Plazo

Plazo is a digital financial brand launched in 2021 by ID Finance to provide app-based solutions for everyday money management. Its services include a virtual payment card, a credit card with a credit line of up to €5,000, and personal credit. Customers can apply online, manage payments through the Plazo app, and activate an account and virtual card for mobile payments. Credit repayment can be spread over flexible terms of up to 48 months, subject to approval and applicable conditions.

The app also offers cashback rewards on purchases and access to partner benefits, including 24/7 chat consultations with medical, legal, and veterinary professionals through Meeting Pros, savings on electricity bills with Camby, and complimentary ClassPass fitness credits. Plazo highlights digital security measures such as encrypted communications, multifactor authentication, and ongoing transaction monitoring. The brand provides customer support through its help centre, WhatsApp, and email. Its credit line is granted by ID Finance Plazo S.L.U., while the Plazo card and payment account are issued and managed by PECUNIA CARDS EDE, S.L.U.