What Telecom Personal does

Telecom Personal is the consumer-facing brand of Telecom Argentina S.A., a publicly listed Argentine telecommunications company (Buenos Aires Stock Exchange, MERVAL), and serves individual consumers, small and medium businesses (Pymes), and large enterprises (Grandes Empresas) across Argentina. Following the 2025-2026 brand consolidation, Personal unifies mobile telephony (Personal Móvil, 4G/5G), fiber-to-the-home internet (Personal Fibra, formerly Fibertel), IPTV/streaming (Flow in three tiers — Básico, Full, and Flow+ with swappable OTT bundles), fintech (Personal Pay, operated via subsidiary Micro Sistemas S.A. under a Banco Macro partnership), device retail (Tienda Personal), and connected home (Personal Smarthome) under a single brand identity, accessed through the Mi Personal self-service app and web portal, owned retail stores, dealer networks, and phone sales.

The underlying technology stack is built on Telecom Argentina's national mobile and fiber infrastructure with vendor partners including Cisco, Huawei, Nokia, Motorola, and others. Product surfaces span iOS and Android apps (Mi Personal, Flow, Personal Pay, Smarthome), web portals, TV decoders, and a nationwide Personal WiFi Zone hotspot network. Personal Pay adds a regulated fintech layer with prepaid Visa cards, QR-based merchant acquiring, interest-bearing savings accounts, personal loans, and a tiered loyalty program (Niveles), while Flow bundles premium third-party OTT subscriptions (Netflix, Disney+, HBO, Paramount+, Universal+) with exclusive sports rights (Copa 2026, Pack Fútbol).

The business model is multi-stream and largely subscription-recurring: monthly mobile and fiber plans, tiered Flow streaming subscriptions, hardware sales (smartphones, smartwatches, Smarthome kits) with installment financing, usage-based international roaming, transaction fees in Personal Pay, and enterprise ICT contracts. FY25 consolidated revenue reached P$8,328,814 million ARS (boosted by ten months of acquired TMA results), with operating income before D&A of P$2,525,535 million (+64.8% YoY); however, a 41% peso depreciation against the USD drove a reported net loss of P$145,304 million against a P$1,359,230 million FY24 profit. Customer acquisition and retention are anchored by the 'Conexión Total' multi-service bundling program, which stacks discounts, doubled mobile data, WiFi Backup, and free Pack Mundo roaming for customers holding multiple Personal services on one account.

Name

Telecom Personal

Legal name

Telecom Argentina S.A.

Website

https://personal.com.ar

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Telecom Personal is the consumer-facing brand of Telecom Argentina S.A., offering Argentine consumers and businesses an integrated ecosystem of mobile (4G/5G), fiber internet, streaming (Flow), fintech (Personal Pay), device retail, and smart home services under one brand, distributed via owned retail, dealers, apps, and phone sales.

Ownership category

akta.pro rank

Product category

Mobile Telecommunications Services

NAICS

Wireless Telecommunications Carriers (except Satellite) (517112), Wired and Wireless Telecommunications (except Satellite) (5171)

SIC

Radiotelephone Communications (4812), Cable & Other Pay Television Services (4841)

akta.pro primary industry

Consumer Mobile Network Operators (Retail MNOs) (HDAIAAAA)

akta.pro secondary industries

Home Networking & Connected Home Infrastructure (Wi‑Fi Mesh, Routers, Matter/Thread/Zigbee Bridges) (HSAPAQAG), Carrier Billing & Telco Mobile Money (FSAMAEAD), Smart Home, IoT & Home Security Distribution (CRAOACAF)

Keywords

• Mobile telecommunications
• Fiber internet services
• Pay TV streaming
• Digital wallet fintech
• Consumer electronics retail

Headquarters

HQ city

Santa Lucía

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Infrastructure, Personnel, Supply Chain, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Mobile Telecommunications Services: Mobile voice, SMS, and data services billed on subscription (postpaid) and prepaid plans. Revenue driven by monthly plan fees, overage charges, and value-added services. Includes 5G services in coverage areas.
2. Fixed Internet (Fibra): Fiber-to-the-home broadband internet services under the consolidated Personal brand (formerly Fibertel). Monthly subscription-based pricing with tiered speed options (e.g., 300 MB plans).
3. TV and Streaming (Flow): IPTV and over-the-top streaming service with three tiers (Flow Básico, Flow Full, Flow+) offering live TV, on-demand content, and bundled streaming platform subscriptions (Netflix, Disney+, HBO, Paramount+, Universal+). Subscription-based with optional transactional content.
4. Device and Hardware Retail (Tienda): Retail sales of smartphones (Samsung, Motorola, Apple, TCL, Xiaomi, Nubia, Honor, ZTE), smartwatches, tablets, laptops, audio equipment, home appliances, and smart home devices through the Tienda Personal e-commerce platform. One-time purchase revenue with installment payment options.
5. Personal Pay Fintech Services: Digital wallet and financial services generating revenue through transaction fees, interchange on prepaid cards, installment payment fees (Cuotas), personal loan interest, and business solutions (QR payment processing, mobile top-up sales). Operated via Micro Sistemas S.A.
6. International Roaming: International roaming services for mobile customers traveling abroad, with dedicated roaming packages and daily use benefits for subscribers with multiple Personal services.
7. Enterprise Services ( Grandes Empresas): Customized telecommunications and ICT solutions for large enterprise customers including mobile, internet, and integrated communications services.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels7 records

Core offering

Telecom Personal is the consumer-facing brand of Telecom Argentina S.A., offering mobile telephony (Personal Móvil) over 4G/5G networks on prepaid and postpaid plans, fiber-to-the-home broadband (Personal Fibra, formerly Fibertel), IPTV and streaming (Flow, including bundled Netflix, Disney+, Paramount+, Universal+, and HBO), a mobile wallet and fintech platform (Personal Pay) with P2P transfers, QR payments, prepaid Visa cards, savings accounts, personal loans, and merchant solutions, an online device retail store (Tienda Personal), and a smart home IoT ecosystem (Personal Smarthome) with cameras and environmental sensors, all unified under one brand via the Conexión Total multi-service bundle.

