I use Moneygram (another money transfer service) to transfer to Mercado Pago. I've been using it for a few months. Select "transfer to wallet." There's no fee, and the rate (when factoring in the WU fee) is better than Western Union most of the time (but worse than dolar blue these days).
Movements of money above certain (low) amounts have always been reported to and monitored by the AFIP at least during the 20 years I've been here, but that doesn't mean that it's a problem. There've been very few problems reported in these forums over the last 20 years by people who do transfers, and there are many posts by people who transfer much more than the amounts reported to the AFIP all the time, without ever having a problem. I'm one of those. I'm retired and I transfer money when I need it, frequently well above the amounts monitored by the AFIP. Of course, I could justify these transfers if it should ever become necessary, but it never has.
I've never heard of this happening here, and I've never seen this reported by anyone here on baexpats. That being said, if they couldn't justify the funds, maybe those people were doing something was raising obvious red flags.
I'd say that's always good advice in Argentina.
