The card that bridges your crypto and your money
The Banco Plata Crypto Card works like any credit card, but tops up with cryptocurrencies from any wallet on the market. No annual fee, 2x cashback paid in crypto, worldwide acceptance (Mastercard).
In numbers: top up from 1 USDT · activation in under 10 minutes · 2x cashback paid in USDT · zero annual fee for life.
How it works — 3 steps
| Step | What you do | Time |
|---|---|---|
| 1. Apply | Register and complete KYC verification (ID + selfie) | 3–5 minutes |
| 2. Top up | Send USDT or other crypto from your wallet to the card address | 1–10 min (by network) |
| 3. Spend | Pay anywhere, online or in-store; 2x cashback lands in USDT | Instant |
We accept every crypto wallet
You can top up from virtually any wallet, self-custodial or exchange-based:
Supported networks
We recommend Tron TRC-20 for top-ups: 1–3 minute confirmation and minimal network fees.
Fees and transparency (CAT)
| Concept | Cost |
|---|---|
| Annual fee | $0 — no annual fee, permanent |
| Crypto top-up | 1.5% of amount |
| Crypto → MXN conversion | 1.0% (spread included) |
| Fixed annual rate (only if you revolve) | 15% |
| Average CAT | 164.2% excluding VAT |
| Replacement (lost card) | $99 MXN |
What does CAT mean? CAT (Costo Anual Total / Total Annual Cost) is a Mexican regulatory indicator expressing the total annualized cost of credit, including interest and fees, excluding VAT. It is calculated on a representative revolving-balance scenario. If you pay your balance in full — as most of our customers do — your real cost is $0 in annual fee and interest; only 1.5% per top-up and 1.0% per conversion apply.
Security and custody
- Cold storage for the majority of assets.
- Hot wallets protected with multisig.
- End-to-end encryption and 24/7 anti-fraud monitoring.
- Crypto assets are not IPAB-protected (that's how the entire crypto ecosystem works).
AML compliance — what you should know
You are responsible for the origin of your funds. As a financial institution, Banco Plata may temporarily freeze a balance and launch a source-of-funds verification when anti-money-laundering systems flag activity. It is a standard industry process: submit your documentation and the balance is released within 3–15 business days. Operating with lawful funds = zero friction.
Current promotion
Up to $500,000 MXN in crypto balance + 2x cashback for applications approved before November 1st, 2026. Zero annual fee for life. Subject to approval.