Product overview

Telecom Personal is the consumer-facing brand of Telecom Argentina S.A., offering a multi-service digital ecosystem unified under the Personal brand (following the consolidation of Fibertel and other brands). The portfolio spans four core pillars: Personal Móvil (mobile telephony with 4G/5G, prepaid/postpaid plans, and roaming), Personal Fibra (home internet via fiber, formerly Fibertel), Flow (pay-TV and streaming with live channels and bundled third-party subscriptions — Netflix, Disney+, Paramount+, Universal+, HBO — in three tiers: Flow Básico, Flow Full, and Flow+), and Personal Pay (mobile wallet with P2P transfers, QR payments, Visa prepaid card, savings accounts, loans, and a loyalty program via Micro Sistemas with Banco Macro partnership). Adjacent offerings include Tienda Personal (online retail of smartphones, smartwatches, and home electronics), Personal Smarthome (WiFi cameras, sensors, and app-based home management), Mi Personal (self-service app and web portal for account management), Personal WiFi Zone (public hotspots), and Personal Security (McAfee-powered device security). The products operate across Android/iOS apps and TV decoders, with a multi-tier loyalty program (Conexión Total) rewarding bundled service subscribers.

Differentiator

Problem solved

Functional benefit

Brands

• Flow: TV and streaming service offering live channels, movies, series, and sports content including Pack Fútbol, HBO Pack, Disney+, Netflix, Paramount+, and Universal+
• Personal Pay
• Personal Smarthome
• Tienda Personal
• Mi Personal
• Market by Personal

Products and services

• Personal Móvil

Quantifiable outcome

• Operating income before D&A grew 64.8% year-over-year in FY25 to P$2,525,535 million, driven by integration of TMA and organic growth

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

One partnership is on record.

• Banco MacrocoreStrategic or Co-development Partner · 10 March 2026Telecom Argentina announced a strategic partnership with Banco Macro for its Personal Pay fintech platform. The partnership enables Personal Pay to offer financial services including digital wallet functionality, bill payments, money transfers, prepaid Visa cards, savings accounts, personal loans, and merchant QR payment acceptance. Banco Macro's banking infrastructure and regulatory standing support Personal Pay's operations as a payment services provider under Argentine financial regulations.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Claro Argentina: América Móvil's Argentine mobile, fixed and pay-TV operator and the principal remaining mobile competitor to Personal post-TMA consolidation. Closely comparable on product mix (postpaid/prepaid mobile, fiber, cable/streaming) and target segments.
• Movistar Argentina (Telefónica): Former #2 mobile operator in Argentina, whose mobile assets (TMA) were acquired by Telecom Argentina in 2025. Pre-deal, Movistar was Personal's closest direct competitor in mobile and enterprise connectivity.
• Telecentro: Argentine cable and fixed broadband operator offering pay-TV and fiber across Buenos Aires and surrounding regions. Comparable as a converged fixed+TV competitor to Personal's Fibra and Flow services.
• DirecTV Latin America (Vrio): Satellite and streaming pay-TV operator in Argentina, competing most directly with Personal's Flow platform for live TV, sports content and bundled streaming subscriptions.
• Mercado Pago: Argentina's leading digital wallet and merchant payments platform — the dominant fintech Personal Pay competes with across QR payments, prepaid cards, installments and consumer credit.

Emerging players

• Ualá: Argentine-born neobank and digital-wallet with prepaid Mastercard, transfers and consumer credit. Comparable to Personal Pay as a competing mobile-first financial-services app targeting underbanked Argentinian consumers.
• Naranja X: Argentine consumer credit card and digital wallet brand (Tarjeta Naranja / Naranja X). Comparable to Personal Pay's installment payments, consumer credit and merchant acquiring offerings within Argentina.

Regional players

• Tigo (Millicom International Cellular): Latin American fixed-mobile-converged operator across Central America and selected South American markets. Comparable as a regional telco peer of similar size and converged bundle strategy, though primarily outside Argentina.

Broad incumbents

• Vodafone Group: Global telecom incumbent operating mobile, fixed and enterprise services across Europe and Africa. Comparable as a broad telco incumbent reference for mobile, fiber and enterprise ICT — though Personal operates only domestically in Argentina.
• América Móvil: Parent of Claro and the largest wireless carrier in Latin America. Comparable as the broad incumbent parent whose Argentine subsidiary (Claro) is Personal's principal competitor, with overlapping mobile/fiber/TV portfolios across LATAM.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@personalpayok
• Facebookfacebook.com/personalargentina
• LinkedInlinkedin.com/company/personal-pay
• Instagraminstagram.com/personalpay
• Xx.com/PersonalAr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Telecom Personal