Banco Supervielle

What Banco Supervielle does

Banco Supervielle S.A. is a publicly traded Argentine universal bank founded in 1888 and headquartered in Buenos Aires, operating under the Grupo Supervielle conglomerate. The bank serves retail individuals, retirees, entrepreneurs, small and medium enterprises (PyMEs), and corporate clients across Argentina through a four-segment platform architecture (Personas, Emprendedores, PyMEs, Empresas). It is regulated by Argentina's Central Bank (BCRA) and the National Securities Commission (CNV), trades on the Buenos Aires Stock Exchange under ticker SUPV, and issues ADRs on the NYSE.

The bank's core technology stack centers on digital banking infrastructure: the App Supervielle mobile application (iOS/Android), web-based Online Banking for individuals, and Online Banking Empresas (OBE) for corporate clients, supplemented by a nationwide branch and ATM network, phone banking, and WhatsApp-based customer service. It offers electronic check processing (Echeq, regulated under BCRA Communication A-6578), Visa Business/Corporate/Signature Corporate credit card programs, QR-based merchant payment acceptance, and Token-based security for high-value business transactions. Product breadth spans remunerated savings accounts (Cuenta Hit IOL at 165.5% TNA), personal/mortgage/auto loans, factoring and leasing, mutual funds, fixed-term deposits, capital markets instruments (derivatives, bonds, equities, Dólar MEP), safe deposit boxes, and Bancassurance products distributed through its wholly owned subsidiary Supervielle Seguros S.A.

The bank monetizes through a diversified mix of net interest income from loans and remunerated deposits, account and transaction fees, insurance distribution commissions, and investment product fees. It pursues a multi-channel GTM combining direct-to-consumer digital onboarding with branch-led relationship banking for SME and corporate segments. Marketing leverages a regional sponsorship of the Argentine National Football Team for brand visibility, and strategic partnerships with Mercado Libre, MODO, and Visa extend the platform into commerce, transit, and payment ecosystems.

Name

Banco Supervielle

Legal name

Banco Supervielle S.A.

Website

https://supervielle.com.ar

Company type

Public

Founded year

1888

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Banco Supervielle is a publicly traded Argentine universal bank serving retail, SME, corporate, and retiree segments through a multi-channel platform spanning branches, mobile app, online banking, ATMs, and WhatsApp, offering deposits, loans, cards, insurance, and capital markets products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

Commercial Banks, Nec (6029)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Commercial banking
• Digital banking
• Investment products
• Savings accounts

Headquarters

HQ city

City Bell

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Infrastructure, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking interest income from loans, mortgages, and credit facilities
2. Account and Transaction Fees: Commissions from account maintenance, transactions, and service usage
3. Insurance Distribution: Bancassurance revenue through Supervielle Seguros S.A. offering auto, home, mobile, and pet insurance
4. Investment Products: Revenue from mutual funds (Fondos Comunes de Inversión), fixed terms, and capital market products

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels4 records

Core offering

Banco Supervielle is a full-service Argentine commercial bank providing retail and corporate banking products through a multi-channel platform. It offers deposit accounts (interest-bearing and free checking), personal and mortgage loans, credit cards, electronic checks (Echeq), business financing (factoring, leasing, supplier payments), investment products (mutual funds, fixed-term deposits, capital markets, foreign currency), insurance distribution, and digital payment acceptance (QR) to individuals, entrepreneurs, SMEs, and corporate clients across Argentina.

Product overview

Banco Supervielle operates as a comprehensive Argentine banking group offering a multi-segment platform architecture serving Personas (retail individuals), Emprendedores (entrepreneurs), PyMEs (small and medium enterprises), and Corporativas (corporate clients). The platform is organized around a core digital banking infrastructure including App Supervielle (mobile), Online Banking (web), and Online Banking Empresas (corporate web), supplemented by extensive branch and ATM networks. The retail segment is anchored by the Cuenta Remunerada Hit IOL (interest-bearing savings account with 165.5% TNA) and supplemented by personal loans, mortgages, auto loans, credit cards with AerolíneasPlus miles program, and digital insurance products. The business segment features specialized commercial cards (Visa Business/Corporate/Signature Corporate), Echeq electronic checks, Pago a Proveedores batch payments, Transferencias Masivas, Cobranza Ágil, QR payment acceptance, factoring services, and leasing. Investment offerings span fixed-term deposits, mutual funds, Inversión Rápida 24/7, Dólar MEP currency services, and capital markets products including bonds, stocks, and derivatives. Supporting services include safe deposit boxes, Token authentication, video banking, WhatsApp chat support, telephone banking, and online appointment scheduling. Industry-specific programs target Energy and Mining sectors, while the Impulsate program supports entrepreneur development.

