Click Bank

What Click Bank does

Click Bank, legally registered as CLICKBANK INSTITUIÇÃO DE PAGAMENTOS LTDA, is a privately held Brazilian payment institution (Instituição de Pagamentos) operating a 100% digital banking platform headquartered in São Paulo. The company targets two narrowly defined consumer segments — INSS retirees and pensioners, and Brazilian public-sector employees — through a single flagship product, the Cartão Benefício (Benefit Card), which offers up to 70% credit-limit withdrawals, bundled life insurance, funeral assistance, and payroll-discounted interest rates.

The underlying technology is a mobile-first digital banking platform delivered through Android and iOS applications that handle card registration, unlocking, balance checking, invoice management, limit adjustment, and biometric authentication. The company maintains no physical branches; all customer service runs through WhatsApp, email, and phone, supplemented by a financial-education blog that functions as a top-of-funnel content channel. Two São Paulo offices (Vila Gomes Cardim and Alphaville) support operations, and the company has formalized LGPD compliance via a 2025 partnership with SOMAXI GROUP.

The business model centers on transaction fees from the Cartão Benefício credit services and recurring revenue from bundled insurance products, with no publicly disclosed pricing. Marketing relies on organic social channels (Instagram, Facebook, LinkedIn), content marketing, and WhatsApp-driven customer engagement. No institutional investors, funding rounds, executive team, or revenue figures are disclosed in available sources, and the company operates exclusively in Brazil.

Name

Click Bank

Legal name

CLICKBANK INSTITUIÇÃO DE PAGAMENTOS LTDA

Website

https://bankclick.com.br

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Click Bank is a Brazilian digital payment institution offering the Cartão Benefício — a specialized credit card with bundled insurance for INSS retirees, pensioners, and public-sector employees — distributed via mobile apps and WhatsApp support.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Credit Card Issuing (52221)

SIC

Personal Credit Institutions (6141)

akta.pro industry

PRIMARYBPAMAFAC

Digital Wallet Platforms (Consumer & Merchant)

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

Keywords

• Digital banking
• Benefit cards
• Payment institution
• Digital accounts
• Retiree credit services

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Cartão Benefício Credit Services: Credit card services targeting retirees, pensioners, and public servants with up to 70% credit limit withdrawal and bundled insurance products
2. Insurance Products: Bundled life insurance and funeral assistance included with the benefit card

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Click Bank is a 100% digital Brazilian payment institution (CLICKBANK INSTITUIÇÃO DE PAGAMENTOS LTDA) offering a digital account and the Cartão Benefício, a specialized credit and benefit card for retirees, INSS pensioners, and Brazilian public servants. Services are delivered exclusively through Android and iOS mobile applications, providing card registration, limit adjustment, invoice management, credit withdrawals of up to 70% of the credit limit, bundled life insurance, and funeral assistance, with human customer support via WhatsApp, phone, and email.

Product overview

Click Bank is a 100% digital payment institution offering a unified digital banking platform focused on the Brazilian market. The core product portfolio centers on the Cartão Benefício (Benefit Card), a specialized card for public servants, retirees, and INSS pensionists with features including credit withdrawals, life insurance, and funeral assistance. The mobile application (Android/iOS) serves as the primary customer interface for card management, transactions, and account services. The company also operates a financial education blog covering investments, personal finance, and credit products. The offering is a single unified digital banking platform rather than a modular platform-plus-add-ons architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Cartão Benefício (Benefit Card) A specialized credit and benefit card targeting Brazilian public servants, retirees, and INSS pensioners, offering withdrawals of up to 70% of the credit limit, bundled life insurance, funeral assistance, and payroll-linked discounts.
• Click Bank Mobile Application A mobile banking application available for Android and iOS that enables card registration, unlocking, balance checking, invoice management, limit adjustment, and biometric authentication for individual customers.
• Digital Account Services A fully digital banking platform offering 100% online account management, bill payments, money transfers, and financial services without physical branch requirements, accessed by Brazilian consumers via mobile app.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• SOMAXI GROUPcoreStrategic or Co-development Partner · 10 October 2025Partnership established for implementation of LGPD (Brazilian General Data Protection Law) compliance practices. SOMAXI GROUP serves as a specialized advisor for privacy, information security, and risk management best practices. They have designated DPOs (Data Protection Officers) Simone Leme Bevandick and Rubia Alencastro to lead the implementation of privacy and data protection practices at Click Bank.

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Banco Inter: Brazilian digital bank providing checking accounts, credit cards, payroll, and consumer credit with overlap into Click Bank's retiree and public servant segments but at much broader scope.
• Banco Original: Brazilian digital-first bank with credit cards and agribusiness/payroll offerings; competes in the broader Brazilian digital credit card market alongside Click Bank.
• Nubank: Brazil's largest digital bank offering credit cards, personal loans, and digital accounts; overlapping customer base with Click Bank but serving a much broader market with vastly greater scale and capital.
• Banco BV: Brazilian bank with a strong portfolio in consigned credit and payroll-deducted cards; relevant peer given overlap with Click Bank's INSS and public servant customer focus.
• C6 Bank: Brazilian digital bank offering credit cards, accounts, and consumer credit including payroll-linked products, competing for the same digital-first consumer credit customer as Click Bank.
• Banco do Brasil: State-owned Brazilian bank that is the dominant payroll processor for public servants and largest INSS benefit payer — the incumbent whose customers Click Bank targets with benefit cards.

Direct peers

• BMG: Brazilian bank specialized in payroll-deducted (consignado) credit and benefit cards for retirees and public servants, with comparable target customer and credit mechanics to Click Bank.
• Banco Pan: Brazilian commercial bank with deep focus on consigned credit cards, payroll loans, and INSS pensioner/CLT segments — directly comparable product set to Click Bank's benefit card business.
• Will Bank: Brazilian digital bank focused on payroll-deducted credit and benefit cards for INSS retirees and public servants — the same core niche as Click Bank's Cartão Benefício, making it the closest direct competitor.

Emerging players

• RecargaPay: Brazilian digital wallet and payments platform with a mobile-first prepaid card and consumer payments focus — comparable digital distribution but different primary customer (broader consumer base).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/clickbankbancodigital
• LinkedInlinkedin.com/company/click-bank
• Instagraminstagram.com/clickbankonline

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Click Bank