BPR Bank
BPR Bank S.A. is a private international license bank in Panama City offering personal and corporate banking—deposits, loans, mortgages, wire transfers, and a VISA Infinite credit card—to clients across Latin America, Central America, and the Caribbean.
- Company typePrivate
- Founded-
- HeadquartersPanama City, Panama
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What BPR Bank does
BPR Bank S.A. is a private International License Bank established under the laws of the Republic of Panama, headquartered at Costa Del Este Financial Park in Panama City. Operating within Panama's International Banking Center, the bank serves both individual and corporate clients across Latin America, with an emphasis on Central America and the Caribbean. Its commercial model is explicitly relationship-based: each client is assigned a specialized business executive with extensive banking experience in target markets, delivering personalized service delivery rather than a high-volume retail proposition. The bank is led by Chairman José L. Vicini P. and CEO Nicolás A. Vera S., with a Board comprising seven directors including two independent members.
The product portfolio spans traditional retail and corporate banking: checking and savings accounts, fixed term deposits, personal and corporate loans, mortgage loans (Loan with Mortgage Guarantee), international wire transfers, a no-cost Payment of Payroll service for corporate accounts, an Estate Planning / sucesión (Planificación Sucesoral) service for wealth structuring, and the flagship VISA BPR Bank Infinite credit card. The technology layer centers on an Online Banking platform (ebanking.bprbank.com, internal system DIBS_BPR_BANK_R72) accessible 24/7, secured by Secure Electronic Link Card authentication and token-based 2FA via mobile devices. International wire transfer infrastructure is anchored on the SWIFT network; compliance screening uses WorldCheck (Thomson Reuters) and market data is sourced from Bloomberg. The bank maintains compliance with GDPR, Panama's Ley 81, FATCA, and FATF/GAFI recommendations.
BPR Bank generates revenue through five identifiable streams: net interest income from loans and deposit spreads, wire transfer fees, account and inactivity fees, and credit card services anchored on the premium VISA Infinite product. Pricing is governed by a published tariff schedule (Tarifario_BPR_BANK_Octubre_2025.pdf), with Online Banking offered free of charge upon contract execution. The bank is privately held under management control with no disclosed parent, external investors, or funding rounds. Headcount of 11–50 employees indicates a boutique operating model focused on relationship banking rather than scale.
BPR Bank firmographics
Firmographics- Name
- BPR Bank
- Legal name
- BPR Bank S.A.
- Website
- https://bprbank.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BPR Bank S.A. is a private international license bank in Panama City offering personal and corporate banking—deposits, loans, mortgages, wire transfers, and a VISA Infinite credit card—to clients across Latin America, Central America, and the Caribbean.
- Ownership category
- akta.pro rank
BPR Bank industry classification
Industry- Product category
- International Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD) (FSABALAA)
Keywords
Where BPR Bank is headquartered
LocationHeadquarters
- HQ city
- Panama City
- HQ country
- Panama
- HQ region
- Latin America
Offices1 record
Markets served
BPR Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Loans: Revenue generated from interest charged on personal loans, corporate financing products, and mortgage loans at competitive rates with customized payment schedules.
- Deposit Spreads: Income generated from the spread between interest paid on deposits (savings accounts, fixed term deposits) and interest earned on lending activities.
- Wire Transfer Fees: Fees charged for international wire transfer services between accounts, to other accounts within the bank, and international transfers.
- Account and Banking Fees: Fees applied to inactive accounts after 12 consecutive months of no deposits or withdrawals. Also includes overdraft fees and charges for Lines of Credit.
- Credit Card Services: Revenue from VISA BPR Bank Infinite credit card, including purchase protection, extended warranty services, and international emergency medical services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Standard banking services with fees governed by published tariff schedule |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels3 records
BPR Bank product offering
Product offeringCore offering
BPR Bank is an international license bank chartered in the Republic of Panama that provides traditional banking products including checking and savings accounts, fixed term deposits, personal and corporate loans, mortgage loans, international wire transfers, VISA BPR Bank Infinite credit cards, payroll processing for corporate clients, and estate planning services. It serves both individual consumers and corporate clients across Latin America, the Caribbean, and Central America with a relationship-driven model that assigns a specialized executive to each client.
Product overview
BPR Bank is an International License Bank headquartered in Panama City, Panama, offering a unified suite of traditional banking products and services to individual and corporate clients across Latin America, with emphasis on Central America and the Caribbean. The portfolio consists of a core set of banking services: a VISA BPR Bank Infinite credit card (the most exclusive Visa product), a Payroll Processing service, an Estate Planning/succession service, Checking and Savings deposit accounts, Fixed Term Deposits, Loans (personal and corporate), Mortgage Loans with property guarantee, and Wire Transfers facilitated through the SWIFT network. Online Banking serves as the primary digital channel for all account management, transactions, and inquiries, accessible via a web-based platform with token-based authentication.
Differentiator
Problem solved
Functional benefit
Products and services
- VISA BPR Bank Infinite Exclusive premium credit card offered by BPR Bank providing exclusive travel, protection, and concierge benefits to cardholders.
- Payment of Payroll Corporate payroll processing service offered to business clients with no transfer cost, designed to handle salary disbursement through BPR Bank accounts.
- Estate Planning Estate planning service offered by BPR Bank to assist clients with wealth transfer and succession planning without requiring complex paperwork.
- Checking Accounts Standard checking account products offered to individual and corporate clients for everyday transactional banking.
- Savings Accounts Savings account products offered to clients for accumulating deposits with interest.
- Fixed Term Deposits Time deposit products offered at competitive interest rates for clients seeking fixed-income placements over specified terms.
