X World Wallet LATAM Airlines Corporate Card
Terms and Conditions

This Account Agreement is effective as of October 31, 2022.

This Agreement, together with any other documents we provide you, governs the use of your X World Wallet Corporate LATAM Airlines Card (“X World Wallet Corporate LATAM Card”). The X World Wallet Corporate LATAM Card is a multi-currency digital account. The card associated with your Account (“Card”) is  issued by Rêv México, SA de CV (“Rêv México”) pursuant to its license with Mastercard International. Rêv México is responsible for managing X World Wallet Corporate LATAM Airlines Card Accounts. “We” and  “our” refer to Rêv México, its successors, affiliates, agents or assigns.


The X World Wallet Corporate LATAM Card is a multi-currency digital account that allows you to make purchases with a Physical and Virtual Card (“Account”) that are issued together with the Account. You may also have the option of using your mobile phone to make purchases of goods and services at merchants that are equipped to accept these types of transactions. LATAM provides you with the Account/Card, mainly as a way to pay your per diems. LATAM will credit funds to your Account according to the LATAM Per Diem Policy.
The Account has the following characteristics:

  • The Card is issued at the request of LATAM.
  • Deposits of funds to your Account are made according to instructions received from LATAM.
  • In the event of a dispute regarding the deposit of funds, you must contact LATAM.
  • In the event of a dispute regarding a purchase, you should contact Rêv México’s Customer Service center.
  • Rêv México may cancel the Card in case of unusual or improper use.
  • Rév México will notify LATAM within 24 hours of the Account cancellation, and LATAM will decide whether or not to reactivate the Card.

You are the only authorized user of the Account and the Card. You are responsible for all authorized transactions undertaken by the use of your Account and/or Card. If you allow another person to access or use your Card or Credentials, such use will be considered as authorized by you and, therefore, you will be responsible for all transactions and charges incurred by said person.


You can activate your Account by following the instructions in the mobile application or on the Website (https://latam.xworldwallet.com/login ).
By activating and using the Account or Card, you represent and warrant to us that:

  • You have received a copy of this Agreement and agree to it; and
  • You accept the Account and the Card.

Deposits of funds to your Account will be made by LATAM Airlines according to its Per Diem Policy.


You can check your Available Balance at any time in the X World Wallet Account Center (“Account Center”) that is accessible via the Website (https://latam.xworldwallet.com/login ) or the application on your mobile phone, where you will be able to see the funds available in each of the Currency Wallets. The Available Balance for each Foreign Currency Wallet will be displayed in the corresponding currency.
Spending on the Account is limited to your Available Balance. You are not allowed to exceed your Available Balance or create a negative balance through an individual transaction or a series of transactions.
If your Available Balance is not sufficient to pay for any transaction, we may, at our discretion, deny the transaction.


Once LATAM credits funds to your Account, the funds can be transferred between the electronic Wallets, either in the Account Center or the mobile application. In either case, you will be provided with the Applicable Exchange Rate quote prior to initiating the transfer of funds between your Wallets. The quote will be valid for a limited time and if you accept the quote, we will immediately debit the source Currency Wallet and credit the destination Currency Wallet using the Applicable Exchange Rate presented.
When you make a transaction in one of the currencies in your electronic Wallet:

  • If you have sufficient funds in the electronic Wallet for the currency of the transaction, we will first debit the funds from said Wallet;
  • If there are no funds, or insufficient funds, in your electronic Wallet in the currency of the transaction, your Card will debit the funds in the electronic Wallet, in the order of preference that you indicated. The transaction can be completed using multiple Currency Wallets;
  • Each time funds are transferred from one currency to another in your electronic Wallet, an Automatic Wallet Transfer will be performed and the Applicable Exchange Rate will apply.

When there are insufficient funds in all Currency Wallets to process the transaction, the transaction will be declined.
The default Currency Order will always start with the local currency in your electronic Wallet. You can change the Currency Order at any time. If you have not established a specific order of currencies, the system will automatically list, on your behalf, the currencies in the electronic Wallet to be able to process a transaction, according to the following order: USD, GBP, EUR, MXN and BRL.
If you withdraw funds from an ATM that dispenses a currency other than that of the country where the ATM is located, the ATM operator may convert the amount withdrawn to your local currency before converting it back to the currency being dispensed . This may occur even when the currency being dispensed is the same as that on your Card. The amount debited from your Card may be greater than the amount dispensed by the ATM. Not all ATM operators inform, before withdrawing money, the ATM service fee that will be charged to your Card.
The following withdrawals will be free of service fees collected from either Rêv México or the ATM owner:

