OCA review

There is no monthly charge on the prepaid account, so the fee on your statement each month is UYU 0. Top-ups by transfer from any bank are free, which is stated as the only free top-up method. Beyond that, your spending uses the Visa network.

The currency conversion fee on the prepaid card is 0%, which puts OCA at position 1 of 259 brands we rank on that measure. The account covers 2 currencies, so spending outside them still relies on that conversion rate.

Top-ups by transfer from any bank are free, and the brand states this as its free top-up route. The account also carries multi-currency and crypto features, so money can sit in more than one currency. The prepaid card runs on the Visa network.

The Visa credit card includes purchase protection on the Visa OCA card, and the Mastercard OCA card carries travel insurance for medical, dental and pharmacy assistance. The prepaid card is a spending wallet rather than a credit product, so its perks are mainly cashback of 2%.

Yes. The brand is supervised by Banco Central del Uruguay (BCU) in Uruguay, and it operates through OCA S.A. with the prepaid card issued by OCA Dinero Electronico S.A. The prepaid product is designed for Uruguay.

It does, alongside the prepaid card. The credit card charges an annual fee of UYU 0 and pays rewards in points rather than cash. It also supports installment plans, including installments in Uruguay at participating merchants, and bill payments split into installments.

It fits Uruguay residents who want fee free day to day spending, since the monthly fee is UYU 0 and the currency conversion fee is 0%. It also suits people who want cashback of 2% without paying an annual charge on a points credit card.

Support runs on phone, email and help centre, so you can call, email or use the help centre. A card user in Uruguay is covered by the same channels, and the brand also lists discounts and promotions at merchants plus Metraje transit passes for the credit card.