Mercado Pago: cuenta digital
Mercado Pago: cuenta digital is a finance app from Mercado Libre for managing money, making payments, and receiving funds from a phone.
Download Mercado Pago · v2.457.2Mercado Pago: cuenta digital is aimed at people who want to handle payments, transfers, and personal finances without relying on a traditional bank. The app supports QR code payments, bill payments, phone top-ups, and free virtual or physical cards with no annual or issuance fees.
- Version
- 2.457.2
- Requires Android
- 6.0
- Updated
- 13.10.2026
- Installs
- 100M+
- Rating
- ★ 4.83 (14 848 716)
- Category
- Finance
- Developer
- Mercado Libre
- Content rating
- Everyone
- Package
- com.mercadopago.wallet
- Free
- ✓ · Contains ads
Screenshots
Mercado Pago: cuenta digital is a financial management app by Mercado Libre that provides a digital account for payments, transfers, and credit. The platform serves as a virtual wallet where users can keep money safe and access a range of banking-like features directly from their phone. Version 2.457.2, dated October 13, 2026, continues to support Android 6.0 and above while serving an audience of over 100 million installs with a strong 4.83 rating from more than 14 million reviews. The app requires Android 6.0 or newer and carries a content rating of Everyone.
Beyond basic storage of funds, the app facilitates instant online payments and transfers between accounts. It emphasizes contactless payments through QR codes and payment links, which can be shared via messaging platforms or social media. For those needing physical access to cash, withdrawals are possible at supermarkets and ATMs nationwide using the free card issued through the service.
A notable aspect is its business toolkit, which includes the Point card reader for in-person sales and a loan program called Mercado Crédito that promises 100% online application with instant deposit. The permissions requested are extensive, ranging from identity and contacts to location, camera, microphone, and storage. This broad access enables features like QR scanning and photo uploads but also warrants careful consideration from privacy-conscious users.
Key features
- Virtual and physical cards with no annual or issuance fees
- QR code and payment link support for receiving and sending money
- Daily earnings generation on account balances
- Line of credit for bills, top-ups, and Mercado Libre purchases
- Mobile phone and transport card top-up functionality
- Integration with Point card reader for in-person business payments
- Mercado Puntos rewards program with discounts and free shipping
- Installment payment options through Mercado Crédito
How to install
- Tap the download button on this page to get the APK file
- If prompted by Android, enable the 'Install unknown apps' setting for your browser or file manager
- Open the downloaded APK file from your notifications or file manager
- Tap 'Install' and wait for the process to complete
- Open the app and set up your digital account
Pros
- Free virtual and physical cards with no annual fee
- High user satisfaction reflected in a 4.83 rating
- Integrated credit line and daily earnings on balances
- Comprehensive bill payment and top-up options
- Supports both personal finance and business transactions
Cons
- Includes advertisements within the interface
- Requests a wide range of permissions beyond core functionality
- Lacks in-app purchase options for premium features
- Several services like the Point card reader are geographically limited
Version History
| Version | Size | Requires Android | Updated |
|---|---|---|---|
| 2.457.2 | — | 6.0 | 13.10.2026 |
This app suits individuals looking to consolidate bill payments, transfers, and shopping in one mobile wallet, as well as small business owners who want a flexible point-of-sale solution with QR and card reader support.
Review the app's permission settings after installation and disable access to microphone, contacts, or location if you only plan to use basic payment features.
App Permissions
Frequently Asked Questions
How can I get a physical or virtual card without paying fees?
You can request a free physical or virtual card through the app, with no annual or issuance fees. The physical card is shipped to your home for free.
What payment methods can I use with my Mercado Pago account?
You can pay with funds in your account, credit, debit, or prepaid cards, cash via transfer, bank deposit, or by requesting a line of credit. You can also pay using QR codes, payment links, or transfer money between accounts.
Can I earn daily earnings on my account balance?
Yes, the app offers a feature that generates daily earnings on your account balance. You can activate it directly through the app, and you can use your balance or debit card to transfer money or cash in stores.
How can I receive payments for my business?
You can receive payments using QR codes, payment links shared via social media or websites, or with the Point card reader. You can also accept direct transfers to your digital account, and there are no fixed fees for card payments.
Can I get a loan for my business through the app?
Yes, with Mercado Crédito you can apply for a loan 100% online with no paperwork, and the money is deposited instantly into your digital account. This is available to help boost your business.
Mercado Pago delivers a comprehensive financial toolkit for Mexico with a strong emphasis on digital convenience, though users should carefully weigh the breadth of permissions against the daily utility it provides.
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Updated: 21.10.2026