Plata vs LoanSmart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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!
LoanSmart
This app offers a comprehensive suite of financial calculators for loans and business needs. Easily compute EMIs, explore various loan types, and access over 20 business calculators for taxes, investments, and profit margins. Manage and compare loan scenarios with a clean, user-friendly interface.
- EMI Calculator
- Multiple Loan Types
- 20+ Business Calculators
- Loan Profile Manager
- Clean & Easy Interface
- Tax & Investment Calculators
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LoanSmart is your all-in-one financial calculator app for loans and business calculations. KEY FEATURES: EMI Calculator - Calculate monthly payments instantly Multiple Loan Types - Personal, Home, Business, Student & Mortgage 20+ Business Calculators - GST, VAT, SIP, PPF, FD, RD & more Loan Profile Manager - Save and compare multiple loan scenarios Clean & Easy Interface - Simple, fast, and user-friendly BUSINESS CALCULATORS: Tax: GST, VAT calculators Investment: SIP, PPF, FD, RD, SCSS calculators Profit: Margin, Markup, Gross Profit, Break-even Others: Discount, Sales, Price, Cash Counter & more Perfect for borrowers, business owners, and anyone managing finances!
Screenshots
Verdict
The clearest difference is ads: Plata at none against LoanSmart's shown. Plata also leads on ratings volume (7.2K vs 3) and monetization model (free vs ad-supported). On price, rating, update cadence 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
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 — 4.9 for Plata against 5.0 for LoanSmart. That said, the two scores are not equally well evidenced: Plata has 7.2K ratings behind it against 3, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 22, 2026 and October 14, 2026 respectively.
| Parameter | Plata | LoanSmart |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (7.2K ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 93.9% of reviews | — |
| Number of ratings | 7.2K — better | 3 |
| Update frequency | Fortnightly | Fortnightly |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 441 MB | 77 MB |
| Age rating | 4+ | 4+ |
| Developer | Banco Plata, S.A., Institucion de Banca Multiple | Giovanny Marin Villada |
Customer experience
Plata
LoanSmart
Bugs and 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
LoanSmart
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Plata
No in-app purchases
LoanSmart
No in-app purchases









