BI BANK
BiBank S.A. is an Argentine BCRA-authorized digital bank serving businesses and individuals with peso/USD accounts, financing, investment services, payments infrastructure, and API Banking rails. Digital-first model with aggressive promotional pricing for SME and corporate acquisition.
- Company typePrivate
- Founded1971
- HeadquartersBuenos Aires, Argentina
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What BI BANK does
BiBank S.A. (formerly Banco Interfinanzas S.A.) is an Argentine private digital bank, authorized by the Banco Central de la República Argentina (BCRA) and registered with the Comisión Nacional de Valores (CNV). Operating exclusively in Argentina from its headquarters at Bouchard 547, piso 24, Buenos Aires, the entity traces its incorporation to 1971 but has repositioned as a digital-first bank serving both businesses and individuals. It provides current accounts in Argentine pesos and US dollars, payments infrastructure (DEBIN, MEP transfers, ARCA tax payments, bill payments, recaudaciones), cash management tools, and trade-related services, with a stated primary focus on corporate and SME clients.
Its product surface spans financing (credit lines, overdrafts, Echeq discounting, aval guarantees), investments (term deposits, mutual funds, securities), foreign trade operations, and an API Banking layer aimed at integrating partners into its rails. Technical capabilities include token-based authentication, Echeq issuance and management, Factura de Crédito Electrónica (FCE) integration with the open circulation system (SCA), and integrations with card networks (Visa, Mastercard, Amex) and acquirers (Payway, Prisma) that surface POS terminals to merchant clients.
The revenue model is fee-based: account maintenance fees, transaction fees on transfers and payments, interest and fees on credit/financing products, commissions on investment products and custodial services, and guarantee fees on aval/Echeq discounting. Go-to-market centers on digital onboarding and self-service channels, with aggressive promotional pricing — twelve months of waived account maintenance, custodial fee waivers, and an ARS 50,000 welcome bonus for legal entities — to accelerate customer acquisition in the SME and corporate segment.
BI BANK firmographics
Firmographics- Name
- BI BANK
- Legal name
- BiBank S.A.
- Website
- https://bibank.com.ar
- Company type
- Private
- Founded year
- 1971
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- BiBank S.A. is an Argentine BCRA-authorized digital bank serving businesses and individuals with peso/USD accounts, financing, investment services, payments infrastructure, and API Banking rails. Digital-first model with aggressive promotional pricing for SME and corporate acquisition.
- Ownership category
- akta.pro rank
BI BANK industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
- akta.pro secondary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
Keywords
Where BI BANK is headquartered
LocationHeadquarters
- HQ city
- Buenos Aires
- HQ country
- Argentina
- HQ region
- Latin America
Offices1 record
Markets served
BI BANK business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Account Maintenance Fees: Monthly account maintenance fees for current accounts in pesos and USD, with promotional periods of 12 months bonificado for new clients registering in Online Banking.
- Transaction and Payment Services: Fees for transfers, payment services, Echeq custody and processing, DEBIN operations, and other banking transactions.
- Credit and Financing: Interest income from credit lines, overdraft agreements (Acuerdo en Cuenta Corriente), Echeq discounting, and aval services.
- Investment Services: Commissions from mutual fund subscriptions/redemptions, securities trading (compraventa de valores), and term deposits.
- Aval and Guarantee Services: Fees for bank guarantees supporting payment instruments like deferred checks, electronic checks, negotiable obligations, and electronic promissory notes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Account maintenance fees with promotional periods |
| Subscription | Pay-as-you-go | Welcome promotion for legal entities |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
BI BANK product offering
Product offeringCore offering
BiBank is a BCRA-authorized Argentine digital bank that delivers business and personal banking services through an Online Banking platform available via web and mobile app. Its core offerings include digital current accounts in pesos and USD, business financing (credit lines, overdraft agreements, Echeq discounting, aval services), investment products (mutual funds, securities, term deposits), foreign trade, cash management, and an API banking layer for enterprise system integrations. The company serves small, medium, and large Argentine businesses as its primary segment and individuals as a secondary segment, operating under a fully digital delivery model with dedicated commercial executive support for complex enterprise needs.
