miPlata Wallet
The financial app 1 for the Latino community
Get Started
Get paid with Direct Deposit
Virtual Visa® Debit Card 2
No account opening fees
International Money Transfers 3
No minimum balance
Your money without borders
Your plata,
without borders.
Because everyone deserves safe access to their money.

Made to fit you

We offer features built for the way the Latino community actually lives, 
from the U.S. to Latin America.

View Balance
in Multi-currency *

Self Cash Pick-Up

Virtual Visa Card

U.S. Account Details

International Transfers4

Wallet-to-Wallet

Global Access

Bilingual Support

Biometric Security

Same access to all miPlata Wallet’s core features.

Open your account with any ID

Open your account with any ID
Same access to all miPlata Wallet’s core features.
Our mobile banking app offers two distinct account types to serve your financial needs. The account type you're eligible for depends on your identification documentation. 5

Here’s what’s different:

Physical Visa Debit Card
Direct Deposit in U.S.
Bill Pay U.S.
FDIC insured up to $250k 6
Your money is protected up to $250,000 through our bank program, member FDIC.
Direct Deposit U.S. and Mexico*
Access to CLABE codes
Bill Pay U.S. and Mexico*
What is USDC? 7
USDC is the world’s largest regulated digital dollar, fully backed 1:1 by U.S. dollars. Safe, fast, and stable.

Learn more
Spend with confidence
The miPlata Visa Debit Card comes with Visa’s zero-liability policy 8, anti-fraud protection, and real-time notifications.
Secure every step
Biometric logins and PIN codes protect your account at every step, keeping your money safe and secure.

Your money stays with you

We make it easy to access your money whether you are in the U.S. or Latin America.

Use your card anywhere
No foreign transaction fees
Get cash when you need it
Pick up cash at over 100,000 retail locations across Latin America
Pay utility bills in Mexico
and the U.S.
More regions coming soon!
$0
No account maintenance fees
We don't charge you monthly just for having an account. Your money stays yours.
$0
No Minimum Balance
Start with any amount. No penalty for having a low balance.
$1.99≈
Competitive Money Transfers
Send money to Latin America with country-specific flat fees, starting as low as $1.99.
Exchange rates are based on mid-market rates. You'll see the exact number in the app before you confirm.
$0
No Foreign Transaction Fees
Use your Plata Visa® Card anywhere in the world without extra charges from us.
When converting currencies, Visa® charges their standard rate (around 1–3%).
$0
No Additional ATM Fees
Get cash locally and abroad with no additional charges from us.
Merchants or ATM operators may apply conversion rates or extra fees.
$0
No Overdrafts8
You can only spend what you have, so no negative balances. No surprises.

Your plata stays in your hands.

$0
No account maintenance fees
We don't charge you monthly just for having an account. Your money stays yours.
$0
No Minimum Balance
Start with any amount. No penalty for having a low balance.
$1.99≈
Competitive Money Transfers
Send money to Latin America with country-specific flat fees.
Exchange rates based on mid-market rates.
$0
No Foreign Transaction Fees
Use your Plata Visa® Card anywhere in the world.
$0
No Additional ATM Fees
Get cash locally and abroad with no extra charges from us.
$0
No Overdrafts*
You can only spend what you have. No surprises.

Send money home to your loved ones in Latin America

Our mission: flat exchange rates and one flat fee, every time you send.

Where we send
  • Mexico, Guatemala, Honduras, Argentina, Bolivia, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, Nicaragua, Paraguay, Peru, Uruguay.
No extra fees for the recipient
The amount shown on your transfer receipt is the full amount they receive.
Flexibility 
& Security
We give you a 30-minute window to cancel your transfer.
Bank deposit or cash pick up
You have the option to send money the best way for your loved ones.

You work hard for your plata.

We work hard to make it fast, simple, and secure.

Interested?
Get in touch.

  • WhatsApp: +1 (855) 635 2022

  • ayuda@miplata.com

1 - miPlata is a financial technology company, not a bank. Banking services are provided by our program bank, member FDIC, and Lead Bank managed by Bridge Ventures, LLC.
2 - miPlata Visa® Debit Card is issued by our program bank pursuant to a license from Visa U.S.A Inc. and may be used everywhere Visa debit cards are accepted.
3 - Money Transfers in this app are provided exclusively by Viamericas, a licensed money transmitter. miPlata provides the technology platform that enables access to these services, but it is not the licensed remittance provider. Before confirming any transfers, you will receive a complete disclosure of applicable fees, exchange rates, and estimated delivery times, along with information about your rights and protections under U.S. federal and local laws. For information about state licenses and the state regulators performing oversight over Viamericas, please visit the State Licensing section of their website.
4 - miPlata sends money transfers to México, Guatemala, Honduras, El Salvador, Argentina, Bolivia, Brasil, Chile, Colombia, Costa Rica, República Dominicana, Ecuador, Perú and Uruguay.
5 - Account enrollment for FDIC-insured miPlata debit accounts is currently available to ITIN and SSN holders only.
6 - Only miPlata USD debit accounts are FDIC insured up to $250,000 per depositor through our bank program, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Bank Program, Member FDIC, if certain conditions have been met.
7 - miPlata USDB accounts are not backed by FDIC protections.
8 - Visa’s Zero Liability Policy protects you from unauthorized charges made with your account or account information.
9 - Your Account doesn't allow negative balances. Transactions are declined if you don’t have enough funds. In rare cases, a transaction may settle for more than the authorized amount and temporarily result in a negative balance — we don't charge overdraft or negative balance fees.
*- Numbers shown are for illustrative purposes only and do not reflect actual amounts. Excludes taxes and other deductions processed after payroll.