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MODO

MODO

by Play Digital SA

1.3K ratings
85 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • September 24, 2021
  • July 16, 2026

Developer

Play Digital SA
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About

Simplify your daily life by connecting bank accounts and cards. Pay with QR or contactless, discover instant benefits and discounts, and access various services like recharges and gift cards. Transfer money easily to contacts without needing their bank details.

✓Connect bank accounts and cards
✓QR and contactless payments
✓Discover instant discounts and benefits
✓Recharge services (SUBE, mobile, etc.)
✓Send money to contacts without CBU/alias
✓View all account balances
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What users say

Summarized from real user reviews of MODO. Based on 1.3K reviews and a 4.8/5 average, it highlights the 3 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 💰Excellent discounts and promotions
  • 💳Centralized payment options
  • ⚡Fast and efficient

Negative things

  • 🐛Frequent crashes and errors
  • 🔒Issues with identity verification
  • 🔌Compatibility problems with iOS updates
  • 🔍Unreliable search and promotion features
  • 🤖Poor customer support and unresolved issues
See all reviews
+1

What's New in MODO

2.36.1

July 16, 2026

¡Contanos qué te interesa! Ahora podés elegir tus categorías favoritas y armar tu perfil dentro de la app. ¡Actualizá la app y disfrutá de un MODO mejor!

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User reviews

Most RecentHighest RatedLowest Rated

Reintegros

A veces no dan los reintegros. Aún estoy esperando reclamos de los reintegros. Pago con este medio por esas razones, sino en efectivo me hace descuento también pero se supone que los reintegros es el lema de esta app.
caro.s96caro.s96

maso

los correos que me mandan me llegan con mensaje de posible spam, los selfies que te piden para comprobar que eres humano son un dolor de qlo, el teclado para escribir el token de seguridad de santander no funciona bien y al final no me acepta el token. Mucho lío solo para tener una app de pagar el colectivo.
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andresr255andresr255

No funciona

Solo da error y no permite ingresar ni corroborar datos. Hace meses está así y ni siquiera hay posibilidad de comunicarse con alguien para resolverlo
:Daniela St.:Daniela St.

No funciona

Solo da error y no permite ingresar ni corroborar datos
:Daniela St.:Daniela St.

LA MEJOR APP DE REINTEGROS DEL MUNDO

Es la mejor app existente, todas las promociones son con esta solo y encima te dan el reintegro en el momento!
chackychan!chackychan!
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User experience

🐞

Reported Bugs

3 issues

Login and registration failures

Bug

Inability to transfer funds or make payments

Bug

Glitches with QR code scanning

Bug
✨

Requested Features

3 requests

Add NFC payment support

Feature

Improve notification settings

Feature

Streamline account management and linking

Feature

FAQ

What does MODO do?

MODO simplifies your daily life by allowing you to connect your bank accounts and cards in one app. You can use it to make payments via QR or contactless, discover instant benefits and discounts from your banks and cards, and access various services like recharges and gift cards. It also facilitates easy money transfers to your contacts.

How can I pay with MODO?

You can pay with MODO using QR codes or contactless technology in physical stores, online shops, and for transportation. The app will show you which payment method has a promotion when you are about to pay, helping you save money.

Is MODO free to use?

Yes, MODO is free to use. The app does not charge any commissions for your transactions. You can associate your bank accounts and cards without any cost.

What kind of services can I access through MODO+?

Through MODO+, you can access a variety of services for your daily needs. This includes recharging SUBE, mobile phones, DIRECTV, and Telecentro. You can also gift PlayStation gift cards, contract services like Sony One and Pax Assistance, buy tickets with Plataforma 10, and donate to charitable organizations.

How do I transfer money with MODO?

You can transfer money directly to the bank account of your phone contacts without needing their CBU or alias. You can also send money to your own accounts. This feature makes sending money to friends and family quick and easy.