# Plata — Savings and payments — 100% digital experience > Financial app with real cashback credit card and investment services. (iPhone/iPad app by Banco Plata, S.A., Institucion de Banca Multiple.) - Source: https://appshunter.io/ios/app/plata-savings-and-payments/id6443932656 (this page in markdown: same URL + `.md`) - Developer: [Banco Plata, S.A., Institucion de Banca Multiple](https://appshunter.io/developer/1650726978) - Category: Finance - Price: Free - Rating: 4.80/5 from 6,725 App Store ratings · 965 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 441 MB - Languages: American English, European Spanish - Released: 2023-03-31 - Data updated: 2026-09-02 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/plata-savings-and-payments/id6443932656/reviews.md ## What is Plata? Plata helps you manage your finances simply, securely, and all in one place. From the app, you can access the products and services available in your country, review your transactions, and stay in control of your money. Plata is a digital banking experience designed for people. We offer real benefits and value your time, so we eliminate waiting and branch visits. Your bank is always with you, with 24/7 support available wherever you are. Apply for your cards and choose where, when, and at what time you want to receive them. Mexico In Mexico, enjoy Banco Plata products and manage your finances directly from the app. Plata Crédito Shop with your physical or digital card and manage your credit directly from the Plata app. Review your transactions, payments, and all your card information in one place. You have up to 60 days to make your payment without late payment fees or penalties, subject to the applicable terms of your card. Plus, earn up to 15% cashback in the categories you choose. Use it to make payments, shop, or access your funds, subject to the applicable terms. Plata Cuenta The only debit card with up to 15% returns on your savings and up to 15% cashback in the categories you choose. Grow your money with Inversiones Access investment options from your phone. Invest in available stocks, ETFs, and investment funds, and use tools and information to help you make decisions about your money. Investment services are offered by Asesor en Inversiones Plata, S.A.P.I. de C.V., an entity regulated by Mexico’s National Banking and Securities Commission (CNBV), registration number 30165. See applicable interest rates, CAT, fees, and Terms and Conditions at bancoplata.mx. Support: help@bancoplata.mx | +52 55 9777 9000 Banco Plata, S.A., Institución de Banca Múltiple, Mariano Escobedo 476, Piso 1, Col. Anzures, Alc. Miguel Hidalgo, CDMX, C.P. 11590 Colombia In Colombia, Plata Pay lets you access and manage your financial products directly from your phone. Plata Cuenta Review your transactions and account activity through a simple, easy-to-use experience. Earn returns and cashback in the categories you choose. Manage your money with ease With Plata Bolsillos and Plata CDT, organize your money by separating it for different goals or needs and earn returns. Financial products and services in Colombia are offered by Plata. S.A. Compañía de Financiamiento, an entity supervised by the Superintendencia Financiera de Colombia. See applicable rates, fees, Terms and Conditions, and other information at plata.co. Support: ayuda@plata.co | 01 8000 160 555 Plata. S.A. Compañía de Financiamiento, NIT 901.983.739-1, Carrera 11B No. 99-25, Piso 4, Bogotá D.C., Colombia Join Plata! ## Key features - 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 ## What do users think of Plata? Overall sentiment: positive **Pros** - 👍 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 **Cons** - 💳 Insufficient credit limit - 💳 Confusing fees and charges - 🐛 Occasional technical issues - 🔒 Security concerns **Commonly reported bugs** - Login screen freezes - Compatibility issues with older devices **Most requested features** - Increase credit limit options - Provide more transparency on fees - Improve mobile app stability ## Recent user reviews (10 of 965) All indexed reviews: https://appshunter.io/ios/app/plata-savings-and-payments/id6443932656/reviews.md ### 5/5 — Buena opción *2026-09-01, version 2.9.0* Estoy contento con su servicio! ### 5/5 — Super plata card *2026-08-30, version 2.9.0* Muy buen banco ### 5/5 — Easy to Use. Safer than Cash *2026-08-30, version 2.9.0* Easy to Use. Safer than Cash when you are traveling. ### 5/5 — Buena