Spin by OXXO vs Plata
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spin by OXXO
Manage your finances with a digital account and a Visa card accepted nationwide. Open an account in minutes, deposit and receive transfers instantly, and enjoy exclusive benefits at OXXO stores and other merchants. Securely make purchases online and in-store, pay bills, and top up your phone credit.
- Open digital account in minutes
- Get a Visa card accepted nationwide
- Instant deposits and transfers
- Exclusive benefits at OXXO stores
- Secure online and in-store purchases
- Pay bills and top up phone credit
- Receive international deposits
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Tus finanzas, más fáciles y cerca de ti. Con Spin by OXXO abre tu cuenta digital en minutos y obtén una tarjeta Visa aceptada en todo México. Olvídate de hacer filas en el banco; deposita y recibe transferencias en segundos. Maneja tu dinero desde una app segura y sencilla, con beneficios increíbles en tiendas OXXO y miles de comercios. Lo que puedes hacer con Spin by OXXO: Abre tu cuenta digital sin costo Sin los trámites largos de los bancos tradicionales, solo sigue los siguientes pasos: Descarga la app. - Ingresa tu número celular y correo electrónico. - Escanea tu INE. - ¡Listo! Empieza a recibir dinero en tu cuenta, comprar con tu tarjeta virtual, ¡y más! Además, obtén tu tarjeta física Spin by OXXO en minutos en tu tienda OXXO más cercana. Acumula más puntos Spin Premia en OXXO Al pagar con tu tarjeta Spin by OXXO en tiendas OXXO. Usa tus puntos para pagar total o parcialmente tus compras, o para recargar tiempo aire desde tu app. Beneficios exclusivos en OXXO Disfruta de promos exclusivas al usar tus tarjetas física o digital en tiendas OXXO. ¡Por tiempo limitado! Encuentra nuevas promociones y ahorra ¡siempre! Envía y recibe transferencias en segundos Haz cualquier transferencia desde tu app Spin by OXXO y recibe dinero desde cualquier banco en México de forma rápida y segura. Además, retira y deposita efectivo en más de 24,000 tiendas OXXO. Compras seguras con tu Spin by OXXO Haz todas tus compras físicas o en línea con la seguridad de contar con una tarjeta respaldada por Visa. - Compra en cualquier tienda o establecimiento físico. - Realiza tus compras en línea, más rápido y fácil con la tarjeta digital incluida en tu cuenta Spin by OXXO. - Recarga tiempo aire a tu celular o al de tus amigos al instante. - Paga tus servicios de luz, agua, internet, telefonía y más, directamente desde tu app. - Paga con QR en tiendas OXXO directo desde tu cuenta digital. Recibe depósitos del extranjero Ahora recibir depósitos de tus seres queridos que viven en el extranjero es más fácil, rápido y directo en tu cuenta Spin by OXXO. Descarga Spin by OXXO, gestiona tus finanzas fácilmente y aprovecha beneficios únicos cerca de ti.
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.
- 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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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
Verdict
Spin by OXXO and Plata both sit at 4.8 stars, but that hides the real split: 94% of Plata's written reviews are positive against 44% of Spin by OXXO's. Spin by OXXO's advantage is iOS requirement (15.6 vs 17.0). On price, rating, ratings volume and update cadence 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for Spin by OXXO against 4.9 for Plata. Both are backed by a comparable volume of ratings — 6.2K and 7.5K respectively. Written reviews are what separate them: 44% of Spin by OXXO's written reviews are positive against 94% of Plata's.
Spin by OXXO ships an update every 8 days, Plata fortnightly. The most recent releases landed on November 7, 2026 and November 10, 2026 respectively.
| Parameter | Spin by OXXO | Plata |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (6.2K ratings) | 4.9 (7.5K ratings) — better |
| Positive reviews | 44.3% of reviews | 94.0% of reviews — better |
| Number of ratings | 6.2K | 7.5K — better |
| Update frequency | Every 8 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 17.0 |
| Further details — not scored | ||
| Size | 187 MB | 464 MB |
| Age rating | 4+ | 4+ |
| Developer | CADENA SERYS DE RECOLECCION SA DE CV | Banco Plata, S.A., Institucion de Banca Multiple |
Customer experience
Spin by OXXO
Plata
User reviews
Spin by OXXO
From 6.2K App Store ratingsWhat we love
- ⭐ Excelente
- 👍 Rápido y fácil
- 🚀 Funciona perfectamente
- 👍 Muy conveniente
- 👍 Cero problemas
Room to improve
- 🐛 No funciona
- 🐛 Diario tengo que actualizar mis datos
- 🐛 Cada ves que ocupas entrar requiere una actualización
- 🐛 Transferencias tardan en llegar
- 🐛 No me deja si quiera dar de alta la tarjeta
Plata
From 7.5K App Store ratingsWhat we love
- 👍 Smooth, easy to use
- 🚀 Efficient and fast
- 💳 Excellent credit card features
- 💳 Innovative credit card
- 💳 Great cash back and rewards
Room to improve
- 💳 Insufficient credit limit
- 💳 Confusing fees and charges
- 🐛 Occasional technical issues
- 🔒 Security concerns
Bugs and requests
Spin by OXXO
Reported bugs
24 issues- No deja actualizar
- Transferencias
- Tarjeta spin
- Excelente
- Recuperación de contraseña
Show 19 moreShow fewer
- Deserciones
- No me deja entrar a la app
- Desconfianza
- Problema con app
- Te roban el dinero
- La cuenta no me deja recibir transferencias
- Problema con Contraseña
- No abre
- PÉSIMO
- No dan solución en nada
- No la bajen
- Pésima no la descogen porque te roban
- Can't login
- No funciona
- Decepción
- No funciona en mi iPhone
- Pésimo servicio
- No te puedes registrar
- Puros Fallos
Requested features
1 request- Mejoras que debe aver
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
Spin by OXXO
No in-app purchases
Plata
No in-app purchases






