The essentials
What is the Banco Plata Crypto Card?
A Mastercard credit card topped up with cryptocurrencies from any wallet. Pay in Mexican pesos anywhere in the world and earn 2x cashback (4%) in USDT on every purchase. No annual fee, no middlemen for your crypto.
How do I get my card?
Tap "Get my Crypto Card", complete the form (2 minutes), pass KYC verification with your ID, and receive approval within minutes. Applications approved before November 1st, 2026 join the $500,000 crypto balance + 2x cashback promo.
How much does it cost?
$0 annual fee, forever. You only pay 1.5% when topping up with crypto and 1.0% on crypto → MXN conversion. No hidden costs: the average CAT is 164.2% excluding VAT on the revolving scenario, but if you pay your balance in full, you accrue no interest.
Wallets and crypto
Which crypto wallets do you accept?
All of them. MetaMask, Trust Wallet, OKX Wallet, Bitget Wallet, Bybit Wallet, Binance Wallet, Coinbase Wallet, WalletConnect, Ledger, Trezor, Phantom, Tonkeeper, Exodus, Rainbow, SafePal… and any self-custodial or exchange wallet compatible with supported networks. If you can send USDT, you can top up your card.
Which blockchains do you support?
Tron (TRC-20) — recommended, fast and cheap · Ethereum (ERC-20) · BNB Smart Chain (BEP-20) · Polygon · Solana · TON · Arbitrum · Base · and Bitcoin with automatic conversion to USDT.
Can I connect my wallet directly from the web?
Yes. During the application flow you can connect your wallet (WalletConnect / browser extension) to auto-fill your top-up address and verify network compatibility. MetaMask, Trust, OKX, Bitget, Bybit and Coinbase connect in one click.
How long does a top-up take?
1–10 minutes depending on the network. TRC-20 usually confirms in 1–3 minutes. Your card balance updates as soon as the blockchain confirms the transaction.
Is my crypto balance protected?
It is held in multisig wallets with regulated custodian partners, the majority in cold storage. Like all crypto assets, it is not IPAB-covered — which is why we apply the same security standards as the leading global exchanges.
Cashback and promos
How does 2x cashback work?
Every eligible purchase returns 4% in USDT, credited within 5 business days. Spend it, convert to pesos, or withdraw to your wallet at no extra cost. Monthly cap: $10,000 MXN. Valid for cards approved before November 1st, 2026.
What is the $500,000 promo?
Early customers approved within the campaign receive a welcome crypto balance of up to $500,000 MXN in equivalents, unlocked through card usage milestones (top-ups and purchases), plus lifetime 2x cashback. Full conditions in the promotion section.
Security and AML
Who is responsible for AML compliance of my funds?
You, as the owner of the funds. Banco Plata operates as a regulated financial institution: you must declare your crypto comes from lawful activities. We monitor transactions under current anti-money-laundering regulation.
Can you freeze my balance?
Yes — like any regulated bank, we may temporarily freeze a balance and launch a source-of-funds verification if AML systems flag unusual activity. It is industry standard. You submit documentation (exchange statements, proof of origin) and the balance is released within 3–15 business days. With lawful funds, you will never face friction.
What documents might a verification require?
Official ID, proof of address, and evidence of the origin of funds: exchange history, mining/staking receipts, sale contracts, payroll or bank statements. The clearer the origin, the faster the release.
What if I lose my card?
Lock it instantly from the app and request a replacement ($99 MXN). Balances stay protected; previously authenticated transactions remain valid.
Support
How do I contact support?
Write to support@platacrypto.mx — available 24/7, replies in under 24 hours. For AML cases, a dedicated agent guides you through the entire verification process.