kubo.financiero

Mexican SOFIPO. CNBV. Fondo de Protección 25,000 UDIS. Not IPAB. Not Klar.

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5.9Caution
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Our take

Desk verdict

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.

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.

kubo.financiero lists SOFIPO — Ku-Bo Financiero, S.A. de C.V., S.F.P. Nivel I under CNBV in Mexico. On safeguarding we currently write: SOFIPO Fondo de Protección up to 25,000 UDIS per person — not IPAB. Same legal family as Klar, different company.. Holder / issuer line: Ku-Bo Financiero, S.A. de C.V., S.F.P.. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Product-priced — confirm live; FX Not a travel bank; ATM If a debit exists — network; interest Inversión / ahorro — rates move. This desk would open it for: Mexico residents shopping SOFIPO yield who already keep a banco salary account.

What it does well: Named CNBV SOFIPO; Fondo de Protección; Longer-running than the 2020 wave. What to watch: Not IPAB; Nivel I product limits; SOFIPO sector risk. Desk score 5.9 / 10 (safety 5.8, fees 7.0, features 6.8, app 6.8). Last verified 2026-08-30. Headquartered in Mexico City, Mexico; founded 2012. None of this is advice — it is a file so you can read the entity before the card colour.

Best for: Mexico residents shopping SOFIPO yield who already keep a banco salary account.

Pros

  • +Named CNBV SOFIPO
  • +Fondo de Protección
  • +Longer-running than the 2020 wave
  • +CONDUSEF-listed

Cons

  • Not IPAB
  • Nivel I product limits
  • SOFIPO sector risk
  • Not Klar and not Nu

How it actually works

Custody
Issued / held via Ku-Bo Financiero, S.A. de C.V., S.F.P.
Local rails
In-app ledger
Built for
Personal · Investing
Settlement
App-ledger instant; bank rails per corridor
Review risk
Fintech reviews can pause inbound while they check a transfer
Pay surface
visa · physical · virtual · Google Pay

Safety

SOFIPO Fondo de Protección up to 25,000 UDIS per person — not IPAB. Same legal family as Klar, different company.

Holder / issuer: 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 log
  1. Licence

    CNBV SOFIPO Nivel I — 25,000 UDIS, not IPAB

    Ku-Bo Financiero. Same legal family as Klar, different company.

Available in

FAQ

01

Is 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..

02

How is money protected?

SOFIPO Fondo de Protección up to 25,000 UDIS per person — not IPAB. Same legal family as Klar, different company.

03

Where is kubo.financiero available?

We list 1 market desk on the desk. Residency and onboarding rules still sit with kubo.financiero.

04

Card and wallets?

visa · physical · virtual · Google Pay

Ratings and reviews

No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.

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