Differentiator

Problem solved

Functional benefit

Brands

• App Supervielle: Mobile banking application for iOS and Android
• Online Banking
• Online Banking Empresas (OBE)
• Supervielle Seguros
• Cuenta Hit IOL
• +Pyme
• Programa Impulsate
• Club Supervielle Empresas

Products and services

• App Supervielle Mobile banking application for iOS and Android enabling customers to perform all banking operations 100% online, including account management, transfers, payments, and investments.
• Online Banking Web-based home banking platform enabling customers to manage accounts, make transfers, pay credit cards, and access account information from any device.
• Online Banking Empresas (OBE) Enterprise online banking platform for business customers to manage corporate accounts, perform bulk transfers, and access advanced business services with Token Supervielle Empresas security authentication.
• Cuenta Remunerada Hit IOL Interest-bearing savings account in Argentine pesos with competitive TNA rates (165.5% TNA without cap) and free maintenance, allowing money to grow daily.
• Cuenta Remunerada Pesos (+Pyme Remunerada) Interest-bearing peso savings account for PyMEs that earns returns on positive balances, available with 12 months of fee-free account opening promotional pricing.
• Cuenta Remunerada Dólares Interest-bearing USD savings account for PyMEs with promotional fee-free period available at account opening.
• Cuenta Gratuita Universal Universal free savings account as mandated by Argentine banking regulations, free of charge for qualifying customers.
• CERA / Cuenta Empresas Free business checking account for legal entities and entrepreneurs with no maintenance fees.
• Préstamos Personales Personal loans available 100% online with flexible terms tailored to customer needs.
• Préstamos Hipotecarios Home mortgage loans with UVA (Unidad de Valor Adquisitivo) adjustment for home purchases.
• Préstamos Prendarios Auto loans for vehicle purchases with competitive rates and flexible repayment terms, secured by the vehicle.
• Anticipo de Haberes Salary advance loans allowing employees to access a portion of their earned salary before payday.
• Tarjetas de Crédito Consumer credit cards including AerolíneasPlus co-branded cards with miles rewards program and installment payment options.
• Tarjetas Comerciales (Visa Business, Visa Corporate, Visa Signature Corporate) Business credit card programs for SMEs and corporations with Visa Business, Visa Corporate, and Visa Signature Corporate options, integrated with the Club Supervielle Empresas loyalty program.
• Echeq (Cheque Electrónico) Electronic check product compliant with BCRA Communication A 6578 regulations for digital check issuance, endorsement, circulation, and collection.
• Descuento de Cheques y Echeqs (Factoring) Factoring service for discounted check and electronic check processing, enabling fast and flexible business financing through the Supervielle Cheques app and OBE platform.
• Leasing Leasing financial solutions for businesses requiring equipment or asset financing under tailored terms.
• Pago a Proveedores Multi-payment solution enabling businesses to manage and execute multiple supplier payments in a single batch operation.
• Transferencias Masivas Bulk transfer service allowing businesses to process multiple payments in a single operation for payroll, supplier payments, and other batch disbursements.
• Cobranza Ágil Efficient collection service enabling businesses to receive payments from customers through various digital channels.
• Cobrar con QR QR code payment acceptance solution allowing merchants to receive payments by generating a QR code for customers to scan, integrated with the MODO platform.
• Plazos Fijos Fixed-term deposits in pesos and dollars with competitive interest rates for investment purposes, available to retail and business customers.
• Fondos Comunes de Inversión Mutual funds investment options for various risk profiles and investment objectives, available to retail and business customers.
• Dólar MEP MEP dollar purchase service enabling simple foreign currency transactions without amount limits for retail and business customers.
• Servicios de Moneda Extranjera Foreign currency services for purchasing and managing international currencies for individuals and businesses.
• Valores Negociables Negotiable securities investment services including bonds, stocks, and capital market instruments for retail and corporate customers.
• Bonos y Acciones Stocks and bonds investment services for individuals and businesses providing direct capital markets exposure.
• Mercado de Capitales Capital markets services including derivatives and other capital market instruments for retail and corporate customers.
• Derivados Derivatives trading services for advanced investors, providing exposure to derivative instruments through Mercado de Capitales.
• Informes de Research Investment research reports and market analysis provided to retail and business customers to support their investment decisions.
• Seguros (Hogar, Auto, Celular, Mascotas, Tecnología) Digital insurance products including home, auto, cell phone, pet, and technology protection coverage distributed by Supervielle Seguros S.A., with some available through Online Banking or App Supervielle.
• Cajas de Seguridad Safe deposit boxes for protecting valuable items and assets with bank-level security at branch locations.
• Token Supervielle Empresas Security token system for approving high-value operations and authenticating transactions in the enterprise banking platform via SMS.
• Banca Telefónica Telephone banking service available at 0810-333-4959 / 0800-122-3700 for customer inquiries and transactions.
• Supervielle Chat (WhatsApp) WhatsApp-based customer service chatbot at +54 9 11 5007-4959 for inquiries and support, complementing digital and physical channels.
• Videollamada Video call service for virtual customer service appointments, enabling remote consultations without visiting a physical branch.
• Comercio Exterior International trade and foreign trade services for businesses engaged in import/export operations, available through the Empresas platform.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Ualá: Argentine digital wallet and neobank issuing prepaid cards and offering credits, investments, and personal loans to underbanked segments. Competes with Supervielle for digital-first retail and underbanked customers in Argentina, pressuring deposit and card economics.
• Mercado Pago: Argentina-focused digital wallet and fintech embedded within MercadoLibre's ecosystem offering payments, QR acquiring, credit, and deposit-like products. Competes for transactional balances and SME acquiring — the same digital rails Supervielle is investing in via App Supervielle and QR payments.

