Barigui Financeira
Banco Bari is a Brazilian digital multiple bank, part of Grupo Barigüi, offering 100% digital home equity loans, consigned credit, construction financing, and fixed income investments to property owners, public servants, INSS retirees, and individual investors across Brazil.
- Company typePrivate
- Founded2019
- HeadquartersCuritiba, Brazil
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Barigui Financeira does
Banco Bari (formerly Barigui Financeira) is a Brazilian digital multiple bank headquartered in Curitiba, Paraná, and a wholly-owned subsidiary of Grupo Barigüi — a 30+ year-old vehicle dealership conglomerate operating 100+ dealerships across 16 cities in Southern Brazil. The bank operates under authorization from Banco Central do Brasil granted in 2018 and was officially launched in 2019. It provides a 100% digital platform combining home equity (Crédito com Garantia de Imóvel/CGI), consigned credit for public servants and INSS beneficiaries, construction and reform loans (including the LCGI line-of-credit variant), fixed income investments (CDB, LCI, LF, CRI), a digital multi-account with Pix, and the no-annual-fee Elo-based BariCard.
The core technology is a proprietary digital banking platform comprising a mobile application and web interface that pioneered Brazil's first fully digital home equity origination process, including legally valid digital contract signing. The bank monetizes primarily through interest income on secured loans (home equity from 1.09% per month + IPCA, terms up to 20 years, up to 60% of property value, up to R$10 million), consigned credit spreads, net interest margin on fixed income products, and credit card transaction fees. Distribution combines direct-to-consumer digital channels — mobile app, website, SEO/SEM, content marketing via BariBlog, and social media — with a correspondent bank network and exclusive payroll partnerships covering SIAPE (federal), the States of Paraná and Santa Catarina, the Municipalities of Curitiba and Florianópolis, INSS, the Paraná State Court (TJPR) and Audit Court (TCE-PR), and multiple state universities (UEPG, Universidade de Maringá, UNIOESTE). The FGC-backed deposit insurance relationship supports the investment product line.
Primary customer segments include property owners seeking to unlock equity for debt consolidation, construction, or business investment; federal, state, and municipal public servants; INSS retirees and pensioners; individual fixed-income investors; and employees of partner companies (conveniados). The customer base is broadly diversified across these mass-affluent retail segments, with no enterprise concentration. Performance signals include a Basel Index of 21.1% as of June 30, 2025 (double the 10.5% BACEN minimum), R$19M net profit in 1H 2025 (+78.2% YoY), an investment portfolio of R$1.92B, R$26.6M AUM (+31% YoY), cumulative home equity credit granted exceeding R$1B, and a Moody's A-.br rating with Positive Outlook.
Barigui Financeira firmographics
Firmographics- Name
- Barigui Financeira
- Legal name
- Banco Bari
- Website
- https://bariguifinanceira.com.br
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Banco Bari is a Brazilian digital multiple bank, part of Grupo Barigüi, offering 100% digital home equity loans, consigned credit, construction financing, and fixed income investments to property owners, public servants, INSS retirees, and individual investors across Brazil.
- Ownership category
- akta.pro rank
Barigui Financeira industry classification
Industry- Product category
- Retail Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211), Commercial Banking (522110)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Retail-focused Neobanks (Mass Market) (FSABAFAA)
- akta.pro secondary industries
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Credit Cards & Revolving Credit (FSABAAAC), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)
Keywords
Where Barigui Financeira is headquartered
LocationHeadquarters
- HQ city
- Curitiba
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Barigui Financeira business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Home Equity / CGI Loans: Credit with guarantee of real estate (home equity) - the company's flagship product. Customers borrow against their paid-off property with rates starting at 1.09% per month + IPCA, terms up to 20 years, and loan amounts up to 60% of property value.
- Consigned Credit (Empréstimo Consignado): Payroll-deducted loans for public servants, retirees, and INSS pensioners. Lower interest rates due to payment guarantee through salary/benefit deduction.
- Fixed Income Investments: Investment products including CDB, LCI, LF, and CRI with competitive rates. Revenue from spread between borrowing and lending rates.
- Construction and Reform Loans: Loans for construction and renovation projects using property as collateral, with up to 6 months grace period and IOF exemption.
