Jurisdiction Module: Argentine Republic
Document 5 of 8 of the BNKA Documentary Package, Edition 1.0
Effective date: July 2026
Supplements: General Terms of Use of the Platform
Precedence: the Regulated Entity's Terms and Conditions prevail over this Module in all matters relating to the payment services. The principle of non-duplication set out in clause 2.4 of the General Terms applies.
1. SCOPE
This Module applies to Users who are natural persons resident in the Argentine Republic.
2. ENTITIES
2.1 Regulated Entity. The payment services are provided by Block Digital Services S.A., CUIT 30-71738972-3, registered as a Payment Service Provider with the Central Bank of the Argentine Republic. It is the sole entity responsible for those services. Registered address in the Legal Notice published on bnka.com.
2.2 Technology provider. Byte Neoka UAB, in accordance with the General Terms.
2.3 Block Digital Services S.A. is not a financial institution. It does not take deposits or funds from the public, it does not grant credit and it does not carry out financial intermediation. Funds credited to payment accounts do not constitute deposits and do not benefit from the guarantees applicable to deposits held with financial institutions.
3. DOCUMENT GOVERNING THE PAYMENT SERVICES
3.1 The payment services, including the payment account with a Uniform Virtual Key (Clave Virtual Uniforme, CVU), its opening, its nature, the regime governing availability and immobilisation of funds, limits, remuneration, the execution of transactions, execution times, fees and charges, the regime governing unauthorised transactions, closure of the account and the complaints procedure, are governed in full and exclusively by the Terms and Conditions which Block Digital Services S.A. provides to the User and which the User accepts.
3.2 This Module does not reproduce, amend, interpret or supplement that document. Any discrepancy is resolved in favour of the Terms and Conditions of Block Digital Services S.A.
3.3 The User must read and accept the Terms and Conditions of Block Digital Services S.A. before contracting.
4. FUNCTIONALITIES ENABLED IN THE INTERFACE
4.1 The functionalities accessible through the Platform are executed exclusively by the Regulated Entity. The Platform acts solely as a technology interface.
4.2 The functionalities enabled from time to time are those displayed in the interface, and are limited to those comprised within the Regulated Entity's registration with the Central Bank of the Argentine Republic.
4.3 Payment orders originating from abroad are governed by the corresponding Corridor Annex, published on bnka.com, and by the applicable Argentine rules. Only those corridors for which an Annex has been published are available.
5. REMUNERATION OF THE SERVICES AND TRANSPARENCY IN THE INTERFACE
5.1 Conversion rate. Where the amount payable by the payer and the amount to be credited to the beneficiary are expressed in different currencies, a conversion rate will be applied which may include a margin over the reference used to determine it. That margin constitutes the remuneration for the services provided by the participating entities.
5.2 No charge for use of the Platform. Use of the Platform is not subject to any fee, subscription or recurring charge.
5.3 The Regulated Entity's fees. These are set out in its Terms and Conditions and in the fee schedule published at bnka.com/fees.
5.4 Information provided before each transaction. Before the User confirms an order, the interface will display, clearly and in a form the User can retain:
(a) the exact amount to be debited from the User's account;
(b) the conversion rate applied and the reference used to determine it, in a manner which allows the margin to be identified;
(c) the total amount of fees and charges, itemised;
(d) the exact amount the beneficiary will receive in the destination currency;
(e) the estimated time for the funds to be credited.
The User must expressly confirm each order. No order is executed without confirmation.
5.5 No economic item will be applied to the User which has not been notified in accordance with clause 5.4, the fee schedule or the Regulated Entity's Terms and Conditions.
6. SECURITY
6.1 The authentication mechanisms are those established by the Regulated Entity.
6.2 Neither Byte Neoka nor the Regulated Entity will ask the User, through any channel, for the User's credentials, one-time codes or access keys, except where strictly necessary during an authentication process managed directly by the Regulated Entity through its own secure environments.
7. COMPLAINTS
7.1 Payment services. These are addressed to Block Digital Services S.A., through the channels and in accordance with the procedure and time limits set out in its Terms and Conditions and in the rules applicable to Payment Service Providers.
7.2 Software and support. Enquiries and incidents concerning the operation of the Platform may be addressed to support@bnka.com or to the channels indicated on the Platform.
7.3 Administrative bodies. Nothing in this clause limits the User's right to apply to the Central Bank of the Argentine Republic, to the national or local consumer protection authorities, or to any other body established under Argentine law.
8. PROCESSING OF PERSONAL DATA
Personal data is processed in accordance with Law No. 25,326 on the Protection of Personal Data and its supplementary rules, and with the applicable Privacy Policy.
9. AMENDMENT
Amendments to this Module will be notified with the minimum advance notice required under Argentine law. Amendments to the Regulated Entity's Terms and Conditions are notified by that entity in accordance with its own regime.
10. GOVERNING LAW AND JURISDICTION
10.1 Relations with a User resident in the Argentine Republic are governed, as regards consumer protection, by the mandatory provisions of Argentine law, with the bodies identified in clause 7.3 having competence.
10.2 The Regulated Entity's Terms and Conditions are governed by Argentine law.
10.3 As regards the use of the software, clause 16 of the General Terms applies, without prejudice to clause 10.1.