Cuenta is a regular deposit account that lets you save, receive, transfer, withdraw, and organize your money whenever you need. It's personal and non-transferable, with no maintenance fees and fully digital: you open it, use it, and manage it from the Plata Pay app.

How to open your Cuenta?

The process is 100% digital and done from the Plata Pay app:

• Download the Plata Pay app from the App Store, Google Play, or Huawei AppGallery. You can also complete the entire process from your phone's browser, without downloading anything.

• Enter your personal information and complete identity verification: you'll need a valid Colombian ID (cédula de ciudadanía) or foreign resident ID (cédula de extranjería), and you must be of legal age.

• When we approve your request, your account is active right away and you can start using it.

We don't require a minimum opening deposit or a minimum balance to keep the account active.

How to deposit money into your account?

You can top up your Cuenta through these channels:

• Bre-B: Colombia's instant payment system. You can receive money instantly with your Bre-B key linked to the account. See the "Bre-B" section for details.

• ACH (transfer from another institution): anyone can send you money from another Colombian financial institution using your account number and selecting Plata Pay as the destination.

How to withdraw and transfer money?

From the Plata Pay app, you can move your money anytime:

• Bre-B: instant transfers at no cost. To send and receive via Bre-B, first register your keys from the app. See the "Bre-B" section for details. Outgoing Bre-B transfers may also be subject to the 0.4% GMF (4×1.000).

• ACH transfer to another institution: free from Plata Pay. Note that outgoing transfers may be subject to the 0.4% GMF (Financial Transactions Tax, known in Colombia as 4×1.000). See the "GMF" section for details. The institution receiving the money may also charge fees. ACH transfers are processed during business hours: one sent on Friday may be reflected the next business day.

• ATM withdrawal: available at all Mastercard-enabled ATMs in Colombia. Costs $6.900 COP + VAT per withdrawal, unless you have Plata+ and it's your first withdrawal of the month (free).

Your Plata Pay card: physical and digital

When you open your Cuenta, you get access to two types of Mastercard debit card:

• Digital card: activates within minutes from the app, once you complete verification. It lets you pay online right away using the card number. It's ideal for when you're still waiting for the physical card or need to replace it quickly. Same account, same balance.

• Physical card: you request it from the app and it arrives at your home at no cost. Use it to pay at any physical store and withdraw cash at ATMs.

Manage your card from the app

From the "Cards" section in the Plata Pay app, you can manage your card anytime, with no calls or lines:

• Freeze and unfreeze: if you lose your card or want to pause its use, you can freeze it instantly from the app. When you find it or want to use it again, you can unfreeze it just as easily.

• Set personal limits: define your own spending or withdrawal limits, within the allowed maximums.

• Restrict online purchases: you can disable your physical card for payments at digital stores. Useful if you prefer to keep it only for in-person payments.

• Restrict ATM withdrawals: you can block cash withdrawals at ATMs with your physical card.

• Change your PIN: modify your card's PIN directly from the app.

Interest on balance

Your Cuenta automatically pays interest on the balance you keep. No activation needed: from your first day with a balance, your money starts growing.

• Rate: 5% effective annual (6,5% with Plata+).

• Calculation: interest is calculated daily on the day's balance. You can see your accumulated amount in the app.

• Interest cap: interest applies up to a $20.000.000 COP balance. Amounts above this cap don't generate additional interest.

• Payment: accumulated interest is credited automatically to your account on your monthly statement closing date. You can also withdraw it earlier from the app.

How much can you receive?

To give you concrete numbers: if you keep a balance equal to one monthly minimum wage ($1.377.960 COP) for a year without withdrawals, by year-end you'll have received $68.898 COP in interest, reaching a final balance of $1.446.858 COP. These are illustrative projections at the 5% effective annual rate; actual results depend on your transactions and the rate in each period.

With Bolsillo, you can make your money grow even more with a rate of up to 11% E.A. Learn more about Bolsillo at plata.co.