  • One withdrawal per month per load for a minimum amount of USD 50, or
  • Two withdrawals per total load of USD 200 (or equivalent in another currency)
  • We will determine the Applicable Exchange Rate each time you ask us to perform a currency exchange transaction using your multi-currency Wallet.
  • The Applicable Exchange Rate varies and is based on the rate we select from one or more currency providers on the applicable processing date and time. This Applicable Exchange Rate may be different from the rate we ourselves receive, or the prevailing rate imposed by the government.
  • We determine the Applicable Exchange Rate that will be applicable to you on the type of currency exchange transaction you are requesting, and when we receive your request.
  • The specific Applicable Exchange Rate you receive for any currency exchange is not published in any newspaper, website or other publicly available source. There are entities that may publish indicative rates or “spot rates” for currencies, but these published spot rates can change frequently and generally reflect rates for large volume transactions made by institutional investors at a specific time. In addition, these published rates do not necessarily reflect transaction costs, and do not accurately reflect the exchange rates available to you or us at the precise time you want to exchange currency.
  • For each transaction where you actively initiate a Wallet-to-Wallet foreign currency conversion, you will be informed of the Applicable Exchange Rate and you may or may not approve the transaction.
  • For each transaction in which an Automatic Wallet Transfer is made, the Applicable Exchange Rate will be included in your Account history and on the applicable statement.

Subject to the terms and conditions of this Agreement and your Available Balance to cover any transaction, you may use the Card anywhere Mastercard is accepted to: (i) pay for goods and services, and (ii) withdraw cash at an ATM or at a financial institution. All of your Cards, whether Physical Card, Digital Card or a Virtual Card, are drawn from the same Available Balance in your Account. You can use your Virtual Card to make purchases online, by mail or by phone with merchants that accept Mastercard network cards, without the need to share your Physical Card details. Your Account allows you to create up to ten (10) Virtual Cards, but you will only have one active Virtual Card at any given time. However, we reserve the right to limit the maximum number of Virtual Cards during the Account’s term to prevent abuse of our systems, mitigate fraud, or lower the risk profile of the Account.

The Account and Card(s) are valid until one of the following occurs: (i), the expiration date shown on your Card; or (ii), the closure of the Account at your request, at the request of LATAM or by us in accordance with this Agreement.
If the Available Balance is not sufficient to cover the amount of the transaction, including fees and foreign currency conversion fees, you may instruct the merchant to charge a portion of the purchase to the Card and pay the remaining amount in cash or with another form of payment.

Similarly, some merchants (such as hotels, car rentals, restaurants and cruise ships) may request a pre-authorization on your Card for an amount from 0% to 20% or more of the total purchase price (or advance purchase price) to cover additional items such as tips and incidentals or to ensure that sufficient funds are available to cover the final purchase price. The full amount of the pre-authorization will be deducted from your Account and any amount in excess of the final purchase price will not become part of your Available Balance until the final authorization is processed. In addition, while you may have enough Available Balance to cover the full purchase price, the transaction may be declined because the amount sought to be preauthorized exceeds the full purchase price and your Available Balance. The amount by which the pre- authorization or approval was in excess of the final purchase amount will be added back to the Available Balance when the final transaction settles; in some cases, this may take up to 30 days from the date the final transaction is made, especially if the merchant processes the pre-authorization and the final purchase as separate transactions. We will not be liable to you if (i) we decline any Card transaction because of such a preauthorization hold, or (ii) a merchant delays or fails to complete final processing of any Card transaction.
We may continue to honor your transactions and instructions until: (i) we learn of your death or adjudication of incompetence, and (ii) we have had a reasonable opportunity to act on that information.


Please notify us immediately if you believe your Account Credentials have been compromised or an electronic fund transfer has been made without your permission. You can notify us by either (i) contacting Rêv México’s Customer Service through the various channels described in the Card user guide, (ii) by using the phone number and website listed on the back of your Card or (iii) through your mobile application.

Zero Liability for Mastercard Transactions

Unless you have been negligent or have committed fraud, you will not be responsible for any unauthorized transactions with your lost or stolen Cards. This additional limit of liability does not apply to ATM transactions not received by us via the Visa, Mastercard or Plus networks, or to transactions using your Personal Identification Number (“PIN”) that are not processed by Mastercard. Subject to the exceptions above, your liability for improper transactions with your Mastercard processed through a Mastercard network, as applicable, will be zero US dollars ($0.00).
Please note that you may lose all Available Balance in your Account if you fail to notify us of any unauthorized use of your Card in any of the following ways:
If you notify us of the loss of your Card before someone uses it, you will not be responsible for any unauthorized transactions. If someone uses your Card before you report it lost or stolen, your liability depends on how quickly you reported it lost or stolen:


