Comparison

SXKM vs Plata

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SXKM

This app offers a unique insurance model in Mexico where you pay only for what you use. It combines a fixed membership with the purchase of kilometers for broad coverage and benefits.

Highlights
  • Pay-per-use insurance model
  • Fixed membership fee
  • Purchase kilometers for coverage
  • Broad coverage options
  • Exclusive benefits
Features
Read full description

SXKM es el primer seguro en México donde pagas únicamente por lo que usas. Con una membresía fija y la compra de kilómetros, SXKM te ofrece una cobertura amplia y grandes beneficios.

About

Plata

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.

Highlights
  • 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
Features
Read full description

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 finance, designed around people. We offer real benefits and value your time, so we eliminate waiting and branch visits. Plata 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!

Screenshots

SXKM3 screens
Plata4 screens

Verdict

The call

The clearest difference is review sentiment: Plata at 94% against SXKM's 9%. SXKM's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SXKM ships an update every 4 weeks, Plata fortnightly. The most recent releases landed on October 21, 2026 and October 22, 2026 respectively.

Scorecard3 real differences · 7 level
SXKM versus Plata: the parameters behind the verdict, then further details
ParameterSXKMPlata
PriceFreeFree
Rating—4.9 (7.2K ratings) — better
Positive reviews9.1% of reviews93.9% of reviews — better
Number of ratings—7.2K — better
Update frequencyEvery 4 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size44 MB441 MB
Age rating17+4+
DeveloperSXKM SA DE CVBanco Plata, S.A., Institucion de Banca Multiple

Customer experience

SXKM

Written reviews11 reviews
Positive9.1%
Neutral18.2%
Negative72.7%

Plata

All ratings7,168 ratings
Positive96.9%
Neutral1.8%
Negative1.3%
Written reviews1,058 reviews
Positive93.9%
Neutral2.2%
Negative4.0%

Bugs and requests

SXKM

Not enough reviews yet to summarise bugs or requests.

Plata

Reported bugs

2 issues
  • Login screen freezes
  • Compatibility issues with older devices

Requested features

3 requests
  • Increase credit limit options
  • Provide more transparency on fees
  • Improve mobile app stability

In-app purchases

None

SXKM

No in-app purchases

None

Plata

No in-app purchases

Questions

Is SXKM free?
SXKM is free to download, with no in-app purchases.
Is Plata free?
Plata is free to download, with no in-app purchases.
Do SXKM or Plata have ads?
Neither SXKM nor Plata shows ads.
Which is updated more often, SXKM or Plata?
SXKM ships an update every 4 weeks, and Plata fortnightly. Most recently, SXKM was updated on October 21, 2026 and Plata on October 22, 2026.

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