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RappiPay review

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

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Our verdict

RappiPay is a debit card run by RappiPay Colombia for everyday spending in Colombia, and it charges a monthly fee of COP 0. The weak point is currency conversion, where the 2% rate puts it at position 151 of the 237 brands compared across this site, near the back of the field.

Key facts

Best for
A debit card for everyday spending in Colombia, with a monthly fee of COP 0.
Monthly fee
COP 0↗
Currency conversion fee
2%↗
Card type
Debit↗
Card network
Visa↗
Legal entity
RappiPay Colombia↗
Headquarters
Colombia↗
Founded
2018↗
Official website
rappi.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInTrustpilot

Pros and cons

Pros

  • The account carries a monthly fee of COP 0, so there is no standing charge to plan for
  • It is a debit card on the visa network, so it is accepted wherever those cards are taken
  • Spending in Colombia keeps the 2% conversion rate out of everyday use

Cons

  • The 2% conversion fee sits above the 1% median across the brands compared on this site
  • It ranks at position 151 of the 237 brands compared on currency conversion
  • The product is a debit card issued by RappiPay Colombia in Colombia, so it is aimed at one home market
RappiPay

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Scored 8.5 / 10 by HodlCue.

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Who it suits

  • People in Colombia who pay in local currency and want a debit card for day to day spending
  • Anyone after a straightforward visa card with a monthly fee of COP 0 and a single home market focus

Who should look elsewhere

  • Frequent travellers: the 2% conversion rate makes Wise the cheaper account for holding and spending in several currencies
  • UK banking: Monzo Flex runs a UK account with a monthly fee of £0, while this card comes from RappiPay Colombia in Colombia
  • Crypto buyers: compare Bitpanda, whose monthly fee is €0, alongside a domestic debit card from CO

Trading and withdrawal fees

RappiPay sets the monthly fee at COP 0, so the standing cost needs no budget line. Currency conversion is priced at 2% each time money changes currency. Spend within Colombia and the rate stays out of the way; spend abroad and it applies to every conversion, which is why it matters more over a trip.

Who runs it

The account is run by RappiPay Colombia, which is headquartered in Colombia and has been trading since 2018, so it is an established operator rather than a recent entrant. Being built in CO explains why the card targets that market, and RappiPay Colombia is the entity a customer holds the relationship with.

How RappiPay compares

Where RappiPay is available

Available
Colombia, Mexico

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

Frequently asked questions

What does RappiPay cost to keep?+

The monthly fee is COP 0, so there is no standing charge to plan for. The figure that decides a real cost is the conversion rate of 2%, which applies each time money leaves the account in another currency. Cardholders who stay in Colombia pay nothing in conversion.

What does RappiPay charge to convert currency?+

The conversion fee is 2%, charged each time a purchase is made in a currency the balance is not held in. It repeats on every foreign transaction rather than being a one-off, while a card used only for local spending never triggers it.

Is the RappiPay card a debit card or a prepaid card?+

It is a debit card, so the money behind it is the balance in the account rather than a prepaid purse that has to be topped up. There is no separate funding step, and the account itself carries the monthly fee of COP 0.

Which card network does RappiPay use?+

The card runs on visa, so it is accepted wherever those cards are taken and behaves like any other debit card at the till. Because the balance sits in the account, spending draws down the account rather than a card balance, and the COP 0 monthly fee still applies.

Who runs RappiPay and how long has it traded?+

RappiPay is run by RappiPay Colombia, which is headquartered in Colombia and has been trading since 2018. That length of trading puts it well past the pilot stage, and the card is issued in the company's own name rather than under a partner brand.

Where is RappiPay based and who is the card for?+

The company is based in Colombia and trades as RappiPay Colombia, so the card is aimed at people banking in Colombia rather than at a broad international market. Spending in local currency keeps the 2% conversion rate out of the picture, and the COP 0 monthly fee leaves the account cheap to hold.

How does RappiPay compare with Wise on cost?+

Wise and RappiPay solve different problems, so the comparison is about what the money is for. Wise carries a monthly fee of £0 and is built for holding several currencies, while the 2% conversion rate is where RappiPay costs more for anyone spending abroad.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

RappiPay

RappiPay

A debit card for everyday spending in Colombia, with a monthly fee of COP 0.

8.5/10See alternatives