kubo.financiero 2.8.2

Experience the kubo.financiero experience!

Save, invest, send and receive money, make purchases with your debit card, and finance your projects with a loan, all from your mobile phone!

We are a Mexican company regulated and supervised by CNBV and Condusef, so your money and information are secure.

Open your account in minutes and enjoy your money!

Quick online loans.

• Borrow up to $100,000 MXN without collateral.
• Get pre-approved in 5 minutes.
• Sign your contracts and receive your money in 1 day.
• Pay off early without penalty.
• Inquire about income verification options without a payslip.

Investments with attractive returns.

• Invest from $50 MXN for terms between 3 days and 541 days.
• Receive your returns at the end of the term or reinvest to generate compound interest.
• Achieve a maximum return rate of 14.60% over an 18-month term.
• Create investment groups with family members, colleagues, or close friends.
• Achieve your savings goals and earn returns at the same time!

Secure and available savings.

• Forget about account management fees.
• Save without the need to maintain minimum balances.
• Send and receive transfers 24/7.
• Earn an annual return of 2%* on your available money.
• Create investments and receive returns directly from your savings account.

Free Visa® debit card.

• Use the virtual card to shop online and authorize each transaction with a dynamic CVV.
• Pay at establishments with the physical Visa® card and sign with your PIN.
• Make contactless payments for purchases up to $400 MXN with Contactless® technology.
• Access exclusive promotions just for paying with your kubo Card.
• Turn your card on or off from your app.

Bill payments and mobile top-ups.

• Pay your electricity, cable, telephone, internet, toll, and gas bills.
• Top up your mobile phone and save frequent numbers.
• No extra charges and all from your mobile phone.

Download the kubo.financiero App!

Privacy notice:
https://www.kubofinanciero.com/aviso-legal/aviso-de-privacidad

*Terms, conditions, fees, and commissions for products and services at www.kubofinanciero.com. kubo.ahorro nominal annual total cost (CAT) 2.00%, real total cost (RAT) -2.63%, kubo.plazofijo nominal annual total cost (CAT) 5.65%, real total cost (RAT) 0.86%, before taxes. Calculation date: 16/03/2023. RAT valid until 16/09/2023. Minimum investment amount of $1.00 MXN and $50.00 MXN, respectively. RAT adjusted for estimated inflation. Rates subject to change. Product protected by the Protection Fund up to 25,000 investment units per individual or legal entity. Goals and Groups are kubo.plazofijo modalities.

Loan example:

Minimum period and maximum period for repayment of the loan.

Minimum period: 4 months

Maximum period: 36 months

Maximum effective annual interest rate (APR).

Minimum APR: 16.50%

Maximum APR: 77.61%

Representative example of the total cost of the loan, including the main commissions and all applicable fees (e.g., monthly payment or sample interest calculation).

Amount: $50,000

Payment frequency: Monthly

Monthly installment: $9,938.32

Average APR: 54.59%

Payment term: 6 months

Opening commission: $1,192.58 (2% of the total)

Credit maintenance commission: $2,981.45 (5% of the total)

Total cost: $59,629.92