Mercado Pago: cuenta digital for Android

Mercado Pago: cuenta digital is a finance app by Mercado Libre that provides a digital account for payments, transfers and everyday money management from a phone.

The app works as a virtual wallet, so routine tasks such as paying bills and services, topping up a mobile phone, and sending money to any bank or recipient can be handled in one place instead of through paperwork. Money can move in several ways: with funds held in the account, by credit, debit or prepaid card, by cash transfer, by bank deposit, or through a requested line of credit. A free virtual card is available for online and in-store shopping, and a physical card can be ordered in the app and shipped at no cost. Cash withdrawals are possible with the card at supermarkets and ATMs nationwide.

Beyond personal use, the app supports selling. Payments can be collected with QR codes, payment links shared through chats and social media, or a Point card reader, and card payments can be accepted without fixed fees. Mercado Crédito offers a line of credit for bill payments, top-ups, QR payments and purchases, and for business needs a loan can be applied for entirely online with the money deposited into the account.

The current version is 2.457.2, released on 2026-10-13, and it runs on Android 6.0 and above. It is free to download, shows ads, and has no in-app purchases. The listing carries an Everyone content rating and reports more than 100,000,000 installs with a rating of 4.83 from 14,848,716 ratings.

Key features

• Open a digital account for paying bills and services, topping up a mobile phone, and making transfers to any bank or recipient
• Receive online payments and manage personal finances from a single place
• Pay with a QR code or a payment link
• Choose among several payment options: account funds, credit, debit or prepaid card, cash transfer, bank deposit, or a requested line of credit
• Request a free physical or virtual card with no annual or issuance fees
• Withdraw cash with the card at supermarkets and ATMs nationwide
• Shop online or pay in up to 12 fixed monthly installments with Mercado Crédito without using a credit card
• Activate Daily Earnings to generate daily earnings on the account balance
• Earn Mercado Puntos benefits such as discounts, free shipping and easy returns
• For sellers: collect payments with QR codes, payment links, or the Point card reader, and accept card payments without fixed fees

How to install

1. Tap the download button on this page to get the APK file for Mercado Pago: cuenta digital.
2. If Android asks for permission, allow your browser or file manager to install apps by enabling the "Install unknown apps" setting for that app.
3. Open the downloaded APK file from your notifications or your file manager. The file size is not specified for this release, so check the space on your device before starting.
4. Tap Install and wait for the process to finish.
5. Open the app. It requires Android 6.0 or later.

It suits people who want a phone-based account for everyday payments, bill paying, phone top-ups and transfers, as well as those who want a virtual or physical card without annual or issuance fees. Small sellers who need to collect payments by QR code, payment link or card reader, and shoppers who want to pay in installments through Mercado Crédito, will also find relevant tools here.

Turn on Daily Earnings in the app if you want your account balance to generate daily earnings. Order the free physical card early so you can withdraw cash at supermarkets and ATMs while traveling. Sellers should compare QR code and payment link collection with the Point card reader, keeping in mind the reader's regional availability. Keep the app updated to version 2.457.2 or later for the latest fixes.

Mercado Pago: cuenta digital brings a digital account, cards, credit options and payment collection into one free app for Android 6.0 and above. With version 2.457.2 released on 2026-10-13, it is a practical choice for handling routine money tasks and sales from a phone.