Banks and wallets compete with full refunds on subway and bus
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The beginning of February 2026 brought good news for people who use public transportation every day. Banks and digital wallets once again started competing with promotionsthat allow users to recover 100% of the ticket price.
In practice, the benefit translates into free rides, as long as people pay with the correct method. The key is to know which wallet to use, how to pay, and what the monthly caps are.
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Which wallets offer full refunds in February
Naranja X, one of the most aggressive options of the month
Naranja X leads the ranking with a monthly cap of $20,000 per card. The benefit applies when paying with Visa or Mastercard, both credit and debit.
The payment must be made with a cell phone via NFC, using Google Pay or Apple Pay. The refund is credited after 15 days to the debit account or on the statement if it is a credit card.
Modo and Banco Nación: 100% refund guaranteed
Modo, together with Banco Nación, keeps one of the strongest promotions of February. The benefit covers 100% of the fare when people pay with a cell phone.
billetera virtual
With a Banco Nación Visa, the cap is $10,000 per month. In the case of Mastercard, the refund reaches $2,000 per month and may take up to 30 days.
Personal Pay and tier-based refunds
Personal Pay offers variable benefits depending on how the wallet is used. The best refunds are available for users at Level 3.
Los usuarios de billeteras virtuales deberán estar atentos a los nuevos límites de transferencias
Payment is made with the Personal Pay Visa card from a cell phone with NFC. The money returns to the wallet and remains available for any expense.
Cuenta DNI and benefits for students
Cuenta DNI, from Banco Provincia, targets young people and families. In February, it offers a 100% refund on transportation top-ups for children from 13 to 17 years old.
The cap is $3,000 per month, designed to cover part of the school fare. It also adds discounts on food that help offset expenses.
Cuenta DNI | Banco Provincia
How to pay so that the refund works
The physical SUBE card doesn't activate these promotions. To travel for free, people must use modern payment methods:
Cell phone with NFC: card loaded in Google Pay, Apple Pay, Modo, or compatible wallets.
Contactless card: the plastic is tapped directly on the validator, depending on the bank.
