Kapital

Kapital is a Mexican financial platform that combines business and personal banking with credit, investments and foreign exchange services. It is designed to help companies manage day-to-day finances, obtain working capital, invest surplus funds and operate across currencies, while also offering personal accounts and a mobile app for everyday money management.

For businesses, the platform includes Cuenta Empresarial and Cuenta PyME, online business banking, Kapital IA, and credit products such as Crédito Empresarial, Crédito PyME, Crédito FLEX and Factoraje. Investment options include Pagaré and CEDE, while Kapital FX supports currency purchases and transfers, and SPID Kapital enables same-day dollar transfers between authorized banks in Mexico. The Kapital App provides account access, transfers, payment scheduling, investment access and token-based transaction authorization, with Apple Pay available on supported Apple devices.

Kapital serves both companies and individuals, with personal accounts including Cuenta Kapital, Cuenta Básica, Cuenta Express and Mi Cuenta Kids, alongside payroll products such as Kapital Nómina and Kapital Nómina Básica. The pages describe account opening with a minimum deposit, credit amounts and investment terms, but do not state a free plan, trial period, edition structure or seat-based or usage-based pricing.