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Banco Plata

Banco Plata

A 100% digital bank

6.4K ratings
916 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • March 31, 2023
  • August 6, 2026

Features

Developer

Banco Plata, S.A., Institucion de Banca Multiple
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Banco Plata screenshot #1 for iPhone
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Banco Plata screenshot #10 for iPhone
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About

This financial app offers a credit card with real cashback rewards that can be used for payments or cash withdrawals. It provides extended payment deadlines, a user-friendly interface for managing your account, and fast, personalized card delivery. Additionally, it features an investment service to help grow your money.

✓Real cashback rewards
✓Extended payment deadlines
✓Digital card for secure online shopping
✓Fast and personalized card delivery
✓Easy-to-use app interface
✓Investment services with AI guidance
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What users say

Summarized from real user reviews of Banco Plata. Based on 6.4K reviews and a 4.8/5 average, it highlights the 9 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Smooth, easy to use
  • 🚀Efficient and fast
  • 💳Excellent credit card features
  • 💳Innovative credit card
  • 💳Great cash back and rewards
  • 🏆Excellent service and support
  • 🏆Friendly and helpful staff
  • 🏆Prompt and professional delivery
  • 🏆Seamless application process

Negative things

  • 💳Insufficient credit limit
  • 💳Confusing fees and charges
  • 🐛Occasional technical issues
  • 🔒Security concerns
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+1

What's New in Banco Plata

2.8.0

August 6, 2026

Extra protection from phone scams during sensitive actions. Cleaner, easier-to-read credit card statements. Share Banco Plata with friends and invite them to open their first product with us. Your money is protected by IPAB up to a certain amount. Our app keeps evolving to be simpler, safer, and easier to use.

More

Events

Read more about New: Save in USD!
AvailableMajor Update

New: Save in USD!

New feature: earn 6% on your USD cash

Jul 28, 2026 — Aug 28, 2026

Read More

Read more about Banco Plata is here
Event EndedMajor Update

Banco Plata is here

Plata 2.0: A whole new banking experience

Apr 22, 2026 — May 23, 2026

Read More

Read more about Banco Plata is here
Event EndedMajor Update

Banco Plata is here

Plata 2.0: A whole new banking experience

Apr 17, 2026 — May 18, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Good

Fast and good
Mr.Salazar91Mr.Salazar91

Hasta ahorita me gusta la

Me gusta, solo que no he obtenido cash por comprar mi canasta básica en tiendas de frutas
solo un idiomasolo un idioma

Todo bien

Hasta el momento todo muy bien.
Lo que no me gusta es que cobran comisión al querer pagar a meses sin intereses.
¿Porqué cobran comisión?
Al pagar comisión es como pagar intereses,
Múzquiz64Múzquiz64

Simplemente la mejor

Excelente no hay palabras
si , para q lo leas biensi , para q lo leas bien

Amazing cashback

Love the IHERB 10% cash back
Roman9acRoman9ac
See 911 more reviews

User experience

🐞

Reported Bugs

2 issues

Login screen freezes

Bug

Compatibility issues with older devices

Bug
✨

Requested Features

3 requests

Increase credit limit options

Feature

Provide more transparency on fees

Feature

Improve mobile app stability

Feature

FAQ

What does the Banco Plata app do?

The Banco Plata app provides a financial solution centered around its credit card. It allows users to manage their account, track transactions, and access features like real cashback rewards and extended payment deadlines. The app also offers an integrated investment service.

How does the cashback feature work?

The app's cashback feature provides rewards in real money (pesos) that users can use for monthly payments, purchases, or cash withdrawals. Users can also choose specific purchase categories to earn cashback on, offering a personalized reward experience.

What are the payment terms for the credit card?

The credit card offers up to two additional months to make payments without incurring late fees or penalties. This flexibility is designed to provide users with greater ease and control when managing their finances.

Is the app available on different devices?

While the description focuses on the mobile app's functionality, it implies availability for smartphones to manage credit cards and investments. Specific compatibility details for operating systems like iOS or Android are not explicitly mentioned but are standard for such applications.

What are the benefits of using the investment service?

The investment service allows users to easily, quickly, and securely invest in stocks, ETFs, and investment funds directly from their phone. It offers personalized guidance based on artificial intelligence, helping even new investors make informed decisions with low commissions and integrated financial education.