Banco Inter
35M+ clients; super-app + US account.
- Who holds it
- The company itself — it holds a full banking licence — Bank; Public (INTR).
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from Banco Inter’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| AI | AI assistant as the interface |
| HQ | Belo Horizonte, BR |
| Founded | 2015 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Bank; Public (INTR) |
| Card | MC · Debit + credit |
| Cashback | 1% (plan) |
| Yield | CDI-linked |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Latin America |
| Countries | Brazil, United States |
| Reported users | 35M clients (2025) |
Verified links: official site ↗ · privacy ↗ · @bancointer ↗
Common questions about Banco Inter
What is Banco Inter?
Banco Inter is a fiat neobank, headquartered in Belo Horizonte, BR and founded in 2015. Your money is held custodially, so Banco Inter or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Bank; Public (INTR)).
Does Banco Inter have a card, and where can you use it?
It issues a Mastercard debit and credit card. It is available in 2 countries, across Latin America.
Does Banco Inter require KYC?
Yes. Banco Inter requires identity verification (KYC) to open an account, as a licensed bank.
What does Banco Inter cost?
From the verified fields: cashback 1% (plan); yield CDI-linked. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Banco Inter before relying on them.
Early investors
Head-to-head
Banco Inter vs Nubank · Banco Inter vs PicPay · Banco Inter vs PagBank
Peers
Wise · Nubank · PicPay · PagBank · Nequi · Ualá
Banco Inter appears in
Neobanks that hold their own banking license (132) · Neobanks available in Latin America (113) · Neobanks that issue a Mastercard (150) · Neobanks in Brazil (11)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.