Naranja X
- Company typePrivate
- Founded2019
- HeadquartersBuenos Aires, Argentina
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
Naranja X firmographics
Firmographics- Name
- Naranja X
- Legal name
- Tarjeta Naranja S.A.U.
- Website
- https://naranjax.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Naranja X industry classification
Industry- Product category
- Consumer Digital Banking
- NAICS
- Credit Card Issuing (522210), Credit Card Issuing (52221), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)
- akta.pro secondary industries
- Issuer/Network-Led Installments (Card-Based Pay-Over-Time) (FSAGAIAB), Merchant-Integrated BNPL (Online Checkout) (FSAKACAA), BNPL Card / Virtual Card Programs (FSAKACAC)
Keywords
Where Naranja X is headquartered
LocationHeadquarters
- HQ city
- Buenos Aires
- HQ country
- Argentina
- HQ region
- Latin America
Offices2 records
Markets served
Naranja X business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Card Transaction Fees (Interchange): Merchant discount rates charged on credit and debit card transactions. Commerce partners pay fees when customers pay with Naranja X cards at their terminals or via QR codes.
- Credit Card Interest: Interest income from revolving credit balances and installment financing. Customers who do not pay their full statement balance incur interest charges. TNA ranges from 84.81% to 141% depending on financing plan.
- Personal Loan Interest: Interest income from personal loans and Cuotas sin tarjeta financing. Offered through Naranja Digital Compañía Financiera S.A.U. and Tarjeta Naranja S.A.U. TNA ranges from 55% to 141%.
- Plan Turbo Subscription: Monthly subscription fee (replacing former maintenance fee) that provides customers with discount benefits including supermarket cashback, service payment rebates, and travel discounts. Only charged when customer uses their card.
- Dólar MEP Commission: 1% commission charged on Dólar MEP (brokered dollar) transactions through SBS Trading S.A. partnership
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Plan Turbo subscription replacing former card maintenance fee |
| Hybrid | Monthly | Plan Z - 3 cuotas cero interés financing |
| Usage-based | Pay-as-you-go | Personal loans from Naranja Digital |
| Usage-based | Pay-as-you-go | Remunerated account TNA |
| Transaction based/ take rate | Pay-as-you-go | Dólar MEP operation |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
Naranja X product offering
Product offeringCore offering
Naranja X operates a mobile-first consumer digital banking platform that provides free peso and dollar accounts, credit and debit cards (Visa/Mastercard), virtual credit cards with dynamic CVV, installment financing via Plan Z, personal loans, goal-based savings (Frascos), fixed-term deposits (Frasco Fijo), Dólar MEP trading, insurance, travel booking, and merchant payment acceptance (POS, QR, NFC Tap, PIX). Revenue is generated through interest on revolving credit and loans, merchant interchange fees, the Plan Turbo subscription plan, and commissions on dollar operations.
Product overview
Naranja X is a comprehensive Argentine fintech operating as a multi-product digital banking platform, combining a mobile-first consumer app with merchant-facing solutions. The core platform centers on the Naranja X digital account/wallet offering free peso and dollar accounts, credit and debit cards (Naranja X, Visa, and Mastercard brands), and the free virtual credit card for instant online use. The product portfolio extends across five interconnected pillars: (1) Credit products including Plan Z 0% interest installments, Pago Flex flexible financing, and secured/add-on cards; (2) Personal loans and BNPL-style Cuotas sin Tarjeta for both consumers and monotributistas; (3) Savings and investments via the interest-bearing account, Frascos flexible savings jars (7-28 days), and Frasco Fijo fixed-term deposits (30-180 days); (4) Dollar operations including Dólar MEP via SBS Trading S.A. integration, Dólar Oficial, and a commission-free dollar account; and (5) Merchant solutions comprising business accounts, POS terminals, QR code, TAP, and PIX payment collection, plus Plan Z Negocio for merchant installment acceptance. Subscription plans (Plan Turbo and Plan Épico) add value through cashback on groceries, services, and travel. The ecosystem is completed by insurance products (auto, motorcycle, cell phone), the Viajes Naranja X travel platform, entertainment ticketing with 0% interest installments, and football sponsorships tied to promotional campaigns like the World Cup 2026 Convocados.
Differentiator
Problem solved
Functional benefit
Brands
- Naranja X Virtual: Virtual credit card for online purchases, available instantly in the app with dynamic CVV
- Plan Z
- Plan Turbo
- Plan Épico
- Frascos
- Frascos Fijos
- Pago Flex
- Viajes Naranja X
- Convocados
- Naranja X Visa
- Naranja X Mastercard
Products and services
- Naranja X App (Digital Account/Wallet) Mobile-first digital banking platform offering a free peso-denominated checking account, money transfers 24/7, QR payments, bill payment for 4,000+ services, mobile/airtime recharges, and balance management through a smartphone application available on iOS and Android.
