🇦🇷 ARGENTINA · VIRTUAL ACCOUNT
CVU validator (free)
The CVU (Clave Virtual Uniforme) is the 22-digit identifier for virtual accounts at Argentine fintechs (Mercado Pago, Ualá, Brubank, etc.). It uses the same algorithm as CBU but is reserved for non-bank PSPs (Proveedores de Servicios de Pago). This tool validates both check digits and the required 000 bank-code prefix.
Validates locally — your data never leaves your browser. No tracking on input. Format and check-digit validation only.
Validates locally — your data never leaves your browser. No tracking on input.
How CVU validation works
A CVU has 22 digits with the same two-block structure as CBU. Block 1 (8 digits): bank code (always 000 for CVU) + 4 digits identifying the PSP + check digit. Block 2 (14 digits): account identifier + check digit.
The check-digit algorithm is identical to CBU: block 1 uses weights [7,1,3,9,7,1,3] mod 10, block 2 uses [3,9,7,1,3,9,7,1,3,9,7,1,3] mod 10. The only difference is the mandatory 000 prefix that distinguishes virtual from traditional bank accounts.
Argentine PSPs registered with the BCRA include Mercado Pago (00000031), Ualá, Brubank, Naranja X and others. This tool validates structure only — it does not confirm the PSP is active or that the account exists.
Frequently asked questions
Can I receive money in a CVU like in a CBU?
Yes. CVU is fully interoperable with CBU through the BCRA. Any Argentine bank or PSP can transfer to a CVU using the same DEBIN/transfer infrastructure as for CBU.
Why does the CVU always start with 000?
The BCRA reserved bank code 000 for non-bank PSPs when it created the CVU standard in 2020. The next 4 digits (positions 4-7) identify the specific PSP (e.g., 0031 = Mercado Pago).
Does this validator confirm the CVU is registered with a PSP?
No. Format and check-digit validation only. Confirming a CVU is active requires a query to the issuing PSP or the BCRA, which is not publicly accessible.
Can I validate CVU via API?
Yes. Normadata's Verify API validates CVU server-side and identifies the issuing PSP from the bank-code positions.
Want CVU validation in your app?
The Normadata Verify API validates CVU alongside CBU and 20+ Latin American identifiers with a single JSON call.
See the Verify API→