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Ualá review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Ualá suits Argentine customers who want a Mastercard with no annual fee, since the monthly fee is ARS 0 and the annual fee is ARS 0. Support runs on chat only, so the app rather than a person on the phone is where questions go.

Key facts

Best for
A Mastercard for everyday spending and travel that costs nothing to keep.
Monthly fee
ARS 0 (Source, checked September 26, 2026)
Card type
Prepaid (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
Uala Bank S.A.U. (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Chat (Source, checked September 26, 2026)
Features
Travel
Official website
uala.com.ar

Credit cards

Annual fee
ARS 0 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Uala Bank S.A.U. (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Chat (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Travel

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Nothing to pay for holding it: the monthly fee is ARS 0 and the annual fee is ARS 0.
  • A mastercard card, the network behind 38.5% of the brands compared.
  • Issued by a named bank, Uala Bank S.A.U., with the card kind listed as credit.
  • Listed as prepaid, which suits anyone who wants spending capped at what they load.

Cons

  • Support runs on chat only, so questions go through the app rather than a phone line, where 67.3% of the brands compared offer one.
  • The card is listed as prepaid and offered as credit, so the label a comparison gives it can differ from the bank's own terms.
Ualá

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Scored 8.4 / 10 by DebitCue.

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Who it suits

  • Customers in Argentina who want a Mastercard with no annual fee and no monthly charge.
  • People happy to sort everything out in the app, since chat is the support route.
  • Anyone planning trips, since travel is one of the card's listed features.

Who should look elsewhere

  • Skrill, with a monthly fee of €5, if a set monthly charge suits you better than a card that costs nothing to keep.
  • JMMB Moneyline and JMMB Money Transfer prepaid card, whose monthly fee is JMD 0, if you would rather hold a prepaid card than a credit card.
  • CrediMax Cardy EX prepaid Visa, at BHD 0 a month, if a Visa prepaid card fits your trip better than a mastercard one.

How Ualá compares

Where Ualá is available

Available
Argentina

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does it cost to keep a Ualá card?+

The monthly fee is ARS 0 and the annual fee is ARS 0, so there is no regular charge for holding the account. Uala Bank S.A.U. files the card under a no annual fee model, which matches how 100% of the brands compared are described.

Which network do Ualá cards run on?+

Ualá cards run on mastercard, the network used by 38.5% of the brands compared. Visa is the more common choice in this group at 58.6%, so a Mastercard card sits outside the usual majority here. It is a credit card from Uala Bank S.A.U., so the network applies to a credit product rather than a prepaid balance.

Is the Ualá card a debit card, prepaid card or credit card?+

The card is listed as prepaid and offered by Uala Bank S.A.U. as credit. So a comparison may file it under prepaid while the bank's own terms describe a credit card, with 20.4% of the brands compared filed as prepaid and 96.8% as credit. The card you receive decides which applies.

How do I contact Ualá if something goes wrong?+

Support runs on chat only, so the app chat is the single route in. Around 35.1% of the brands compared offer chat, while 67.3% offer phone and 75.6% run a help centre, so a Ualá customer has fewer ways to reach a person than most of the field.

Who issues the Ualá card?+

The card comes from Uala Bank S.A.U., a named bank rather than an app-only provider, and the company was founded in 2017. The terms covering the card sit with that legal entity, so the account contract, not just the app, is what you agree to when you open it.

Is Ualá a good card for travel?+

Travel is a stated feature of the card, and 51.4% of the brands compared carry that label as well. Holding it for a trip costs a monthly fee of ARS 0 and an annual fee of ARS 0, and the mastercard network means the card works the same way at home and abroad.

Which alternatives have no monthly fee?+

JMMB Moneyline and JMMB Money Transfer prepaid card has a monthly fee of JMD 0, and CrediMax Cardy EX prepaid Visa has BHD 0, so those alternatives match Ualá on price and differ on the card instead. Skrill is the exception, with a monthly fee of €5.

How does the Ualá monthly fee compare with others?+

Ualá's monthly fee is ARS 0, which matches the median of €0 across the brands compared. The spread is wide, from €0 at the bottom to €99 at the top, so paying nothing each month is common here, not unusual.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Ualá

Ualá

A Mastercard for everyday spending and travel that costs nothing to keep.

8.4/10See alternatives