# Track your expenses in Puerto Rico, in dollars

> Your spending in Puerto Rico, in dollars: ATH Móvil payments, the power bill as recurring, the Christmas Bonus. With Apple Pay (Pro), they log themselves.

_By [Gonzalo Nahmías](https://getkesef.app/en/gonzalo-nahmias) · Updated on 2026-11-06_

**63 people in Puerto Rico have used Kesef** (number 24 of 132 countries, as of 2026-11-09).

**In short:** Kesef is a free iPhone and Android app, in English or Spanish, to track your spending in Puerto Rico in dollars. You dictate what you pay through ATH Móvil, see the power bill coming and plan the Christmas Bonus before Black Friday. Kesef Pro adds your Apple Pay payments without you typing them.

This page explains how Kesef works in Puerto Rico: how it handles the US dollar, what logs itself and what's worth logging on the spot.

## The US dollar in Kesef

Kesef follows your phone's language: in Spanish you get Latin American Spanish and the dollar written as US$ (US$ 1,250.50); in English, the app in English and the dollar as $. You pick the main currency on the app's first screen: for Puerto Rico, the US dollar.

If you buy in another currency, on a trip or online, that expense stays in its currency and Kesef adds it to your dollar totals at the day's international rate.

## Apple Pay in Puerto Rico: payments that log themselves

Apple lists Puerto Rico among the countries with Apple Pay, so with Kesef Pro, on an iPhone running iOS 17 or later, every Apple Pay payment logs itself with its amount and merchant. You turn it on once from the Shortcuts app. Mercado Pago isn't offered in Puerto Rico: whatever you pay by transfer or in cash, dictate it or log it with a receipt photo.

## The Christmas Bonus, between November and December

In Puerto Rico, Act 148 of 1969 requires private employers to pay a Christmas Bonus to anyone who meets the minimum hours, between November 15 and December 15. It's a percentage of salary up to a cap, and it depends on how many employees the company has.

It arrives right before Black Friday and holiday shopping. In Kesef you log it as income and set up a gifts budget: it tells you how much you can spend per day until the period closes, so you know whether the bonus covers it before you swipe the card.

## Examples in Puerto Rico, in dollars

- **Example (Lunch via ATH Móvil):** You pay a food truck $15 through ATH Móvil and dictate it on the spot: "lunch, 15". It stays in dollars, your account's currency.
- **Example (The power bill):** You add it as a monthly recurring expense of about $120 and see it coming in your upcoming movements; when the bill arrives, you adjust the amount.
- **Example (A bedroom set in 12 installments):** A $1,200 bedroom set financed over a year on the card: you log it once and see $100 in each of the next 12 months.

## Frequently asked questions

### Does Kesef work in Puerto Rico?

Yes. Kesef is a free download in Puerto Rico on the App Store and Google Play and tracks your spending in dollars. How many people use it from Puerto Rico is at the top of the page, with the day's count.

### Can I track my expenses in dollars?

Yes, and they look like this: $1,250.50. When you start, pick the US dollar as your main currency.

### Do my Apple Pay payments log themselves in Puerto Rico?

Yes, with Kesef Pro on an iPhone running iOS 17 or later. There's no Apple Pay on Android.

- [Your Apple Pay payments, logged on their own](https://getkesef.app/en/features/apple-pay)

### Does Kesef have Mercado Pago in Puerto Rico?

No. Mercado Pago is offered in Argentina, Brazil, Mexico, Colombia, Chile, Peru and Uruguay. What logs itself, on iPhone, is Apple Pay.

### How do I use Kesef with the Christmas Bonus?

Log it as income on the day it's paid and set up a budget for December gifts and outings. Kesef shows how much you have left per day, and anything you pay in installments appears in your upcoming movements for January.

## Sources and review date

Data checked on 2026-11-06.

- [Apple: countries and regions that support Apple Pay](https://support.apple.com/en-us/102775)
- [Departamento del Trabajo de Puerto Rico: Ley 148-1969, Bono en la Empresa Privada](https://trabajo.pr.gov/docs/Avisos/Ley%20148-1969,%20Ley%20del%20Bono%20en%20la%20Empresa%20Privada.pdf)
- [Metro Puerto Rico: comienza el período para pagar el Bono de Navidad](https://www.metro.pr/noticias/2025/11/14/comienza-el-periodo-para-pagar-el-bono-de-navidad-trabajo-advierte-a-patronos-sobre-requisitos-y-plazos/)

## Your dollars, in English or Spanish

Download it free on iPhone or Android and log your first expense by voice.

## Download

- iPhone (App Store): https://apps.apple.com/app/id6758053806
- Android (Google Play): https://play.google.com/store/apps/details?id=com.kesef.app

## Keep reading

- [Your Apple Pay payments, logged on their own](https://getkesef.app/en/features/apple-pay)
- [Track spending across currencies without doing the maths yourself](https://getkesef.app/en/features/multi-currency)
- [Log the whole day's expenses by talking, in one go](https://getkesef.app/en/features/voice-expense-tracking)
- [Savings goals: set the amount and Kesef tells you whether you'll make it](https://getkesef.app/en/features/savings-goals)
- [Is it better to pay in instalments or in cash?](https://getkesef.app/en/tools/instalments-vs-cash-calculator)
- [Kesef or Splitwise: which one fits how you split expenses](https://getkesef.app/en/compare/kesef-vs-splitwise)

---

Esta página en español: https://getkesef.app/puerto-rico.md
HTML: https://getkesef.app/en/puerto-rico