Interbanking

What Interbanking does

Interbanking S.A. is a privately held Argentine B2B digital financial services platform incorporated in 1996, headquartered in Buenos Aires with a legal domicile in Tandil. The company operates a multi-bank connectivity platform that links Argentine corporates to all 58 banks in the country through a single interface, enabling centralized treasury operations including balance queries, transfers, payments, collections, and reporting. Its core products are organized around Tesorería Digital (Digital Treasury), Banca Digital, Pagos y Cobranzas (tax, customs, social security and B2B payments), Inversiones (mutual fund management), Interlegajo (digital payroll and document management), and the Frisvy sub-brand for supplier invoice communication. The underlying infrastructure includes the SIB platform for user/permission management, InterAPIs for system integration, and a BCRA-homologated clearing chamber (cámara compensadora) that constitutes regulated financial market infrastructure and is operated in compliance with BCRA Communication A-5775 (PFMI principles).

The technology stack emphasizes security and interoperability: ISO 27001 certification (first in the Argentine financial sector), TLS 1.2/1.3 encryption, dynamic-key second-factor authentication, digital signature authorization schemes, and AFIP homologation as a tax collection platform. Distribution is 100% digital through the website, self-serve onboarding (registrate.interbanking.com.ar with CUIT verification), enterprise sales contact forms, the iOS/Android mobile app, and the IB Campus education platform. The go-to-market targets SMEs and large enterprises horizontally, with a secondary push into municipalities and supplier networks.

Revenue is generated via tiered monthly subscriptions for the Digital Treasury plans (Gratuito+, Básico, Avanzado, Full, Premium), API and InterAPIs connectivity fees bundled into higher tiers, and clearing-chamber / electronic-banking service fees charged to financial institutions. The company is privately held with no disclosed funding rounds, M&A, parent entity, or institutional investors in the available data, and has 101–250 employees per firmographic inputs.

Name

Interbanking

Legal name

Interbanking S.A.

Website

https://interbanking.com.ar

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

Interbanking S.A. is a 30+ year Argentine B2B digital financial services platform that connects corporates to all 58 Argentine banks via a BCRA-homologated clearing chamber, offering centralized treasury, payments, and API integration on tiered subscription plans.

Ownership category

akta.pro rank

Headquarters

HQ city

Tandil

HQ country

Argentina

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Plans (Planes): Tiered subscription plans (Gratuito, Básico, Avanzado, Full, Premium) with varying limits on transfers and reports. Plans offer unlimited banks/accounts, investment modules, and payment capabilities. Additional 50% bonus promotion for first 3 months on Inicial, Intermedio, and Plus plans.
2. Clearing Chamber (Cámara Compensadora) Fees: Fees charged to financial institutions for clearing chamber services: initial connection fee of $15,117,135 ARS and monthly fees of $2,455,676 ARS for clearing services and $5,104,664 ARS for electronic banking.
3. InterAPIs Connectivity: API connectivity services included in certain plans (Plan Básico and above) for consultive and transactional API access.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Interbanking operates a B2B digital financial services platform that connects Argentine companies with 58 banks nationwide, enabling centralized multi-bank treasury operations, electronic payments and collections, payroll digitization, and API-based banking integration. The company also runs a BCRA-homologated clearing chamber (cámara compensadora) that forms part of Argentina's financial market infrastructure, processing high-value intercompany financial transactions.

Product overview

Interbanking is a B2B digital financial services platform offering a modular product portfolio. The core platform, Tesorería Digital (Digital Treasury), provides multi-bank treasury operations with connectivity to 58 Argentine banks. This core is supplemented by specialized modules including Banca Digital for electronic banking, Pagos y Cobranzas for tax/customs/social security/service payments, Inversiones for mutual fund management, and Interlegajo for payroll/document management. The subsidiary brand Frisvy handles supplier communication and invoicing. InterAPIs provides API connectivity for system integration. The SIB platform serves as the underlying technology infrastructure. Subscription access is tiered through five plans (Gratuito+, Básico, Avanzado, Full, Premium) differentiated by transaction volumes and feature access. Mobile access is available via the Interbanking App.

