Naranja X - Billetera Virtual

Manage your money with ease using cards, loans, returns, promos and more.

🤑 Manage your money from a single digital wallet and make it grow every day 🤑

Naranja X is the Argentine financial ecosystem designed to boost your money. With 40 years of history and the same trust you've always trusted, we've evolved to offer you everything in a single app: a high-yield savings account to generate daily returns, credit cards for zero-interest installment purchases, instant loans, dollar purchases, and all the payment solutions you need to take your business to the next level.

⬆️ A digital account for everything you need
- Daily returns with one of the highest annual nominal rates (*).

- A digital account in pesos with no maintenance fees (*).

- Buy and sell dollars.

💳 Installment payments with cards and loans
- Cards with just your ID and a selfie. Naranja X, Visa, and Mastercard.

- Instant virtual card, no waiting for the physical card.

- Up to 3 interest-free installments with Plan Z.
- Pay for your purchases in installments.

- An app where you can request an online loan at a lower rate (**).

- Additional credit card, with no issuance fees.

📱 Mobile Payments and Transfers
- Mobile payments at no extra cost.

- Shop at thousands of physical stores with your mobile phone.

- Scan the QR code and pay contactless.

- Pay with the money in your account at all merchants that accept QR codes. It's interoperable.

- Make commission-free transfers to any digital wallet (CVU) or bank account (CBU).

💡 Top-ups and Bill Payments
- Pay your electricity, water, gas, phone, satellite TV, internet, and other bills online.

- Set up automatic debit for services.

- Top up your mobile phone, whether it's Personal, Movistar, Tuenti, or Claro.

- Top up your transit card (SUBE, Red Bus Córdoba, Metropolitana, Ciudadana, and Saeta).

🛒 Accept payments at your business with Naranja X
- Receive payments with 0% commission for the first 3 months.

- Manage your business's revenue from the app.

- Accept contactless payments with Cobro TAP from the Naranja X app.

- Offer payments in 1, 2, or 3 interest-free installments with Plan Z.

- If you have a payment terminal, register your business to accept Naranja X credit cards.

(*) This account is offered by Naranja Digital Compañía Financiera S.A.U., a financial institution authorized by the Central Bank of Argentina.

(**) Credit cards are issued by Tarjeta Naranja S.A.U., a non-financial credit card issuer. Subject to credit approval.

1) Loans are marketed by Naranja Digital Compañía Financiera S.A.U., a financial institution authorized by the Central Bank of the Argentine Republic, and Tarjeta Naranja S.A.U., a non-financial issuer of credit cards, and are valid only in the Argentine Republic. Subject to credit policies and the French amortization system, with fixed installments in Argentine pesos. Term: Maximum 48 months. Minimum term: 15 days. Minimum loan amount: $10,000. Maximum loan amount: $9,000,000.

2) Minimum Rates: Annual Percentage Rate (APR): 59%, Annual Effective Rate (AER): 77.88%, Total Cost of Financing (TCFEA): 100.06%. Maximum Rates: Annual Percentage Rate (APR): 145%. Annual Effective Rate (AER) 293.09% Annual Effective Total Financial Cost (AETFC) 414.24%.

3) Example: A loan of $10,000 for 12 months. Interest (including VAT): $11,780.51 Representative Annual Nominal Rate (ANR): 145%. Total amount to pay: $21,780.51

4) https://www.naranjax.com/politica-de-privacidad

Naranja Digital Compañía Financiera S.A.U: Teniente General Juan Domingo Perón 430, 19th floor. Autonomous City of Buenos Aires. Tarjeta Naranja S.A.U: La Tablada 451. Córdoba.