What is the CBU?
Posted: Tue Jan 07, 2025 10:02 am
The CBU is the Uniform Banking Code that identifies bank accounts. It allows you to receive and send money through transfers and to sign up for automatic debits. The CBU is made up of 22 numerical digits. All accounts in Argentina have an associated CBU that is unique throughout the Argentine banking system.
Who has a CBU? All individuals and legal entities with bank accounts. For example, if you have a savings account and a current account, each of them will have its own Uniform Banking Code.
Below, we share with you the georgia phone data structure that makes up this series of numbers so that you can read it and understand what CBU and each of its parts mean.
CBU structure
To fully understand what the CBU is and how to obtain it, let's analyze its structure. As we said, it is composed of 22 numerical digits and is separated into two blocks .
The first section contains:
a 3-digit entity number,
a 4-digit branch number,
a 1-digit verification number.
The second part consists of:
a 13-digit number that identifies the account within the entity and the branch,
a 1-digit verification number.
Chart of the structure of the CBU from Wikipedia
Structure of the CBU. Source: Wikipedia .
The 22 digits of the CBU are defined automatically and we have no possibility to modify it.
What is the CBU for?
This key is used to send and receive money transfers between bank accounts. It is also possible to subscribe to payments through direct debit.
Since each CBU is unique and refers to an account, it is the data provided to receive money without compromising the security of that account . We could say that it is your account identifier that can be shared publicly.
For example, if you sell online and want to offer payment by bank transfer as a possibility, the CBU is one of the data you can provide to your customers. The other will be the CBU Alias, as we will see later.
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To recap, the CBU is used for :
Send and receive money transfers to your bank account.
Sign up for automatic debit payments for taxes and/or services.
What is the difference between CVU and CBU?
The CVU is the Uniform Virtual Key and is the number that refers to your Mercado Pago account . Now that you know what CBU is , we can make the parallel and say that the CVU is the same key but for your digital accounts.
Their functionality is the same: both the CVU and the CBU are designed to allow you to transfer money between accounts, both bank and digital .
You now have a good overview of the CBU, what it is and how it is structured so you can read it . We still have to delve into several key points: from how to know your CBU to what the Alias is, let's continue.
Who has a CBU? All individuals and legal entities with bank accounts. For example, if you have a savings account and a current account, each of them will have its own Uniform Banking Code.
Below, we share with you the georgia phone data structure that makes up this series of numbers so that you can read it and understand what CBU and each of its parts mean.
CBU structure
To fully understand what the CBU is and how to obtain it, let's analyze its structure. As we said, it is composed of 22 numerical digits and is separated into two blocks .
The first section contains:
a 3-digit entity number,
a 4-digit branch number,
a 1-digit verification number.
The second part consists of:
a 13-digit number that identifies the account within the entity and the branch,
a 1-digit verification number.
Chart of the structure of the CBU from Wikipedia
Structure of the CBU. Source: Wikipedia .
The 22 digits of the CBU are defined automatically and we have no possibility to modify it.
What is the CBU for?
This key is used to send and receive money transfers between bank accounts. It is also possible to subscribe to payments through direct debit.
Since each CBU is unique and refers to an account, it is the data provided to receive money without compromising the security of that account . We could say that it is your account identifier that can be shared publicly.
For example, if you sell online and want to offer payment by bank transfer as a possibility, the CBU is one of the data you can provide to your customers. The other will be the CBU Alias, as we will see later.
Create your own online store!
Choose the ideal plan for your business:
Free Initial
Create a free store
Essential
ARS $16,499 /month
Try it free for 7 days
Boost
ARS $52,999 /month
Try it free for 7 days
Scale
ARS $146,999 /month
Try it free for 7 days
Evolution
Learn more
To recap, the CBU is used for :
Send and receive money transfers to your bank account.
Sign up for automatic debit payments for taxes and/or services.
What is the difference between CVU and CBU?
The CVU is the Uniform Virtual Key and is the number that refers to your Mercado Pago account . Now that you know what CBU is , we can make the parallel and say that the CVU is the same key but for your digital accounts.
Their functionality is the same: both the CVU and the CBU are designed to allow you to transfer money between accounts, both bank and digital .
You now have a good overview of the CBU, what it is and how it is structured so you can read it . We still have to delve into several key points: from how to know your CBU to what the Alias is, let's continue.