In November 2022 the Government of Argentina changed the law to allow electronic transactions processed with foreign bank cards to be processed at a parallel exchange rate known as the MEP rate (aka 'Mercado Electrónico de Pagos', 'Dólar Bolsa' or 'tourist dollar'). The MEP rate is higher than the official rate but lower than the dólar blue rate. Theoretically all foreign Visa and Mastercards should process cross currency transactions at the MEP rate. Yet in reality, none of them do process at the MEP rate. Foreign Visa and Mastercards will process somewhere between the official exchange rate and the MEP rate. And anyone with foreign accounts continues to be significantly better off using cash acquired from an international transfer service like Western Union. I still use Western Union cash. And I save more than 50% compared to using my foreign Visa and Mastercards in Argentina. I also avoid credit card surcharges of 5% or more that are frequently imposed by vendors on those who do use cards.