Direct peers

• Banco Macro: Major Argentine universal bank serving individuals, SMEs, and corporates with a multi-province branch network and digital channels. Closest mid/large-cap peer for Supervielle on segment mix, product breadth, and Argentine deposit-funded balance sheet.
• Banco Itaú Argentina: Argentine subsidiary of Itaú Unibanco offering retail, SME, and corporate banking plus investment products. Directly competes with Supervielle across retail deposits, cards, and SME/corporate lending within the same Argentine market.
• Grupo Financiero Galicia: Largest privately owned Argentine financial group, offering retail, SME, and corporate banking plus credit cards and capital markets. Directly comparable in segment coverage, geographic focus (Argentina), and full-service product suite; trades as a direct proxy for Supervielle.
• BBVA Argentina: Argentine subsidiary of BBVA providing retail, SME, corporate, and digital banking. Closely comparable in product portfolio including interest-bearing accounts, cards, loans, and digital channels; competes head-to-head with Supervielle for retail and SME deposits.
• Banco Patagonia: Mid-sized Argentine bank serving retail, SMEs, and corporates through a multi-channel platform including app, online banking, and branches. Closely matches Supervielle in tier of franchise size and segment coverage, making it a meaningful head-to-head competitor for SME and retail deposits.
• Banco Santander Argentina: Argentine unit of Santander Group offering retail, SME, and corporate banking plus investment products and trade finance. Comparable full-service franchise competing on similar customer segments with overlapping digital and physical distribution.
• HSBC Bank Argentina: Argentine subsidiary of HSBC offering retail, commercial, and corporate banking with a strong FX and trade finance orientation. Comparable across retail deposit products, cards, and capital markets services relevant to corporate clients similar to Supervielle's Empresas segment.

Broad incumbents

• Banco de la Nación Argentina: Argentina's state-owned national bank and dominant system incumbent with universal retail, SME, and corporate coverage plus payroll/pension distribution at scale. Provides the broadest competitive context within which Supervielle competes for mass-affluent and SME share.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• Xx.com/supervielle_arg
• Facebookfacebook.com/bancosupervielle
• LinkedInlinkedin.com/company/banco-supervielle

Compliance12 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Banco Supervielle