Differentiator

Problem solved

Functional benefit

Products and services

• Tesorería Digital (Digital Treasury) Central platform for multi-bank treasury operations enabling businesses to integrate and centralize operations across 58 Argentine banks and financial entities, query balances and movements, perform transfers between own or third-party accounts, manage access permissions, and integrate with internal management systems.
• Pagos y Cobranzas (Payments and Collections) Digital payment and collection service enabling companies to pay and collect all types of obligations including tax (AFIP/ARCA), customs, social security, business-to-business, and service payments, processed 100% digitally.
• Interlegajo Document management solution for payroll and employee documentation, including digital pay slips distribution, leave request management, and digital signage for workplace announcements.
• InterAPIs Suite of APIs enabling companies to connect internal systems with Argentine banks, including consultive APIs for real-time financial visibility, transactional APIs for automated payments and transfers, and account validation APIs for CBU verification.
• Inversiones Investment management platform enabling subscription and redemption of Mutual Funds (FCI), visualization of FCI holdings across entities, comparison of market FCI information, and download of financial management data.
• Frisvy Supplier communication and document management platform that centralizes invoice receipt, optimizes supplier communication, provides visibility into invoice payment status and certificates, and supports informed financial decisions.
• App Interbanking (Mobile App)

Quantifiable outcome

• Operate with 58 banks from single platform
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Ualá: Ualá is an Argentine-founded neobank offering digital accounts, payments, and business banking tools. It targets SMEs and enterprises with multi-bank, digital-first financial services, partially overlapping with Interbanking's treasury and electronic banking value proposition in the Argentine market.
• Naranja X: Naranja X is the digital financial platform of Tarjeta Naranja in Argentina, offering accounts, payments, lending, and merchant services. It is expanding into B2B payments and SMB banking, partially overlapping with Interbanking's enterprise payment and treasury solutions.
• BIND (Banco Industrial): BIND is an Argentine digital bank focused on corporate and institutional treasury, payments, and cash management. It competes with Interbanking for enterprise treasury and electronic banking customers, offering modern API-driven banking as a direct alternative to Interbanking's platform.

Regional players

• PagSeguro (PagBank): PagSeguro PagBank is a major LATAM digital payments and acquiring platform offering accounts, payments, and treasury tools to merchants and SMBs. It serves as a regional comparable for B2B digital banking and payment aggregation, similar to Interbanking's role in Argentina.
• Treezor: Treezor is a European Banking-as-a-Service (BaaS) platform that provides API-driven banking infrastructure, payment processing, and account management to fintechs and corporates. It serves as a comparable for Interbanking's InterAPIs and bank-aggregation model, though in a different geography.
• dLocal: dLocal is a Latin American-focused payments processor enabling cross-border and local payment processing. While it operates regionally and focuses on merchant payments rather than corporate treasury, it shares the infrastructure-layer fintech positioning and Argentine/LATAM market origin with Interbanking.
• Geopagos: Geopagos is an Argentine-founded payment technology provider specializing in point-of-sale and merchant payment solutions across Latin America. It shares the Argentine fintech-infrastructure DNA with Interbanking but focuses on POS rather than corporate treasury.

Broad incumbents

• Mercado Pago: Mercado Pago is the dominant digital payments platform across Latin America, founded in Argentina. While primarily consumer and SMB-facing, it increasingly targets enterprise treasury, QR payments, and point-of-sale solutions, overlapping with Interbanking's B2B payment and collection offerings in the same geography.
• Kyriba: Kyriba is a global cloud-based treasury management platform serving enterprise CFOs and treasurers with cash visibility, payments, and bank connectivity. It competes with Interbanking's Tesorería Digital offering in the corporate treasury space, with deeper multinational reach but less local bank integration.

Direct peers

• Modo: Modo is an Argentine multi-bank payment platform created by a consortium of local banks. It competes directly with Interbanking in enabling B2B and P2P payments across multiple banks from a single interface, targeting similar enterprise and consumer use cases in Argentina.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/interbanking
• YouTubeyoutube.com/@interbankingsa
• Facebookfacebook.com/interbankingsa
• LinkedInlinkedin.com/company/interbanking/?originalSubdomain=ar
• Instagraminstagram.com/interbanking/?hl=en

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

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 Interbanking