ap *2026-08-30, version 2.9.0* Es buena ### 5/5 — Crédito *2026-08-29, version 2.9.0* Lamentable que no tenga un limite superior me equivoque al solicitarla puse una cantidad por otra si no plata seria mi tarjeta principal estoy satisfecho con el servicio ### 5/5 — Excelente *2026-08-29, version 2.9.0* La mejor tarjeta que eh tenido excelente servicio ### 5/5 — Buena opción *2026-08-28, version 2.9.0* Muy buena opción sin estrés de movimientos y depósitos ### 5/5 — Mejor tarjeta *2026-08-28, version 2.9.0* La app súper eficiente y rápida todo el servicio de 10 ### 5/5 — Excelente TDC *2026-08-28, version 2.9.0* Fácil de utilizar, segura y muy práctica ### 5/5 — Esta tarjeta te saca de apuros *2026-08-28, version 2.9.0* Es muy buena opción y fácil de usar y entender ## Frequently asked questions about Plata ### 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. ## Version history (last 5 releases) ### 2.10.0 — 2026-09-01 Plata keeps growing! Moving money between your own accounts is faster - your app remembers how you did it last time. Smoother screens and a faster app overall. Share Plata with friends: invite your friends to open their first product with us. At Plata, our app keeps evolving to be simpler, safer, and easier to use. ### 2.9.0 — 2026-08-19 More at hand for your business Your statements and account options are easier to find. Smoother every day We keep polishing the app so it feels faster and easier to use. Share Banco Plata with friends — invite them to open their first product with us. Your money is protected by IPAB up to a certain amount. At Banco Plata, our app keeps evolving to be simpler, safer, and easier to use. ### 2.8.1 — 2026-08-10 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. ### 2.8.0 — 2026-08-06 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. ### 2.7.0 — 2026-07-22 Your statistics, clearer It's now easier to understand your activity and where your money goes. Share Banco Plata with friends Invite your friends to open their first product with us. Your money is protected by IPAB up to a certain amount. Coverage applies to the total balance across all your accounts at Plata. At Banco Plata, our app keeps evolving to be simpler, safer, and easier to use. ## Apps similar to Plata | App | Rating | Price | Category | | --- | --- | --- | --- | | [Apple Wallet](https://appshunter.io/ios/app/apple-wallet/id1160481993) | 4.8 (6,665,079) | Free | Finance | | [Mercado Pago: cuenta digital](https://appshunter.io/ios/app/mercado-pago-cuenta-digital/id925436649) | 4.8 (76,809) | Free | Finance | | [Nu: Everyday mobile banking](https://appshunter.io/ios/app/nu-everyday-mobile-banking/id814456780) | 4.8 (24,506) | Free | Finance | | [Ualá](https://appshunter.io/ios/app/uala/id1279808159) | 4.7 (2,087) | Free | Finance | | [Revolut: Send, spend and save](https://appshunter.io/ios/app/revolut-send-spend-and-save/id932493382) | 4.7 (71,412) | Free | Finance | | [Stori - Crédito y Ahorro](https://appshunter.io/ios/app/stori-credito-y-ahorro/id1486481718) | 4.8 (381) | Free | Finance | ## Related topics [argentina banc](https://appshunter.io/ios/topics/argentina-banc) · [plata](https://appshunter.io/ios/topics/plata) · [plata credito](https://appshunter.io/ios/topics/plata-credito) · [plata pay](https://appshunter.io/ios/topics/plata-pay) · [btg pactual chile inversiones](https://appshunter.io/ios/topics/btg-pactual-chile-inversiones) · [pago directo](https://appshunter.io/ios/topics/pago-directo) · [vexi](https://appshunter.io/ios/topics/vexi) · [fiserv mpos](https://appshunter.io/ios/topics/fiserv-mpos) · [inssur](https://appshunter.io/ios/topics/inssur) · [banregio pago](https://appshunter.io/ios/topics/banregio-pago) · [cbnk banco de colectivos](https://appshunter.io/ios/topics/cbnk-banco-de-colectivos) · [matriz by primary](https://appshunter.io/ios/topics/matriz-by-primary) · [mejor cdt](https://appshunter.io/ios/topics/mejor-cdt) · [bancos de mexico](https://appshunter.io/ios/topics/bancos-de-mexico) · [nubank mexico](https://appshunter.io/ios/topics/nubank-mexico) · [r4 banco microfinanciero](https://appshunter.io/ios/topics/r4-banco-microfinanciero) · [plataforma 10](https://appshunter.io/ios/topics/plataforma-10) · [cingulo s.a.](https://appshunter.io/ios/topics/cingulo-s-a) · [gdocu sudespacho](https://appshunter.io/ios/topics/gdocu-sudespacho) · [banhcafe](https://appshunter.io/ios/topics/banhcafe) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*