For purposes of these disclosures, Business Days are Monday through Friday, excluding federal holidays in Mexico.
If someone makes unauthorized transactions using your Card number, but the Card is still in your possession, you are only responsible for those transactions according to the table above as long as you report them within 60 days from the date your Card statement is available. However, you may not get back the money you lost after 60 days if we can demonstrate that we could have prevented someone from using your Card or Account if you had notified us within 60 days.
You agree to cooperate with us in the investigation of any loss (“Claim”). We will have a reasonable period of time to investigate the facts and circumstances relating to any Claim. Unless we have acted in bad faith , we will not be liable for any special or consequential damages, including lost profits or lost opportunities, or any attorneys’ fees incurred by you. You agree that you will not waive any right you have to recover your loss against any person who is obligated to pay, insure, or reimburse your loss. If you do not exercise your rights, at our discretion, you will assign them to us so that we can exercise them. Our liability will be reduced by the amount that is recovered or entitled to recover from these other sources.

How to Protect Your Cards, PINs and Account Information
  • Do not use the Credentials, including the PIN, in settings where others can see them;
  • Do not enter your Credentials or PIN into any terminal, machine or interface that appears modified or suspicious.
  • Save your receipts to check against your monthly statements.
  • Cut old Cards along the Account number before throwing them away.
  • Quickly access your mobile app and compare spending history in your Account with your receipts. Please inform us of errors or discrepancies as soon as possible.
  • Do not carry your PIN in your wallet, purse, or pocket, or write it on your Card. Keep it in your memory.
  • Never write your PIN on paper that could be lost or seen by others.
  • Please check your Account activity regularly and report any discrepancies to us immediately.
  • For security and fraud prevention purposes, we may require you to change your Credentials, including your PIN, at any time, or each time we renew or reissue your Card.

For errors or questions about your transactions, log into your Account via your mobile app or the Account Center and select “Dispute a Transaction.” If you think your mobile balance or receipt is incorrect, or if you need more information about a transfer listed on the mobile app or receipt, you can call us at the phone number below or email support@xworldwallet.com , as soon as you can.
You can reach our live agent Customer Service 24/7 by calling +52 55 7005 5003.
We must hear from you no later than 60 days after the transaction first appears in your Account history. When submitting a written dispute, please include the following information:

(i) Tell us your full name and address listed on your Account and a telephone number and email address where we can contact you. Please note that once we contact you, as part of your Account security protocols, you will need to verify your identity before submitting any Claim.
(ii) Describe the error or transaction you are concerned about and explain as clearly as you can why you believe it is an error or why you need more information.
(iii) Notify us of the amount of the suspected error.

If you tell us verbally, we may require you to send us your complaint or question in writing or by email, within 10 Business Days from the date you first contact us.
We will determine whether an error occurred within 10 Business Days (5 Business Days if it is a point-of-sale transaction processed by Mastercard) or 20 Business Days if the transfer involved a new Account after we hear from you, and we will correct any errors promptly. However, if we need more time, we may take up to 45 days (90 days if the transfer involves a new Account, point-of-sale transaction, or foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your Account within 10 Business Days (5 Business Days if it is a point-of-sale transaction processed by Mastercard, or 20 Business Days if the transfer involves a new Account), the amount you think is in error, so you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your Account. An Account is considered a new Account for 30 days after the first load is made, if you are a new customer.
We will inform you of the results within 10 Business Days of completing our investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting Customer Service.
If you need more information about our error resolution procedures, please call us at +52 55 7005 5003, or email us at support@xworldwallet.com for Customer Service, or visit https://xworldwallet.com/partners/latam.


Disputes regarding the quality, nature, delivery, or other aspects of goods or services purchased with your Account or Card should be directed and handled directly with the merchant or payment recipient that provided the goods or services.
Rêv México will not accept responsibility for the quality, nature, delivery or other aspects of the goods or services purchased with your Account or Card.
Rêv México will not be obligated to participate in any dispute that arises between you and a merchant or a bank. In addition, a dispute with a retailer or a bank does not exempt you from complying with the rules governing the use of the Account and this Agreement.
If for any reason you are entitled to a refund from a merchant or payment recipient that provided goods or services, you agree to accept the corresponding credit to your Account and agree to the merchant’s refund policy.


The following Fees will apply to your use of your Account.


