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FONDEA | Personal

FONDEA | Personal

by Fondeadora 2.0 SAPI de CV

412 ratings
51 reviews
With Ads
💼 Business
💰 Finance
Free
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Details

  • Released
  • Updated
  • June 15, 2019
  • July 14, 2026

Features

Developer

Fondeadora 2.0 SAPI de CV
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About

Open a digital account in minutes with just your ID. Enjoy a virtual card for online purchases and subscriptions, with the option to request a physical card. Send and receive money instantly, 24/7, with no fees. Organize savings for special goals and earn annual returns on your deposited funds.

✓Digital account opening
✓Virtual and physical cards
✓Instant money transfers
✓Personalized savings goals
✓Earned interest on savings
✓Apple Pay integration
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What users say

Summarized from real user reviews of FONDEA | Personal. Based on 412 reviews and a 4.7/5 average, it highlights the 9 positives and 11 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Fast and quick transfers
  • 💳Excellent for international purchases and USD transactions
  • 👍User-friendly and beautiful app design
  • ⚡Quick and responsive customer support
  • 🌍Works well for users abroad (Canada, USA, etc.)
  • 💰Good exchange rates for international transactions
  • 🔄Stable app performance overall
  • 📱Simple and easy to use interface
  • ✅Quick card delivery via DHL

Negative things

  • 🐢App is slow and takes too long to load
  • 🔐Frequent unexpected logouts
  • 💳High commission fees for physical card requests
  • ⚠️Account balance capped at 20,000 pesos
  • 🚫Limited deposit methods (SPEI only)
  • 🐛App freezes and crashes intermittently
  • 📵ID recognition software unreliable
  • ⏳Long wait times for account activation
  • 🔒Security concerns and fraud reports
  • 💸Transaction delays and failed transfers
  • 🌐Requires phone number login from abroad (impractical)
See all reviews

What's New in FONDEA | Personal

8.1.108

July 14, 2026

Muy pronto llegarán nuevas funcionalidades a la app. Mientras tanto, mejoramos el inicio de sesión para que acceder a tu cuenta sea más rápido y confiable, además de corregir errores y realizar mejoras de rendimiento. Gracias por confiar en Fondeadora.

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User reviews

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Improve it!

Consider add virtual cards, like create edit cards at any time. Cash deposits. I have Fondeadora Black and really need that!

With that my card will not be unsecured!
Frederich’sFrederich’s

Response from developer

¡Genial! Nos encanta recibir feedback constructivo de nuestros usuarios. Estamos tomando nota de todo lo que nos has compartido y trabajando en mejoras para que tengas la mejor experiencia en nuestra app. 🤘

Lenta

Dura 20 años en lo que abres la app y entras a tu cuenta, entiendo que quieran agregar animaciones pero si necesito usar la app es para acceder a mi cuenta rápido no para que me entretenga (y esto es aún quitando la “frese del día”) pero el servicio que brinda es muy bueno por eso se lleva 4 estrellas.
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Userrrrrrrrr..Userrrrrrrrr..

Response from developer

¡Gracias por tu comentario! Nos encanta escuchar lo que nuestros usuarios tienen que decir. Estamos trabajando duro para implementar todas las sugerencias que recibimos y hacer de nuestra app la mejor en el mercado. 👊

RFC PROBLEMS FROM THE START

Opened my account with the wrong RFC and still hasnt been able to create savings account.
AE4880AE4880

Response from developer

¡Hola! Sabemos que puede ser frustrante experimentar problemas con nuestro servicio 😩 Pero por favor, no dudes en contactarnos en el chat de soporte o a través de nuestro correo electrónico soporte@fondeadora.com y haremos todo lo posible para resolver cualquier problema 🤞

He tenido una muy mala experiencia.

Llevamos usando la cuenta ya mas de 1 año, habíamos tenido un par de problemas, aunque nada grave. Pero ahora ya van casi 2 días, que las transferencias que hicimos, salen como completadas, pero no se han depositado. Como empresa tener tus flujos de efectivo inmediatamente, es muy importante, ya que el no poder pagar la nomina, proveedores, o impuestos puede tener implicaciones muy importantes. El servicio a cliente solo me ha dado largas, diciendo que el problema no es suyo sino de STP, y que no saben cuando se solucionara, pero me avisan cuando quede. Les recomiendo que no usen esta cuenta como su cuenta principal, lamentablemente los bancos grandes siguen siendo los mas confiables.
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GRUPO BCGRUPO BC

Response from developer

Lamentamos cualquier inconveniente que hayas experimentado 😔 Si necesitas ayuda con cualquier cosa relacionada con nuestro servicio, por favor contáctanos en el chat de soporte de la aplicación o a través de soporte@fondeadora.com 📲

Log in con número Tel

Es muy poco práctico que se salga de la sesión y tener que ingresar con el número de celular, cuado estoy en el extranjero pierde todo el sentido y tengo que recurrir a otras alternativas bancarias.

Es un lástima de verdad la usaba bastante.
CapriFomoCapriFomo

Response from developer

¡Hola! Sentimos mucho que hayas tenido problemas con nuestro servicio 😔 Por favor, escríbenos en el chat de soporte de nuestra aplicación o envíanos un correo electrónico a soporte@fondeadora.com y haremos todo lo posible para ayudarte 🤝

See 46 more reviews

User experience

🐞

Reported Bugs

9 issues

App logs out unexpectedly and won't log back in

Bug

Blank/white screens when accessing account

Bug

Transfers show as completed but don't deposit

Bug

Slow transaction loading on iOS 16

Bug

ID recognition software fails to scan documents

Bug

SMS verification messages not arriving

Bug

Balances disappear and reappear randomly

Bug

App freezes during purchases

Bug

Card cloning incidents reported

Bug
✨

Requested Features

11 requests

Virtual cards (create/edit anytime)

Feature

Cash deposits at convenience stores (OXXO, Farmacia Guadalajara)

Feature

Apple Pay integration

Feature

Increased monthly spending limits

Feature

Ability to pay bills and make recharges

Feature

Credit card option

Feature

More ATM withdrawal locations

Feature

Online account statements access

Feature

More visible balance display on app entry

Feature

Better Metal card benefits

Feature

Improved RFC verification process

Feature

FAQ

What is FONDEA | Personal?

FONDEA | Personal is a digital banking application that allows users to open an account in under 3 minutes using just their official identification. It provides features like a virtual card for online transactions, instant money transfers, and personalized savings options with annual returns.

What are the key features of FONDEA | Personal?

Key features include opening a digital account quickly, a virtual card for online purchases and subscriptions, the ability to add the card to Apple Wallet, sending and receiving money 24/7 without fees, creating personalized savings "apartados" for specific goals, and earning a 9% annual return on savings held for 30 days.

How much does FONDEA | Personal cost?

The app itself is free to download and use. While the description mentions costs and commissions, it directs users to www.fondeadora.com for details. The core functionality of opening an account and basic transfers appears to be free, with potential charges for specific services or card issuance.

Is my money protected with FONDEA | Personal?

Yes, your money is protected by the Fondo de Protección de Sociedades Financieras Populares y de Protección a sus Ahorradores, guaranteeing resources up to 25,000 UDIS. The app is also a product of Fondea Technologies S.A. de C.V. SFP, which is supervised by the Federal Government.

Who is FONDEA | Personal for?

This app is designed for individuals aged 18 and over who are looking for a convenient and modern way to manage their finances. It's ideal for those who want to open a digital account quickly, make instant transfers, and save money with the potential to earn interest on their deposits.