- Naranja X Credit Card Standard Naranja X-branded credit card with no issuance cost, accepted at over 280,000 merchants, with 0% interest installment plans via Plan Z, promotional offers on Viajes Naranja X, free additional cards for family members, and international purchasing capability.
- Naranja X Visa Credit Card Visa-branded credit card enabling purchases in Argentina and abroad, including 100% OFF on transport, dollar-denominated purchases, and Google Pay integration for contactless payment.
- Naranja X Mastercard Credit Card Mastercard-branded credit card with international acceptance, enabling purchases both domestically and abroad in dollars.
- Naranja X Virtual Credit Card Instantly available digital credit card issued within the app, featuring a dynamic CVV that refreshes every 2 minutes for enhanced security, enabling immediate online purchases without waiting for physical card delivery.
- Naranja X Visa Debit Card Free Visa debit card linked to the Naranja X account balance, featuring contactless (NFC) payments, free cash withdrawals at Naranja X branches and partner merchants, and a daily withdrawal limit of ARS 70,000.
- Cuenta en Pesos (Peso Account) Free peso-denominated digital checking account with CBU/CVU for transfers, QR payments, bill payment for 4,000+ services, and mobile/airtime recharges.
- Cuenta en Dólares (Dollar Account) Free dollar-denominated account with no maintenance fees, enabling USD transfers within Argentina, international purchases via debit card, and Dólar MEP/official dollar operations.
- Cuenta Remunerada (Interest-Bearing Account)
Quantifiable outcome
- Up to 19% TNA on Frascos savings for 28-day terms
- +4 more outcomes
Companies that use Naranja X
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Naranja X technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
Naranja X partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core, flagship and minor.
- BioCatch TrustcoreCollaborative fraud-prevention network that assesses transaction risk on the receiving side before money leaves sender's account. Naranja X is a founding member alongside ANZ, Commonwealth Bank of Australia, National Australia Bank, Suncorp Bank, Westpac, Banco Galicia, and Santander.
- SBS Trading S.A.coreRegistered Agent of Liquidation and Compensation (Agente de Liquidación y Compensación) registered with the National Securities Commission (CNV). Provides Dólar MEP (brokered dollar) trading functionality through Naranja X app, allowing customers to buy and sell dollars via bond market operations.
- Liga Profesional de Fútbol (Argentine Football League)flagshipOfficial sponsor of the Argentine professional football league. Enables football-themed promotions, Anti-FiXture contests, MANGOAT campaigns, and match-day promotional activities across the league.
- Banco GaliciaminorCo-founding member of BioCatch Trust fraud-prevention network alongside Naranja X and other major Argentine and Australian banks.
- Santander ArgentinaminorCo-founding member of BioCatch Trust fraud-prevention network alongside Naranja X and other major Argentine and Australian banks.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Naranja X competitors and assessment
Company assessmentMarket position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
Naranja X social profiles
Digital presenceNaranja X financial estimates
Financial estimateRevenue estimate
Valuation estimate
Naranja X leadership team
Management profileNumber of profiles
Profiles2 records
Naranja X funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Naranja X M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Naranja X
What does Naranja X do?
Naranja X operates a mobile-first consumer digital banking platform that provides free peso and dollar accounts, credit and debit cards (Visa/Mastercard), virtual credit cards with dynamic CVV, installment financing via Plan Z, personal loans, goal-based savings (Frascos), fixed-term deposits (Frasco Fijo), Dólar MEP trading, insurance, travel booking, and merchant payment acceptance (POS, QR, NFC Tap, PIX). Revenue is generated through interest on revolving credit and loans, merchant interchange fees, the Plan Turbo subscription plan, and commissions on dollar operations.
Is Naranja X a public or private company?
Naranja X is a private company. It is classified as unknown and is currently operating.
When was Naranja X founded?
Naranja X was founded in 2019. It employs 1,001 to 5,000 people.
Where is Naranja X based?
Naranja X is headquartered in Buenos Aires, Argentina, in the Latin America region.
How does Naranja X make money?
Five revenue lines are on record. Card Transaction Fees (Interchange) is the primary driver. The others are credit Card Interest, personal Loan Interest, plan Turbo Subscription and Dólar MEP Commission.
Does Naranja X have an API?
No public API is recorded for Naranja X.
What industry is Naranja X in?
Naranja X's product category is Consumer Digital Banking. Its primary akta.pro industry code is BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms, with a secondary code of FSAGAIAB, Issuer/Network-Led Installments (Card-Based Pay-Over-Time). Its NAICS code is 522210 and its SIC code is 6141.