FONDEA | Personal

What is FONDEA | Personal?

FONDEA | Personal revolutionizes digital banking by offering a fee-free debit account paired with innovative tools to grow your savings. Designed for financial empowerment, FONDEA | Personal lets you earn up to 9% annual returns on 30-day deposits via its "Bóveda" savings feature, while providing a virtual and physical Mastercard® for seamless spending. With zero fees, instant balance updates, and robust security, FONDEA puts you in control of earning, saving, and managing money—all from your smartphone.

What Scenarios Is FONDEA | Personal Suitable For?

- Savings-Focused Users: Maximize idle cash with Bóveda’s 9% returns on 30-day deposits, ideal for short-term financial goals.

- Freelancers & Gig Workers: Avoid traditional bank fees, access virtual cards for online purchases, and send/receive payments 24/7.

- Travelers & Shoppers: Use the contactless QR debit card globally or add it to Apple/Google Wallet for secure, instant transactions.

- Fee-Haters: Escape hidden charges, minimum balances, and paperwork—enjoy free transfers, withdrawals, and card management.

What Experience Can You Gain from Choosing FONDEA | Personal?

- Transparency: Real-time balance alerts and instant transaction notifications keep you informed.

- Growth: Watch savings grow with competitive returns unmatched by most traditional savings accounts.

- Flexibility: Manage money on-the-go via an intuitive app, including blocking/unblocking cards or setting up virtual cards for subscriptions.

- Security: FDIC-like protection via Mexico’s Protection Fund (up to 25,000 UDIs) and encrypted virtual cards for online safety.

The Practical Value of FONDEA | Personal Free App

- Eliminate Fees: No annual card fees, transfer fees, or account maintenance costs.

- Boost Savings: Bóveda’s 9% yield (Nominal APR 9.38%) helps you earn while keeping funds accessible after 30 days.

- Streamlined Access: Instant account setup with a government ID, 24/7 digital support, and integration with popular payment platforms.

- Global Usability: Shop online or in-person worldwide with Mastercard® acceptance and QR technology.

Remarks on FONDEA | Personal

Available to users 18+ in Mexico, FONDEA combines fintech innovation with regulatory safeguards. While returns are subject to market conditions, FONDEA | Personal’s 5.52% real APR (pre-tax) outperforms many savings alternatives. Ideal for those seeking agility in financial management, it’s not a full-service bank but excels in no-frills, high-reward digital banking. Customer support is app-based or via email ([email protected]), ensuring quick assistance without branch visits.