GMF (4×1.000) and exemption marking

GMF (Financial Transactions Tax), known in Colombia as 4×1.000, is a 0.4% tax applied in Colombia on many financial transactions: withdrawals, payments, and transfers to third parties from accounts in the financial system.

Colombian law lets you mark a single account in the entire financial system as GMF-exempt, up to a limit of 350 UVT per month (approximately $18.330.900 COP with the 2026 UVT). Transactions above this monthly limit do pay GMF.

You can mark your Cuenta as your exempt account directly from the account screen in the Plata Pay app. Keep in mind:

• You can only have one marked account in the entire Colombian financial system at a time. If you already have another account marked at another institution, you must unmark it first.

• You handle marking and unmarking yourself, anytime.

• Transactions between your Cuenta and your Bolsillos or your CDT are internal and don't generate GMF, whether or not marking is active.

• PLATA. S.A. Compañía de Financiamiento is ready to connect to Colombia's instant payment interoperability scheme as soon as it is fully operational nationwide.

Bre-B: your instant payment keys

Bre-B is Colombia's instant payment system. It lets you receive and send money instantly using a "key" (your phone number, ID, or another identifier), instead of sharing your full account number.

From your Cuenta screen in the app, you can link and manage your Bre-B keys. Once linked, anyone can send you money using that key, and you can transfer to others without knowing their full account details. Bre-B transfers are instant and free.

Cuenta fees

Cuenta has no maintenance fees or hidden costs. Current fees are:

• Opening, maintenance, and administration: $0.

• Outgoing ACH and Bre-B transfers: $0.

• Transfers between Plata Pay accounts: $0.

• Debit card issuance (physical or digital): $0.

• ATM withdrawal: $6.900 COP + VAT per withdrawal. With Plata+, your first withdrawal of the month is free.

• Currency exchange margin (international purchases): 2.9% of the transaction value.

• Interest on balance: 5.5% effective annual (7% with Plata+), on a maximum balance of $20.000.000 COP.

You can check current fees and their effective dates in the Plata Pay app and at www.plata.co. If Plata Pay changes fees or costs (other than interest rates), you'll be notified at least 45 calendar days in advance.

Your monthly statement

Each month you receive a statement detailing all your account transactions in the period. The closing date corresponds to the day of the month you opened your account: if you opened it on the 15th, your statement closes on the 15th of each month. Interest is credited on that same date.

You can view your statement anytime in the Plata Pay app, and you also receive it at your registered email.

What to do if you don't recognize a transaction?

If you see a transaction you don't recognize, report it immediately from the Plata Pay app. Timing matters: if you report within 2 hours of the transaction, there's a better chance to act. After that, recovery may depend on third parties or may no longer be possible.

We'll review your case according to our internal procedures and applicable regulations, and respond within the legal deadlines. You can also contact the Financial Consumer Ombudsman or the Colombian Financial Superintendency.

How to close your Cuenta?

You can request to close your Cuenta anytime, with no explanations or minimum stay requirements, from the Plata Pay app or our service channels. To proceed:

• Leave your account balance at $0: transfer or withdraw all available money, including from your Bolsillos.

• Verify you have no pending charges or legal restrictions on the account.

• Request closure from the app or with customer service.

Final closure completes within 15 business days of your request. During this period, you can still view your account in the app. Note that pending cashback may be lost once the cancellation process begins.

Inactivity: if your account stays at zero balance with no activity for 6 months or more, Plata Pay may cancel it automatically, with prior notice through your registered channels.

Your money is protected

PLATA. S.A. Compañía de Financiamiento is an entity supervised by the Colombian Financial Superintendency. Funds deposited in your Cuenta are covered by Fogafín's deposit insurance (Colombia's deposit guarantee fund), up to the limits and conditions established by current law. Check the current limits at www.fogafin.gov.co.

Where to find updated information?

• Plata Pay app: balance, transactions, statements, card management, Bre-B keys, 4×1.000 marking, and all your account features.

• www.plata.co: current fees, interest rates, Cuenta regulations, and other legal documents.