I use the Banco Ciudad debit card to pay for all purchases and rarely have any cash in my wallet. It's nice not dealing with the dirty paper. I'm happy to have a free local bank account with a debit card that keeps life simple.
While it's true that you would only get the "official" exchange rate if you used a foreign debit card to make a purchase or pay a bill in Argentina, the exchange rate is not an issue when using a debit card issued by an Argentine bank (such as a Banco Ciudad debit card as jantango does) to pay bills or pay for purchases made in Argentina.Except you get the official rate from your bank. I get above blue from Western Union.
I activated my TOKEN last week using email and not a cell phone. https://bancociudad.com.ar/cms/recursos/institucional/carpetarecurso/Landing/HBCustom/Token/Configuración de Token.pdfI just discovered that the new Home Banking system still requires the use of a TOKEN for bill payment. I don't have a cellphone, so I can't fulfill the requirement of a TOKEN.