Customer Service is available to you through our mobile app, web Account Center and live agents, who are available to answer your calls 24 hours a day, 7 days a week, including holidays. You can reach a live agent by emailing support@xworldwallet.com or calling +52 55 7005 5003 .
We may monitor and/or record telephone calls and other communications between you and us to comply with applicable law or perform quality control of our Customer Service. You agree that we or our agents may contact you at any telephone number you provide to us, including your cell phone number, for any informational purpose related to your Account or Card, other than for telemarketing purposes. You agree to receive these calls through an automated system, electronic or pre-recorded voice messages, or automatically generated text messages. You understand that your telephone service provider may charge you for these calls/messages.
However, our staff has the right to end any call if your language or behavior during the call includes any of the following:

  • Threats of physical harm or violence,
  • Inappropriate religious, cultural or racial slurs,
  • Homophobic, sexist, or other derogatory comments.

By activating your Account and using the Card, you hereby consent to and agree to receive notifications, notices, agreements, fee schedules, statements, records, documents and any other information we provide to you, or that you sign, send or agree to our request (collectively, “Communications”).
You hereby acknowledge that, as part of your relationship with us, we may deliver all Communications to you electronically and use Electronic Records and signatures. The legal validity of Communications will not be denied for the sole reason that they have been made electronically.
We may, in our sole discretion, provide you with Communications in electronic format (“Electronic Records”). Electronic Records can be sent to you in a variety of ways, including through the Account Center, email, or SMS text messages. Therefore, it is your responsibility to keep your email address and phone number up to date with us, and to ensure that you have access to the relevant hardware and software to receive these Communications. Any Communication will be provided to you in English, Portuguese or Spanish, depending on your preference.


We may modify this Agreement at any time by posting the modified Agreement on our website and Account Center. Any amendment shall be effective upon such posting on the Website and in the Account Center or on the date specified in the amendment or related notice.
Prior to the effective date of any such change, we will notify you in accordance with applicable law. If the change is made for security reasons, we may implement such change without prior notice.
Please note that we may suspend or close your Account and cancel your Card at any time if we determine the following:

  • We believe that use of the Card may cause a loss to you or us;
  • We believe that the Account or Card is being used fraudulently or that there are fraudulent transactions;
  • We determine that you have not provided accurate or complete information about yourself, your identity, or your transactions;
  • We believe it is reasonable to do so for security or regulatory reasons.
  • We determine that you have breached any material term or condition of this Agreement; or
  • We suspect that the Card has been used illegally.

In any of the above circumstances, we may close or suspend the Account or cancel the Card without notice. Once all transactions have been processed, any Available Balance will be converted to USD at the Applicable Exchange Rate, within 45 Business Days of Account cancellation or suspension. You agree that if we suspend or close the Account or cancel the Card, we will not incur any liability to you.
Once the suspension period has elapsed and it has been determined whether or not your Account complies with the provisions of these Terms and Conditions as well as with the corresponding legislation, you may request status of the suspension of your Account. In the event that it is determined that you have not violated any provision of these Terms and Conditions or any law to which this is subject, we may, at our sole discretion, permit you access to your Account. While we will inform you if the decision is made to permit you access to your Account, we will have no obligation to inform you if we decide not to permit you access to your Account. In any case, you can contact Customer Service for more details on the status of your Account..
Termination of this Agreement will not affect any rights or your obligations arising under this Agreement prior to termination.


Your Account, Card and your obligations under this Agreement may not be assigned or transferred. We may assign or transfer our rights under this Agreement, including by changing the Issuer, without requiring your consent.
We do not waive our rights by delaying their use, or failing to exercise them at any time.
If any provision of this Agreement is found to be invalid or unenforceable under any rule, law or regulation of any federal, state, local or government agency, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement shall be governed by the laws of the Federal Government of Mexico.
If you cease to be a LATAM employee, you will have 30 days to use or withdraw any Available Balance in your Account.


Last Update Date: October 31, 2022
Rêv México S.A. de CV (hereinafter referred to as “Rév”), who is responsible for the protection of your Personal Data, assuming responsibility for its use, handling, storage and confidentiality, in accordance with the provisions of the Federal Law of Protection of Personal Data Held by Private Parties (hereinafter LFPDPP), and also to make you aware of the information related to the main characteristics of the use to which your Personal Data will be subject, issues this Privacy Notice.

Definitions related to Privacy

ARCO Rights: Rights of Access, Rectification, Cancellation and Opposition.
Administrator: The natural or legal person who, alone or jointly, processes Personal Data on behalf of the company.
Legislation or Applicable Current Law: Refers to the LFPDPPP, its regulations, as well as any legal system that regulates the collection, storage and transmission of Personal Data, applicable. In the specific case of customers domiciled in Brazil, it refers to Law No. 8078 and Decree No. 10,271.
Personal Data: Any information concerning an identified or identifiable natural or legal person. For more information see https://xworldwallet.com/partners/latam/agreements/


The following terms have these meanings wherever they are used in this Agreement.