Cinestar

What Cinestar does

Cinestar operates as a digital banking platform at cinestar.mx under the Chartered Bank brand, offering a consolidated suite of retail and private banking products through an online portal and supporting channels. The platform's product set spans savings accounts, current accounts, salary accounts, fixed deposits, recurring deposits, a Deposit Pension Scheme (DPS), a Fixed Deposit Receipt (FDR) product, transaction banking, fund transfers, loan services, and bill payment. Distribution is positioned as multi-channel, covering online banking, mobile, ATM, and branch access points. The entity traces its operating history to 1998 and presents UK contact details (London address), while firmographic metadata places it in Venustiano Carranza, Mexico — a conflict that suggests the firmographic record may be erroneous or placeholder data; this analysis treats the operational/banking evidence as the first-party source of truth per standard source-precedence rules.

The business model combines deposit-taking (the core revenue lever via net interest margin on deposits deployed against the loan book and FDR book), transaction-based revenue from fund transfers and bill payments, and fee income from loan services and the Deposit Pension Scheme. Customer acquisition is supported by a referral program, indicating a low-cost, word-of-mouth growth motion rather than paid acquisition. Target segments span individual retail customers, entrepreneurs, private clients, and institutional clients, although no named logos or segment revenue mix is disclosed.

There is no evidence of meaningful AI/ML capability, proprietary models, or data flywheel mechanics; the platform is presented as a conventional online banking interface. Self-funded status and a stated capital ratio double the regulatory minimum with no external debt are claimed, but no audited financials, customer counts, transaction volumes, or revenue figures are provided. The £349 billion AUM figure stated for 31 December 2025 is not corroborated by any other operational metric and should be treated as unverified.

Name

Cinestar

Legal name

Chartered Bank

Website

https://cinestar.mx

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

51–100 employees

Short description

Chartered Bank operates a digital banking platform at cinestar.mx offering deposit accounts, DPS, FDR, transactions, loans, and bill payments to individual, entrepreneurial, private, and institutional clients, distributed across online, mobile, ATM, and branch channels.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC), Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD), Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Digital banking services
• Deposit accounts
• Fixed deposit products
• Fund transfer services
• Bill payment platform

Headquarters

HQ city

Venustiano Carranza

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Deposit accounts: Interest-bearing savings, current, salary, fixed, and recurring deposit accounts generating revenue through interest rate spreads
2. DPS (Deposit Pension Scheme): Monthly installment-based savings with agreed maturity payouts
3. Fixed Deposit Receipts: Term deposits with predetermined maturity periods
4. Fund transfers: Transaction fees from money transfers between accounts and banks through various channels
5. Loan services: Lending products including personal and business loans
6. Bill payment services: Processing fees for utility and service bill payments
7. Referral commissions: Earns fees when referred customers make transactions; also pays referral bonuses to existing customers

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Chartered Bank provides a digital-first banking platform offering savings, current, salary, fixed, and recurring deposit accounts, installment-based DPS savings, FDR fixed deposit receipts, fund transfers, loan services, bill payments, and transaction banking services. Customers access these services via the online portal at cinestar.mx, the digibank.tdevs.to digital banking platform, mobile banking apps, ATMs, and local branches, with account onboarding completed through online registration.

Product overview

Chartered Bank offers a unified digital banking platform providing deposit accounts (savings, current, salary, fixed, and recurring), investment products (DPS and FDR), transaction banking, fund transfer, loan services, and bill payment. The platform also includes a referral program and withdrawal services. The core offering centers on the Digital Banking Platform which powers online and mobile banking via the web application at cinestar.mx and digibank.tdevs.to.

Differentiator

Problem solved

Functional benefit

Products and services

• Deposit Accounts Savings, current, salary, fixed, and recurring deposit accounts offering flexibility, different interest rates, features, and benefits for individual customers seeking financial stability.
• DPS (Deposit Pension Scheme) Installment-based savings deposit on a monthly basis for individual customers, where a customer deposits a certain amount of money for a certain period and receives an agreed amount upon maturity. Monthly installments can be as low as £20.00 GBP or multiples (£40, £60, £80, etc.).
• FDR (Fixed Deposit Receipt) Type of fixed deposit offering a range of maturities where the Bank issues an FDR to the depositor instead of a passbook and repays the due principal upon the FDR's maturity. One FDR is issued per deposit transaction.
• Transaction Banking Comprehensive suite of cash management, traditional and non-traditional trade offerings, and investor services solutions delivered across various clients and sectors.
• Fund Transfer Service for moving money from one account to another within the same financial institution or between different banks via online banking, mobile banking apps, ATM transactions, wire transfers, or in-person visits to bank branches.
• Loan Services Loan products offered through the Chartered Bank solutions platform for personal and business lending needs.
• Pay Bill Bill payment service allowing customers to pay utility and other bills through the Chartered Bank platform.
• Withdrawal Services Cash withdrawal services via local Chartered Bank branches using withdrawal slips or paper cheques, plus ATMs offering convenient access beyond bank hours, with monthly limits on savings account withdrawals.

Quantifiable outcome

• £349 billion GBP in total customer assets
• +2 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Monzo: UK digital challenger bank offering current accounts, savings pots, overdrafts, and personal loans through a mobile-first platform. Comparable to Chartered Bank in product scope (deposits, transfers, bill pay, loans) and digital-first distribution model.
• Starling Bank: UK-based digital challenger bank offering current accounts, savings, loans, and business banking through a digital-first platform. Directly comparable to Chartered Bank as a UK digital neobank targeting consumers and SMBs with a deposit-and-transaction-led product suite.
• Atom Bank: UK mobile-first challenger bank offering savings accounts and residential mortgages. Comparable to Chartered Bank as a UK digital-only depository institution with deposit-led products and a self-serve mobile platform.
• Zopa Bank: UK digital bank offering fixed savings accounts, personal loans, and credit cards. Comparable to Chartered Bank on the deposit and personal-lending side, with a similar digital-first onboarding and self-serve model.
• Allica Bank: UK challenger bank serving SMEs and the entrepreneur segment with deposits, lending, and transaction banking. Highly comparable to Chartered Bank given the shared focus on entrepreneurs and the combination of deposits, loans, and transaction services.
• Tandem Bank: UK digital challenger bank offering savings accounts, fixed deposits, and residential mortgages. Comparable to Chartered Bank as a UK digital-first depository institution with a savings-led product set.
• Revolut: UK-headquartered digital bank offering multi-currency accounts, deposits, transfers, bill payments, and personal lending. Comparable to Chartered Bank as a digital-first UK bank with a broad deposit, transfer, and consumer credit product suite.

Broad incumbents

• HSBC UK: One of the largest UK retail and commercial banks, offering current accounts, savings, fixed deposits, loans, and transaction banking. Comparable to Chartered Bank as a broad incumbent against which a digital-first private bank would compete on agility and entrepreneur focus.
• Coutts: UK private bank and wealth manager serving entrepreneurs and high-net-worth individuals, with deposits, lending, and investment services. The closest direct competitor to Chartered Bank's stated private banking focus on entrepreneurs and their families.
• NatWest Group: Major UK retail and commercial banking group offering deposits, lending, and transaction banking. Comparable to Chartered Bank as a broad incumbent competitor with overlapping deposit, transfer, and loan products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cinestarsanmateo
• LinkedInlinkedin.com/company/cinestar-corporation

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 Cinestar