Banco BV
- Company typePrivate
- Founded2003
- HeadquartersSão Paulo, Brazil
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
Banco BV firmographics
Firmographics- Name
- Banco BV
- Legal name
- Banco BV S.A.
- Website
- https://bv.com.br
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Banco BV industry classification
Industry- Product category
- Retail and Commercial Banking
- NAICS
- Commercial Banking (522110)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA), Tokenized Bank Deposit & Commercial Bank Money Issuers (FSADADAB)
Keywords
Where Banco BV is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices3 records
Markets served
Banco BV business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Credit and Financing: Interest income from vehicle financing (financiamento de veículos), personal loans (empréstimo pessoal), secured loans with vehicle guarantee (empréstimo com garantia de veículo), solar energy financing, and working capital loans for businesses
- Insurance Products: Commission income from selling insurance products including auto insurance (Seguro Auto), life insurance (Seguro de Vida), financial protection insurance (Seguro Proteção Financeira), personal accident insurance, dental plans, home insurance, and solar panel insurance
- Banking Services: Fees from credit card operations (annual fees, cash advance fees), account management, payment services (boleto issuance), and cash management services for corporate clients
- Investment Products: Distribution of investment products including CDBs, fund management (Gestão de Recursos), and private banking services (BV Private) generating distribution fees and management revenue share
- Corporate Banking Services: Foreign exchange operations (câmbio), trade finance, capital markets (mercado de capitais), derivatives, government transfers (repasse governamental), and cash management for corporate clients
- Digital Asset Services: Tokenization of real-world assets through blockchain partnerships, targeting $500 million in token issuance by 2026
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Credit cards with BV Cashback of up to 1.5% |
| Freemium | Monthly | Digital account with free access and cashback benefits |
| Subscription | Monthly | Vehicle financing rates |
| Subscription | Monthly | Insurance products |
Go-to-market motion1 record
Distribution channels8 records
Marketing channels7 records
Banco BV product offering
Product offeringCore offering
Banco BV is a Brazilian private bank that provides a full range of financial products to individuals and businesses, including vehicle and personal loans, a digital checking account (Conta BV) with credit/debit cards and toll tags, investment products (fixed income, variable income, funds, ETFs, crypto, Treasury Direct, COE), insurance (auto, life, home, business, cell phone, dental, pet, and more), and corporate banking services (working capital, foreign exchange, derivatives, cash management, capital markets, and asset management via DTVM). It also offers Banking as a Service and operates an Open Finance platform for embedded finance and blockchain-tokenized receivables.
Product overview
Banco BV is a Brazilian financial institution operating as a multi-product banking platform offering a comprehensive portfolio of products and services for individual consumers (PF), businesses (PJ), and institutional clients. The core product architecture consists of three main pillars: (1) Credit Solutions including vehicle financing, solar energy financing, healthcare financing, personal loans, and vehicle-guaranteed loans; (2) Insurance & Protection including auto insurance, life insurance, residential insurance, financial protection insurance, personal accident insurance, solar panel insurance, dental plans, and assistance services; (3) Digital Banking including digital accounts, credit/debit cards with cashback programs, investments, and the App BV mobile banking platform. For corporate clients, BV offers Mercado de Capitais (capital markets), Cash Management, Banking as a Service (BaaS), working capital financing, agribusiness financing, foreign exchange operations, derivatives, and international services through BV Luxembourg. The institution also operates specialized subsidiaries including DTVM (asset management) and BV Private (private banking), supported by sustainability initiatives like BV Sempre Compensa carbon offset program and digital channels including Open Finance, WhatsApp support, and AI-powered customer service through the App BV.
Differentiator
Problem solved
Functional benefit
Brands
- BV Corporate: Corporate banking solutions for business clients
- BV Private
- BV Luxembourg
- App BV
- BVx
Products and services
- Conta BV
- Vehicle Financing (Financiamento de Veículos)
- Solar Energy Financing (Financiamento Solar)
- Healthcare Financing (Financiamento Saúde)
- Personal Loan (Crédito Pessoal)
- Vehicle-Guaranteed Loan (Crédito com Garantia de Veículo)
- BV Credit and Debit Cards (Cartões BV)
- Tag BV (toll and parking electronic tag)
- BV Investments (Investimentos BV)
- BV Insurance (Seguros BV)
- BV Corporate Banking (BV Corporate)
- BV Private Banking (BV Private)
- BV Luxembourg
- BV Asset Management (DTVM BV)
- Banking as a Service (BaaS) BV
Quantifiable outcome
- 80% faster customer interactions and 100x more personalized service through GenCore AI project
- +3 more outcomes
Companies that use Banco BV
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Banco BV technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature4 records
Banco BV partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Jabuti AGIcoreBanco BV is the first major client of Brazilian AI startup Jabuti AGI. The startup's AI conversational solution handles 180,000 daily customer interactions for the bank, with projections to reach 500,000 by year-end. Jabuti AGI uses digital twin customer profiles, infinite conversation memory, and hyper-personalization capabilities.