- Loans Lending products covering personal and corporate financing needs, underwritten by BPR Bank's credit function.
- Mortgage Loans Mortgage lending products offered by BPR Bank to finance residential property purchases.
- Wire Transfers International wire transfer service executed within 24 hours via SWIFT correspondent banking network.
- Online Banking Digital banking platform providing clients with free 24/7 access to banking services, secured by token-based two-factor authentication and secure electronic link card.
Quantifiable outcome
- International wire transfers executed within 24 hours of receiving instructions
Companies that use BPR Bank
Customer profileSegments2 records
Ideal customer profiles2 records
BPR Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
BPR Bank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- SWIFTcoreSWIFT network partnership for international financial messaging enabling secure wire transfers globally. Critical infrastructure for international banking operations.
- BloombergcoreFinancial data and market information services provider for banking operations and market intelligence.
- WorldCheckcoreRisk and compliance screening provider used for anti-money laundering (AML) and know-your-customer (KYC) verification processes.
- VisacorePartnership for VISA BPR Bank Infinite credit card, the most exclusive VISA product offering price protection, purchase protection, extended warranty, luggage protection, car rental insurance, and international emergency medical services.
- AsdeideasminorWeb design and digital marketing partner responsible for website development and maintenance (bprbank.com).
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
BPR Bank competitors and assessment
Company assessmentBroad incumbents
- Banco General S.A. Banco General is the largest bank in Panama, offering universal retail, corporate, and wealth management services. It overlaps with BPR's corporate and personal banking lines but at far greater scale and with a much broader product and channel portfolio.
- Banco Latinoamericano de Comercio Exterior (Bladex): Bladex is a Panama-based supranational trade finance bank serving Latin American banks and corporates. While more focused on correspondent/trade finance than BPR, it competes in the same Panama IBC ecosystem and shares infrastructure and client overlap in cross-border corporate banking.
Direct peers
- Global Bank Corporation: Global Bank is a Panama-based commercial bank offering corporate, retail, and international banking services. It is a direct competitor to BPR in the corporate and personal banking market in Panama and shares the focus on cross-border and trade-related activity.
- MMG Bank Corporation: MMG Bank is a Panama-based international bank providing private and corporate banking to Latin American clients. It is closely comparable to BPR in license type, product mix (deposits, loans, FX), and target market of cross-border Latin American clients.
- Towerbank International, Inc. Towerbank is a Panama-headquartered International License Bank offering private banking, corporate banking, and wealth management services to international clients — a near-exact structural parallel to BPR Bank. Both operate under the same Panamanian IBC framework and target similar Latin American and cross-border client segments.
- Multibank Inc. Multibank is a Panamanian bank group with retail, corporate, and international banking operations, including a strong focus on correspondent and trade finance. It competes with BPR in the corporate and Panamanian international banking segments.
- St. Georges Bank & Company Inc. St. Georges Bank is a small, Bahamas-headquartered international private bank focused on wealth management and corporate services for international clients. It is comparable to BPR in scale, regulatory category (international license bank), and niche focus on private banking for cross-border clients.
- Banistmo S.A. Banistmo, subsidiary of Grupo Bancolombia, is a Panama-based universal bank offering corporate, institutional, and personal banking. It directly competes with BPR in cross-border corporate banking and Latin American wealth flows that pass through Panama.
- Banco de Crédito Internacional (BCI): BCI is a Panama-based International License Bank offering corporate banking, treasury, and trade finance services. It competes directly with BPR in the Panamanian IBC segment and serves a similar Latin American/cross-border corporate client base.
Regional players
- BAC International Bank (BAC Credomatic): BAC is a Central American banking group with presence across Panama, Costa Rica, Honduras, Nicaragua, Guatemala, El Salvador, and beyond. While broader than BPR, it competes for the same cross-border Latin American retail, SME, and corporate banking flows that BPR targets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
BPR Bank social profiles
Digital presenceBPR Bank compliance and trust
Trust signalCompliance4 records
BPR Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
BPR Bank leadership team
Management profileNumber of profiles
Profiles15 records
BPR Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BPR 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 BPR Bank
What does BPR Bank do?
BPR Bank is an international license bank chartered in the Republic of Panama that provides traditional banking products including checking and savings accounts, fixed term deposits, personal and corporate loans, mortgage loans, international wire transfers, VISA BPR Bank Infinite credit cards, payroll processing for corporate clients, and estate planning services. It serves both individual consumers and corporate clients across Latin America, the Caribbean, and Central America with a relationship-driven model that assigns a specialized executive to each client.
Is BPR Bank a public or private company?
BPR Bank is a private company. It is classified as management employee owned and is currently operating.
When was BPR Bank founded?
BPR Bank was founded in -1. It employs 11 to 50 people.
Where is BPR Bank based?
BPR Bank is headquartered in Panama City, Panama, in the Latin America region.
How does BPR Bank make money?
Five revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Spreads, wire Transfer Fees, account and Banking Fees and credit Card Services.
Who are BPR Bank's main competitors?
Broad incumbents on record are Banco General S.A. and Banco Latinoamericano de Comercio Exterior (Bladex). Direct peers are Global Bank Corporation, MMG Bank Corporation, Towerbank International, Inc., Multibank Inc., St. Georges Bank & Company Inc., Banistmo S.A. and Banco de Crédito Internacional (BCI). BAC International Bank (BAC Credomatic) is listed as a regional player.
Does BPR Bank have an API?
No public API is recorded for BPR Bank.
What industry is BPR Bank in?
BPR Bank's product category is International Banking. Its primary akta.pro industry code is FSABALAA, Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD). Its NAICS code is 5221 and its SIC code is 6021.