ripio review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ripio suits people and businesses in Argentina who need crypto alongside multi-currency balances, with holdings in 100 currencies. Conversion costs sit at 0.5% and the wallet charges a fee on deposits and virtual asset trades, so heavy traders pay more.
Key facts
- Best for
- Holding several currencies and virtual assets in one regulated wallet.
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0.5%↗
- Currencies
- 100↗
- Transfer fee
- Deposits via WorldPay: 4% final; buy or sell of virtual assets: 0.5% final (Ripio Wallet, Argentina)↗
- Legal entity
- Moonbird S.R.L.↗
- Headquarters
- Argentina↗
- Founded
- 2013↗
- Support channels
- Email, Phone, Help-centre↗
- Official website
- ripio.com
Money transfer
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Holdings in 100 currencies, far above the everyday account median of 9
- Conversion fee of 0.5%, at the everyday account median of 0.22%
- Balances protected under EU DGS up to EUR 100,000
- Regulated in Argentina, Spain and US Florida, so most major regions are covered
Cons
- Deposits by card and virtual asset trades each carry a fee, which adds up for frequent traders
- Currency conversion ranks 149 of 312 brands
- Support runs on email, phone and help centre, with no live chat listed
Who it suits
- People in Argentina earning or holding several currencies
- Small businesses trading virtual assets
- Anyone in Spain or US Florida who wants a wallet with several currencies
Who should look elsewhere
- PayPal Colombia, if bank deposit protection matters most at FDIC up to USD 250,000
- Skrill, whose conversion fee of 3.99% suits a different spending pattern
- eToro, whose FSCS cover of FSCS up to GBP 85,000 is a UK scheme
How it compares on our data
On currencies, Ripio sits at 13 of 379 brands, a strong showing for a wallet rather than a current account. On currency conversion fee it ranks 149 of 312, and the listed fee of 0.5% matches the everyday account median of 0.22%. Wide currency coverage, average conversion cost.
How ripio compares
9.0 vs 8.7
9.0 vs 8.6
9.0 vs 8.0
9.0 vs 8.9Deposit protection of FSCS up to GBP 85,000 covers a UK scheme rather than Ripio's EU DGS up to EUR 100,000.
9.0 vs 9.1
9.0 vs 9.2
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 9.0Conversion fee of 3.99% is higher than Ripio's 0.5%, which suits heavier conversion.
9.0 vs 8.7
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9- 9.0 vs 8.9
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.1- 9.0 vs 8.1
9.0 vs 8.0
9.0 vs 8.0
9.0 vs 8.0
9.0 vs 9.1
Where ripio is available
- Available
- Argentina, Brazil, Chile, Colombia, Mexico, Spain, United States, Uruguay
- Licence in Argentina
- Comision Nacional de Valores (CNV) - Registro de Proveedores de Servicios de Activos Virtuales (PSAV N° 36 (Moonbird SRL)), checked September 26, 2026
- Licence in Argentina
- Unidad de Informacion Financiera (UIF), checked September 26, 2026
- Licence in Spain
- Banco de España - registro de proveedores de servicios de cambio de moneda virtual por moneda fiduciaria y custodia de monederos electrónicos (D845 (Ripiotech SL)), checked September 26, 2026
- Licence in United States
- Florida Office of Financial Regulation (FT230000427), checked September 26, 2026
- Licence in United States
- FinCEN, checked September 26, 2026
- Licence in Colombia
- UIAF, checked September 26, 2026
- Licence in Mexico
- Comision Nacional Bancaria y de Valores (CNBV), checked September 26, 2026
- Licence in Chile
- Comision de Mercado Financiero (CMF), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Ripio charge to convert currency?+
Currency conversion costs 0.5%, which matches the everyday account median of 0.22%. Separately, the wallet takes a fee on buying or selling virtual assets, so crypto trades cost more than a plain currency exchange.
What fees apply to the Ripio wallet in Argentina?+
Deposits made through WorldPay carry a fee, and buying or selling virtual assets is charged at a set rate. Those charges sit on top of the 0.5% conversion fee, so the wallet works out dearer for frequent trading than for holding.
How is my money protected at Ripio?+
Deposits are covered by EU DGS up to EUR 100,000. The wallet business is Moonbird S.R.L., registered with the Comision Nacional de Valores in Argentina and licensed in Spain and US Florida, so the protection runs through regulated entities in each region.
Which licences does Ripio hold?+
Ripio is registered with the Comision Nacional de Valores in Argentina, listed by the Banco de Espana, and registered with the Florida Office of Financial Regulation in the US, alongside financial intelligence units in the region. That spread covers Latin America, Spain and US Florida.
How many currencies can I hold?+
Accounts support holdings in 100 currencies, which puts Ripio at 13 of 379 brands on that measure. The everyday account median is 9, so the coverage is much wider than a typical current account.
How do I get money out of Ripio?+
Payouts go to a wallet or a card, according to wallet and card. Delivery is Instant, so a withdrawal or transfer lands quickly once it is made.
How do I contact Ripio support?+
Support runs on email, phone and help centre, so email, phone and a help centre are listed. There is no live chat among those channels, so phone is the quickest route for anything urgent.
Who is Ripio built for?+
The service suits people and businesses in Argentina who need virtual assets alongside multi-currency balances, and it is licensed in Spain and US Florida too. With 100 currencies available, it also serves anyone paid in more than one currency.
Sources
- ripio.com checked September 26, 2026
Backs: Delivery time, Deposit protection, Founded, Licences
“Rieles bancarios locales, liquidación instantánea y cumplimiento normativo total”
- terms.ripio.com/ar/ripio-trade checked September 26, 2026
Backs: Headquarters, Legal entity
“Moonbird SRL CUIT: 30-71453554-0”
- terms.ripio.com/ar/wallet checked September 26, 2026
Backs: Currency conversion fee, Transfer fee
- terms.ripio.com/select/license checked September 26, 2026
Backs: Support channels
“Need help? Write us here every day from 7 a.m. to 10 p.m. or call 0800-220-0720 from Monday to Friday from 8 a.m. to 8 p.m.”
- ripio.com/en/products/ripio-trade checked September 26, 2026
Backs: Currencies
- ripio.com/en/products/wallet checked September 26, 2026
Backs: Payout methods
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type.