- XDC NetworkcorePublic blockchain collaboration for institutional financial applications. XDC Network has surpassed $100 million in tokenized real-world assets in Brazil through this partnership, with participation from multiple banks aiming to issue $500 million in tokens by 2026.
- Liqi Digital AssetscoreDigital assets platform enabling real-world asset tokenization. The collaboration with XDC Network and participating banks including Banco BV has tokenized over $100 million in assets.
- AccenturecoreStrategic alliance for AI adoption and cybersecurity. The Center of Excellence launched in December 2023 has seen 45% of joint client projects successfully move from POC to production. Accenture and Google Cloud partnership enables GenCore AI project at Banco BV.
- Google CloudcoreAI platform partnership providing Gemini Enterprise and Agentspace platform enabling GenCore project. Achieved 80% faster and 100x more personalized customer interactions at Banco BV. Over 60 joint industry accelerators deployed.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Banco BV competitors and assessment
Company assessmentDirect peers
- Banco Itaú: Brazil's largest private commercial bank offering full retail, corporate, and investment banking. Directly comparable to Banco BV across product breadth, FX/capital markets, and Brazilian consumer finance; co-participant in BV's XDC tokenization collaboration.
- Banco Bradesco: One of Brazil's largest private banks with extensive branch network, full retail and corporate product suite, and large vehicle finance arm (Bradesco Financiamentos). Comparable to BV as a multi-product commercial bank serving both individuals and companies in Brazil.
- Banco Santander Brasil: Major Brazilian commercial bank serving retail and corporate clients with vehicle financing, credit cards, and FX services. Directly comparable across product mix and target segments to Banco BV.
- Banco do Brasil: State-owned Brazilian bank with the country's largest branch network and dominant agribusiness/government transfer lending. Comparable to BV in serving both retail and large corporate segments, including government-backed credit lines (repasse governamental).
- Nubank: Brazil's largest digital bank offering credit cards, personal loans, and digital accounts to tens of millions of customers. Directly competes with BV in the Brazilian digital retail banking and credit card space.
- Banco Inter: Brazilian digital bank with full retail and corporate product suite, including accounts, credit, investments, and an in-house shopping platform. Direct competitor to BV's digital-first, multi-product consumer banking model.
- C6 Bank: Brazilian digital bank offering accounts, credit cards, investments, and personal loans with strong cashback/rewards. Directly comparable to BV's digital account + cashback credit card proposition targeting Brazilian consumers.
- BTG Pactual: Brazil's largest investment bank offering capital markets, FX, derivatives, wealth management, and consumer banking (BTG Pactual Digital). Comparable to BV's BV Corporate, BV Private, Mercado de Capitais, and derivatives lines.
- Banco Pan: Brazilian consumer-focused bank with strong vehicle financing and payroll-deductible lending franchises, owned by BTG Pactual. Closely comparable to BV's anchor vehicle financing business and retail credit model.
- Banco ABC Brasil: Brazilian mid-sized bank specializing in corporate banking, FX, derivatives, and capital markets. Comparable to BV's BV Corporate division; also a co-participant in BV's XDC Network tokenization initiative.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Banco BV social profiles
Digital presenceBanco BV compliance and trust
Trust signalCompliance5 records
Banco BV financial estimates
Financial estimateRevenue estimate
Valuation estimate
Banco BV leadership team
Management profileNumber of profiles
Profiles4 records
Banco BV funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Banco BV M&A and investment
M&A and investmentM&A
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Banco BV
What does Banco BV do?
Banco BV is a Brazilian private bank that provides a full range of financial products to individuals and businesses, including vehicle and personal loans, a digital checking account (Conta BV) with credit/debit cards and toll tags, investment products (fixed income, variable income, funds, ETFs, crypto, Treasury Direct, COE), insurance (auto, life, home, business, cell phone, dental, pet, and more), and corporate banking services (working capital, foreign exchange, derivatives, cash management, capital markets, and asset management via DTVM). It also offers Banking as a Service and operates an Open Finance platform for embedded finance and blockchain-tokenized receivables.
Is Banco BV a public or private company?
Banco BV is a private company. It is classified as corporate owned and is currently operating.
When was Banco BV founded?
Banco BV was founded in 2003. It employs 1,001 to 5,000 people.
Where is Banco BV based?
Banco BV is headquartered in São Paulo, Brazil, in the Latin America region.
How does Banco BV make money?
Six revenue lines are on record. Credit and Financing is the primary driver. The others are insurance Products, banking Services, investment Products, corporate Banking Services and digital Asset Services.
Who are Banco BV's main competitors?
Direct peers on record are Banco Itaú, Banco Bradesco, Banco Santander Brasil, Banco do Brasil, Nubank, Banco Inter, C6 Bank, BTG Pactual, Banco Pan and Banco ABC Brasil.
Does Banco BV have an API?
No public API is recorded for Banco BV.
What industry is Banco BV in?
Banco BV's product category is Retail and Commercial Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSAGALAA, BaaS Platforms & Sponsor Bank Enablement. Its NAICS code is 522110 and its SIC code is 6021.