Mexico
activeNeobank
- HQ
- Mexico City
- Fee
- Freemium / credit SKUs — confirm live
kubo.financiero
Mexican SOFIPO. CNBV. Fondo de Protección 25,000 UDIS. Not IPAB. Not Klar.
Tap a star to jump to reviews
5.9Caution
AlternativesFive questions
At a glance
Is it a bank?
No. kubo.financiero is not a bank. Your money sits with Ku-Bo Financiero, S.A. de C.V., S.F.P..
If it fails?
SOFIPO Fondo de Protección up to 25,000 UDIS per person — not IPAB. Same legal family as Klar, different company.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Product-priced — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
5.9
/10 · Caution
Ku-Bo Financiero is a CNBV SOFIPO, Nivel I. Fondo de Protección up to 25,000 UDIS. That is not IPAB and it is not Klar’s app. Keep a banco current account. Use kubo for the ahorro/crédito SKU if the rate wins. Directories that file it as a digital bank are selling a SOFIPO as a charter.
What it is
Mexico, 2012-era popular-finance shop with an app. CONDUSEF ficha is the adult page. Nu’s bank conversion is a different file. albo is IFPE. Three Mexican objects, three schemes.
Best for: Mexico residents shopping SOFIPO yield who already keep a banco salary account.
Last checked 2026-08-30. Not advice.
What it does well
- +Named CNBV SOFIPO
- +Fondo de Protección
- +Longer-running than the 2020 wave
- +CONDUSEF-listed
What to watch
- −Not IPAB
- −Nivel I product limits
- −SOFIPO sector risk
- −Not Klar and not Nu
Who holds the money
The account
How money actually moves
- Who holds the cash
- Issued / held via Ku-Bo Financiero, S.A. de C.V., S.F.P.
- How money moves
- In-app ledger
- Built for
- Personal · Investing
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- kubo.financiero lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
SOFIPO Fondo de Protección up to 25,000 UDIS per person — not IPAB. Same legal family as Klar, different company.
Who holds the money: Ku-Bo Financiero, S.A. de C.V., S.F.P.
- CNBVSOFIPO — Ku-Bo Financiero, S.A. de C.V., S.F.P. Nivel I · Mexico
Fees
- Monthly
- Product-priced — confirm live
- FX markup
- Not a travel bank
- ATM
- If a debit exists — network
- Interest
- Inversión / ahorro — rates move
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- MXN SOFIPO savings / credit
- 25,000 UDIS protection
- CNBV Nivel I
- Debit adjacency
- Not a banco
Score
- Safety25%
- 5.8
- Fees20%
- 7.0
- Features15%
- 6.8
- App15%
- 6.8
- Global15%
- 2.6
- Support10%
- 6.0
Change log
Full logLicence
CNBV SOFIPO Nivel I — 25,000 UDIS, not IPAB
Ku-Bo Financiero. Same legal family as Klar, different company.
Available in
Straight answers
FAQ
01Is kubo.financiero a bank?
kubo.financiero is not a licensed deposit-taker in the classic sense. Money, if any, sits with Ku-Bo Financiero, S.A. de C.V., S.F.P..
02How is money protected?
SOFIPO Fondo de Protección up to 25,000 UDIS per person — not IPAB. Same legal family as Klar, different company.
03Where is kubo.financiero available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with kubo.financiero.
04Card and wallets?
kubo.financiero lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open kubo.financiero remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
activeWallet / e-money
- HQ
- Mexico City
- Fee
- Freemium / plus SKUs — confirm live
activeFeaturedNeobank
- HQ
- São Paulo
- Fee
- No annual fee on core card