
  "bankAccounts": [
    {
      "id": "00000000-0000-0000-0000-000000000000",
      "userId": "11111111-1111-1111-1111-111111111111",
      "alias": "Juan CVU Macro",
      "description": "Cuenta principal de Juan en Banco Macro",
      "beneficiaryName": "Juan Carlos Garcia",
      "beneficiaryType": "individual",
      "beneficiaryEmail": "juan@example.com",
      "beneficiaryAddress": {
        "address1": "Av Corrientes 1234",
        "country": "AR",
        "subDivision": "C",
        "city": "Buenos Aires",
        "postalCode": "C1043AAZ"
      },
      "phoneNumber": "+541112345678",
      "bankAccountNumber": "0000007270000000000001",
      "bankAccountNumberType": "CVU",
      "documentNumber": "20300000001",
      "documentType": "NATIONAL_ID",
      "bankId": "bank_ars_032",
      "bankName": "Banco Macro",
      "createdAt": "2026-06-22T16:13:08.320462Z"
    }
  ],
  "cursor": "MzItMTc0MDA2NDM4ODMyMA..."
}

Response Fields Explained

Field	Type	Description
`bankAccounts`	array	Array of ARS beneficiary accounts for this user
`bankAccounts[].id`	string (UUID)	Unique account identifier
`bankAccounts[].userId`	string (UUID)	Your user ID (account owner)
`bankAccounts[].alias`	string	The friendly name you assigned
`bankAccounts[].description`	string	The description you provided
`bankAccounts[].beneficiaryName`	string	Full name of the account holder
`bankAccounts[].beneficiaryType`	string	`individual` or `business`
`bankAccounts[].beneficiaryEmail`	string	Beneficiary email
`bankAccounts[].beneficiaryAddress`	object	Full address used at registration
`bankAccounts[].phoneNumber`	string	Phone number
`bankAccounts[].bankAccountNumber`	string	22-digit CVU or CBU
`bankAccounts[].bankAccountNumberType`	string	`CVU` or `CBU`
`bankAccounts[].documentNumber`	string	Beneficiary document number
`bankAccounts[].documentType`	string	Type of identity document
`bankAccounts[].bankId`	string	Bank identifier (e.g. `bank_ars_032`)
`bankAccounts[].bankName`	string	Name of the bank
`bankAccounts[].createdAt`	timestamp	ISO 8601 creation date
`cursor`	string	Pagination cursor for next page (only if more results exist)

Pagination

If cursor is present in the response, there are more results available
Pass this cursor value in the next request as a query parameter to fetch the next batch
No cursor in response means you've reached the last page

Get ARS beneficiary bank account by ID

To retrieve the details of a specific ARS bank account:

info

All the endpoints here are applicable to subAccounts, just pass the subAccountId field followed by the subaccount id as the request parameter.

HTTP GET Request

https://api.sandbox.avenia.io:10952/v2/account/beneficiaries/bank-accounts/ars/00000000-0000-0000-0000-000000000000

cUrl Example

curl -X GET "https://api.sandbox.avenia.io:10952/v2/account/beneficiaries/bank-accounts/ars/00000000-0000-0000-0000-000000000000" \
-H "Authorization: Bearer eyJhdXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"

JSON Response

{
  "bankAccount": {
    "id": "00000000-0000-0000-0000-000000000000",
    "userId": "11111111-1111-1111-1111-111111111111",
    "alias": "Juan CVU Macro",
    "description": "Cuenta principal de Juan en Banco Macro",
    "beneficiaryName": "Juan Carlos Garcia",
    "beneficiaryType": "individual",
    "beneficiaryEmail": "juan@example.com",
    "beneficiaryAddress": {
      "address1": "Av Corrientes 1234",
      "country": "AR",
      "subDivision": "C",
      "city": "Buenos Aires",
      "postalCode": "C1043AAZ"
    },
    "phoneNumber": "+541112345678",
    "bankAccountNumber": "0000007270000000000001",
    "bankAccountNumberType": "CVU",
    "documentNumber": "20300000001",
    "documentType": "NATIONAL_ID",
    "bankId": "bank_ars_032",
    "bankName": "Banco Macro",
    "createdAt": "2026-06-22T16:13:08.320462Z"
  }
}

Delete ARS beneficiary bank Account

To delete a specific ARS bank account:

info

All the endpoints here are applicable to subAccounts, just pass the subAccountId field followed by the subaccount id as the request parameter.

HTTP DELETE Request

https://api.sandbox.avenia.io:10952/v2/account/beneficiaries/bank-accounts/ars/00000000-0000-0000-0000-000000000000

cUrl Example

curl -X DELETE "https://api.sandbox.avenia.io:10952/v2/account/beneficiaries/bank-accounts/ars/00000000-0000-0000-0000-000000000000" \
-H "Authorization: Bearer eyJhdXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"

JSON Response

{}

Status Code: HTTP 200 OK

Response: Empty JSON object — indicates successful deletion

Your ARS bank account has been deleted!

Conclusion

In this section, you have learned how to manage ARS beneficiaries within the Avenia API system.

What we've covered:

✅ Reviewing Supported Argentine Banks — see Supported Banks ARS.
✅ Creating an ARS Beneficiary — Full Mural counterparty + payout method registration with CVU or CBU.
✅ Fetching All ARS Beneficiaries — Retrieve all registered beneficiaries.
✅ Fetching a Specific ARS Beneficiary by ID — Retrieve details by UUID.
✅ Deleting an ARS Beneficiary — Permanently remove the registration.

The returned id is used as beneficiaryArsBankAccountId when creating ARS payout tickets — Avenia routes the payout via Mural to the registered CVU or CBU.

Introduction​

Supported Banks​

Register an ARS Beneficiary Account​

Required fields​

Common Errors​

JSON Response​

Response Fields Explained​

List all ARS beneficiaries bank accounts​

HTTP GET Request​

Filter Fields​

cUrl Example:​

JSON Response​

Response Fields Explained​

Pagination​

Get ARS beneficiary bank account by ID​

HTTP GET Request​

cUrl Example​

JSON Response​

Delete ARS beneficiary bank Account​

HTTP DELETE Request​

cUrl Example​

JSON Response​

Conclusion​

Introduction

Supported Banks

Register an ARS Beneficiary Account

Required fields

Common Errors

JSON Response

Response Fields Explained

List all ARS beneficiaries bank accounts

HTTP GET Request

Filter Fields

cUrl Example:

JSON Response

Response Fields Explained

Pagination

Get ARS beneficiary bank account by ID

HTTP GET Request

cUrl Example

JSON Response

Delete ARS beneficiary bank Account

HTTP DELETE Request

cUrl Example

JSON Response

Conclusion