In a context of adjustment of a bus ticket in the AMBA, it already exceeds the $700technologies are strategic allies for the pocket.
During February 2026, various financial entities implement security systems refund and bonus of up to 100%allowing users to mitigate the impact of increases and travel for free.
The new rate map and “digital savings”
Since February 1, the rate floor was established at $721,83 for the minimum ticket in the Province of Buenos Aires and $650,11 in CABA. Given the partial withdrawal of state subsidies, competition between fintechs and banks has generated a «private subsidy» through refunds that mainly require the use of technologies NFC o QR.
Wallets and Banks: Who offers the best benefits?
Below, we detail the current promotions and their monthly limits to maximize savings:
Wallets and banks with confirmed withdrawals
- Orange X: It is the option with the highest limit, offering a 100% refund with a maximum of $20.000 monthly per card. It is mandatory to pay through technology NFC (using Visa debit or credit on Apple or Google Pay), since the physical card does not apply. In the case of subwayalso offers 100% refund, although with a limit of $10.000.
- Mode and Nation Bank: Through technology NFCthis alliance grants a 100% return. The monthly limit is $10.000 if card is used Visawhile for users of Mastercard the limit drops to $2.000. The campaign is valid until February 28, 2026.
- Payment Market: The central platform of the digital ecosystem usually segments its benefits by user, achieving refunds of up to $15.000. It is recommended to review the «Benefits» section of the app, since discounts are usually applied mainly through payments with QR.
- Gravel: This digital wallet comes with a 100% refund on bus and subway tickets. The established monthly limit is $10.000 and requires the use of technology NFC with the Ripio Visa card.
- DNI account: The Banco Provincia wallet focuses its benefit on the young segment (13 to 17 years old), returning transportation and cell phone recharges with a cap of $3.000 per month.
- Personal Pay: Implement a tiered benefits system. Users who reach the Level 3 They obtain higher refund percentages when paying with technology NFC linked to your Visa Personal Pay card.
Savings strategy: How to travel without paying?
The key to covering all mobility expenses for the month lies in the diversification.
- Combination of stops: A user who exhausts the benefit of Naranja $30,000 in bonus trips.
- Equivalence: This amount represents approximately 40 free trips of medium distance by bus, covering practically a month of standard work transfers.
Technical recommendations before going through the reader
For the benefit to be effective, it is vital to correctly configure the device:
- NFC Settings: On Android, you must choose the default app in the «Settings» menu before bringing the phone closer.
- Apple Wallet: iPhone users can set up an “Express Card” to pay without unlocking the device.
- Pay attention to deadlines: While some refunds are immediate, others may take up to 30 days to be accredited.
- Compatibility: Most of these promotions They do not apply with the physical cardbut through contactless payment with your cell phone.
Accumulation with Social Rate and SUBE Network
It is important to note that these benefits are cumulative with state discounts. If you have the Federal Social Rate (55% discount), the virtual wallet will refund the net amount that you actually paid after applying the public benefit. The same thing happens with the system Red SUBEwhere discounts for combining trips remain in force before the refund of the app.
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