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Reviews / Klar Edition №07 · 11 March 2026 · 1,500 words

Klar,
reviewed.

Mexican challenger neobank under SOFIPO licence (CNBV). Credit-card-led — competes with Stori for the underbanked-credit segment.

Editor
Stephan Kulik
Founded
2019
EU customers
1.5 M
min read
6 / ~1,500
Disclosure Klar does not pay us a referral fee. This review is purely editorial. See the methodology → klar · no_commission
79/100
Klar is a SOFIPO — IPAB cover applies in limited scope, not full-bank scope. Read the fine print before scaling deposits.
Rank #49 / 60LatAm SOFIPO challenger
CategoryLatAm SOFIPO challenger
LicencePayment
KlarEdition №07
Licence
Payment institution
CNBV (SOFIPO licence)
Deposit protection
IPAB partial (SOFIPO scope)
IPAB (limited SOFIPO scope)
Customers (EU)
1.5 M
As of 2026-Q1 — // TODO(verify)
IBAN
MX (MXN)
MXN primary
01
Reviews

Klar, in full.

What Klar is, in 2026

Mexican challenger neobank, founded 2019. SOFIPO licence under CNBV. Credit-card-first — Klar credit card with cashback rewards. ~1.5M customers.

Safety and regulation

SOFIPO licence (CNBV regulated); IPAB cover applies in limited scope. SOFIPOs sit outside the full-bank scope of IPAB.

Who Klar is for

Use Klar if: you're an MX resident wanting credit-card access + savings yield from a digital-first SOFIPO. Use Stori instead if no minimum income is the priority.

02
Pricing

Klar's plans, side by side.

Klar Standard
Custom /mo
Free — SOFIPO
  • Free — SOFIPO
03
Scorecard

How we got to 79.

79/100
Same six dimensions we apply to every neobank in the index. Weights published; unchanged within an edition.
Regulation & safetyLicence class · DGS · resilience
25%64
Pricing & feesTransparent and competitive
20%88
Hands-on UXExtended primary-account test
20%85
FeaturesVaults · stocks · crypto · insurance
15%90
App stores iOS 4.4 · Android 4.3
10% 87
04 — Verdict

Credit-card-led MX neobank with ~10% savings APY.
SOFIPO licence — limited IPAB cover. MX-only. Credit-card-first.

Klar is a Mexican challenger neobank operating under a SOFIPO (Sociedad Financiera Popular) licence under CNBV — not a full-bank charter. Credit-card-led product (Klar credit card, cashback rewards), free Klar account, ~10% APY on Klar Savings, digital onboarding via INE. ~1.5M customers; ~$100M raised. SOFIPOs sit outside the full-bank scope of IPAB cover — check the limits before scaling deposits. Competes with Stori in the Mexican underbanked-credit segment. Use Stori if no minimum income matters; use a Brazilian or Colombian full-bank-backed neobank if you want full deposit-protection cover.

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Edition №07 · Updated 11 March 2026