Product overview
BiBank is a digital bank in Argentina serving both businesses (Empresas) and individuals (Personas), offering a comprehensive digital banking platform. The core offering is the Online Banking platform providing account management, followed by specialized modules including: Cuentas Digitales (digital checking accounts in pesos and dollars), Financiación (financing including credit facilities, Echeq discounting, overdraft agreements, and aval services), Inversiones (investment services including fixed deposits, mutual funds, and securities), Comercio Exterior (foreign trade), Cash Management (collections and payments), and API Banking Services. Additional capabilities include Echeq management, Recaudaciones, Pagos de Servicios, Transferencias MEP, DEBIN, Facturas de Crédito Electrónicas, Pagos ARCA, and Banco Pagador/Terminales POS services. The platform operates as a BCRA-authorized financial entity (Banco Interfinanzas S.A.) regulated under Argentine banking law.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Banking Platform Digital banking platform providing account management, transfers, payments, investments, and business operations via web and mobile application for businesses and individuals.
- Cuentas Digitales (Digital Accounts) Digital current and special accounts in Argentine pesos and US dollars for businesses to manage their financial operations online, with promotional 12-month maintenance fee waiver for new Online Banking clients.
- Financiación (Business Financing) Credit lines, overdraft agreements (Acuerdo en Cuenta Corriente), Echeq discounting, and aval/bank guarantee services for Argentine businesses seeking working capital and trade financing.
- Inversiones (Investment Services) Fixed-term deposits (Plazo Fijo), mutual funds (Fondos Comunes de Inversión), securities trading (Compraventa de Valores), and Cuenta Comitente (investment account) management for businesses and individuals.
- Comercio Exterior (Foreign Trade) Foreign trade services enabling Argentine businesses to connect internationally with agile and simple processes for import and export operations.
- Cash Management Cash management services for Argentine businesses covering collections and payments, including bulk payment processing, wage payments, and treasury operations.
- API Banking Services Programmatic access to BiBank banking services enabling enterprise clients to integrate account operations, payments, and other banking functions into their own systems.
- Echeq (Electronic Check) Digital check system allowing businesses to issue, receive, endorse, transfer, custody, discount, and request aval/bank guarantees on electronic checks through Online Banking.
- Recaudaciones (Collections) Collection services enabling businesses to publish and manage customer debts through a single portal, accepting payments via multiple payment methods.
- Pagos de Servicios (Bill Payments) Bill payment functionality allowing businesses to pay utilities, taxes, phone, prepaid medicine, cable TV, and other recurring obligations 24/7 through Online Banking.
- Transferencias MEP High-value peso transfers between financial institutions through BCRA's Medio Electrónico de Pagos (MEP) system, available on business days from 10:00 to 18:00.
- DEBIN (Direct Debit Authorization) Instant debit authorization system allowing businesses to request and receive authorized payments directly from customer accounts in pesos or US dollars.
- Facturas de Crédito Electrónicas (FCE) Financing Electronic credit invoice management integrated with AFIP/ARCA through the Sistema de Circulación Abierta (SCA), enabling Argentine SMEs to finance receivables through early payment collection.
- Pagos ARCA (Tax Payments) Government tax and contribution payment services through ARCA (formerly AFIP), including VEP (Volante Electrónico de Pago) scheduling and billable service management.
- Banco Pagador / Terminales POS Payment terminal management services integrated with Payway for merchant POS activation, account configuration, and processing of Visa, Mastercard, and American Express card transactions.
Companies that use BI BANK
Customer profileSegments2 records
Ideal customer profiles2 records
BI BANK technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
BI BANK partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and supporting.
- PaywaycorePayment terminal management provider. BiBank clients can manage terminal registration, account linking, and support through Payway's Mi Payway portal (mi.payway.com.ar). Terminal delivery within 72 business hours with installation coordination.
- Prisma (Prisma Medios de Pago)corePayment network operator managing card transaction processing. Commerce numbers and establishment numbers are assigned through Prisma for credit and debit card transactions.
- ARCA (Administracion Federal de Ingresos Publicos)coreArgentine tax authority (formerly AFIP). BiBank integrates with ARCA for VEP (Volante Electronico de Pago) generation, FCE (Factura de Credito Electronica) processing through the Sistema de Circulacion Abierta (SCA), and tax payment services.
- CNV (Comision Nacional de Valores)coreArgentine securities regulator. BiBank operates as ALyC Propio N 203 and ACyDI de FCI N 35, enabling securities trading, mutual fund operations, and investment services under CNV oversight.
