Cora vs RappiPay.
Cora (C51/100) and RappiPay (R50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Cora leads RappiPay 3-0.
| C Cora №71 · BACEN 51 /100 | R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 51 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Payment inst. |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | Safeguarded CO.FOGAFIN |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.3 ★ iOS 4.3 · And 4.2 |
| Read review → | Read review → | |
Pick Cora if…
Brazilian SMB neobank with the strongest working-capital credit-line product among BACEN payment institutions. Cora Crédito underwrites loans on bank-statement signal — same model as Mercado Crédito but without the marketplace-flow dependency. Free Conta PJ keeps customer-acquisition friction low; credit-line draws generate the revenue. Backed by ~$230M from Tiger Global, Greenoaks Capital, others. ~300K BR business accounts.
Pick RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
- Best for fees Cora won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Cora won 1 of 2
Cora vs RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cora better than RappiPay?
Under our v3 methodology, Cora leads RappiPay 3–0 across 12 dimensions. Composite scores: Cora 51/100 vs RappiPay 50/100. Cora is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Cora or RappiPay cheaper?
Monthly fee — Cora: €0; RappiPay: €0. Card FX markup — Cora: 1.50%; RappiPay: 3.00%. Cora wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Cora or RappiPay?
Cora holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Cora and RappiPay?
Cora operates in 1 country; RappiPay operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.