- BCRA (Banco Central de la Republica Argentina)coreCentral Bank of Argentina, the regulatory authority for the Argentine financial system. BiBank operates as an authorized financial entity under BCRA regulation, with deposits guaranteed under Law 24.485 up to $50,000,000 per depositor.
- CIMPRAsupportingRegulatory body establishing rules for Echeq endorsements. Echeq endorsement limits are established by Boletin CIMPRA 519.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
BI BANK competitors and assessment
Company assessmentDirect peers
- Banco Supervielle: Argentine commercial bank with a strong focus on SMEs and retail, undergoing digital transformation with a digital-first platform comparable to BiBank's positioning. Direct competitor for SME business banking customers in Argentina.
- Banco Comafi: Argentine commercial bank specialized in corporate, SME, and institutional banking with a digital channel strategy. Most directly comparable to BiBank in target segment and product mix.
- Banco Patagonia: Argentina-focused commercial bank serving SMEs and individuals with growing digital capabilities. Comparable in single-country scope and SME-focused business model.
Emerging players
- Ualá: Leading Argentine digital fintech offering accounts, payments, and credit products. Competes for digital-first SME and individual customers overlapping with BiBank's digital banking proposition.
- Mercado Pago: Argentine fintech arm of Mercado Libre offering payments, accounts, lending, and merchant acquiring at massive scale. Increasingly competes with BiBank for SME merchant banking and digital financing.
Broad incumbents
- HSBC Argentina: Global bank's Argentine subsidiary offering commercial banking, foreign trade, and treasury services — overlapping with BiBank's Comercio Exterior and cash management offerings for enterprise clients.
- BBVA Argentina: Subsidiary of global BBVA, offering commercial and retail banking in Argentina with strong digital channels. Broad incumbent competing for the same SME and corporate clients.
- ICBC Argentina: Subsidiary of China's ICBC offering full commercial banking in Argentina with strong corporate and foreign-trade focus, overlapping with BiBank's enterprise services.
- Banco Macro: One of Argentina's largest commercial banks with extensive SME and retail footprint. Comparable business banking products but with a much larger branch and deposit base.
- Banco Galicia: Largest private Argentine bank offering the full stack of commercial, retail, and investment banking with a major digital channel (MODO). Provides a broader product portfolio that overlaps BiBank's offerings.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
BI BANK social profiles
Digital presenceBI BANK compliance and trust
Trust signalCompliance4 records
BI BANK financial estimates
Financial estimateRevenue estimate
Valuation estimate
BI BANK leadership team
Management profileNumber of profiles
Profiles2 records
BI BANK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BI BANK M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BI BANK
What does BI BANK do?
BiBank is a BCRA-authorized Argentine digital bank that delivers business and personal banking services through an Online Banking platform available via web and mobile app. Its core offerings include digital current accounts in pesos and USD, business financing (credit lines, overdraft agreements, Echeq discounting, aval services), investment products (mutual funds, securities, term deposits), foreign trade, cash management, and an API banking layer for enterprise system integrations. The company serves small, medium, and large Argentine businesses as its primary segment and individuals as a secondary segment, operating under a fully digital delivery model with dedicated commercial executive support for complex enterprise needs.
Is BI BANK a public or private company?
BI BANK is a private company. It is classified as unknown and is currently operating.
When was BI BANK founded?
BI BANK was founded in 1971. It employs 51 to 100 people.
Where is BI BANK based?
BI BANK is headquartered in Buenos Aires, Argentina, in the Latin America region.
How does BI BANK make money?
Five revenue lines are on record. Account Maintenance Fees are the primary driver. The others are transaction and Payment Services, credit and Financing, investment Services and aval and Guarantee Services.
Who are BI BANK's main competitors?
Direct peers on record are Banco Supervielle, Banco Comafi and Banco Patagonia. Emerging players are Ualá and Mercado Pago. Broad incumbents are HSBC Argentina, BBVA Argentina, ICBC Argentina, Banco Macro and Banco Galicia.
Does BI BANK have an API?
Yes. BiBank offers API Banking Services for businesses to connect and access personalized digital banking services. The API enables programmatic access to banking operations and services for enterprise customers. Developer documentation is at bibank.com.ar/api-bancaria-empresas.
What industry is BI BANK in?
BI BANK's product category is Commercial Banking. Its primary akta.pro industry code is FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts), with a secondary code of FSAGALAA, BaaS Platforms & Sponsor Bank Enablement. Its NAICS code is 52211 and its SIC code is 6021.