- BariCard Credit Card: Credit card (Elo) with no annual fees, accepted nationwide, with discounts at partner establishments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Home Equity / CGI - Starting rate 1.09% per month + IPCA |
| Usage-based | Monthly | Construction and Reform Loan - Starting rate 1.25% per month + IPCA |
| Other | Pay-as-you-go | CDB Investment - Up to 120% of CDI |
| Other | Monthly | Consigned Credit - Low interest rates with payroll deduction |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Barigui Financeira product offering
Product offeringCore offering
Banco Bari is a digital multiple bank that provides home equity-secured loans (crédito com garantia de imóvel / CGI), consigned payroll-deductible credit for public servants and INSS beneficiaries, fixed income investment products (CDB, LCI, LF, CRI), and a digital multiconta account with integrated PIX payments. Its flagship offering is Brazil's first fully digital home equity line, allowing customers to unlock up to 60% of their property value at rates starting at 1.09% per month + IPCA with terms up to 20 years and up to 6 months grace period.
Product overview
Banco Bari é um banco digital múltiplo com sede em Curitiba (PR), nascido do Grupo Barigüi com mais de 30 anos de história. Oferece uma plataforma unificada de produtos financeiros centrada no crédito com garantia de imóvel (Home Equity/CGI), seu carro-chefe, complementada por investimentos em renda fixa (CDB, LCI, LF, CRI), empréstimo consignado com cartão associado, conta digital com Pix, e linhas de crédito para construção e reforma. A arquitetura combina plataforma digital 100% online com atendimento humanizado, oferecendo desde soluções de empréstimo e financiamento até investimentos e contas digitais.
Differentiator
Problem solved
Functional benefit
Brands
- Bariblog: Educational financial content blog platform providing articles on personal finance, debt management, and investment guidance
- Baricard
- Multiconta Bari
- Conta Objetivo
- Conta Controle
Products and services
- Home Equity / Empréstimo com Garantia de Imóvel (CGI) Home equity-secured loan allowing customers to release up to 60% of their paid-off property value at rates starting from 1.09% per month + IPCA, with terms up to 20 years and up to 6 months of grace period. The process is 100% digital from simulation through credit disbursement, with digital signature and humanized support. Designed for property owners seeking large credit amounts at lower interest rates than personal credit or overdraft for purposes such as debt consolidation, business investment, education, or property renovation.
- Empréstimo Consignado
Companies that use Barigui Financeira
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
Barigui Financeira technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Barigui Financeira partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- Banco Central do Brasil (BACEN)coreCentral Bank of Brazil - regulatory authority that authorized Banco Bari as multiple digital bank and granted PIX operating authorization. Banco Bari was one of 10 institutions in first PIX homologation.
- INSS (Instituto Nacional do Seguro Social)corePartnership for consignado credit products targeting INSS beneficiaries including retirees and pensioners. Enables payroll deduction for loan repayments.
- State of Paraná GovernmentcoreGovernment payroll agreement for state employees including teachers, healthcare workers, and civil servants to access consignado loans.
- State of Santa Catarina GovernmentcoreGovernment payroll agreement for Santa Catarina state employees to access consignado credit products.
- Prefeitura de Curitiba (Curitiba City Government)coreMunicipal payroll agreement for city employees to access consignado loans with preferential rates.
- Prefeitura de Florianópolis (Florianópolis City Government)coreMunicipal payroll partnership for Florianópolis city employees for consignado credit access.
- Tribunal de Justiça do Estado do Paraná (Paraná State Court)minorPayroll agreement for court employees and judicial workers in Paraná state.
- Tribunal de Contas do Estado do Paraná (Paraná State Audit Court)minorPayroll agreement for Tribunal de Contas employees in Paraná.
- Universidade Estadual de Ponta Grossa (UEPG)minorUniversity payroll partnership for faculty and staff at State University of Ponta Grossa.
- Universidade de MaringáminorUniversity payroll partnership for State University of Maringá employees.
- Universidade Oeste do Paraná (UNIOESTE)minorUniversity payroll partnership for Western Paraná State University employees.
- SIAPE Federal (Federal Public Service)coreFederal government payroll system (Sistema Integrado de Administração de Pessoal) enabling consignado loans for federal employees.
- Fundo Garantidor de Crédito (FGC)coreGovernment-backed deposit insurance fund protecting investments up to R$250,000 per CPF per institution, providing security for Banco Bari's fixed income products.
Scale indicators8 records
Recent moves11 records
Expansion highlights5 records
Barigui Financeira competitors and assessment
Company assessmentDirect peers
- Crefisa: Brazilian consumer credit lender specializing in personal loans, payroll-deductible credit, and high-touch retail credit. Comparable niche Brazilian consumer credit specialist competing for similar segments.
- Neon Pagamentos: Brazilian digital bank offering free account, PIX, credit, and investments to mass-market consumers. Comparable digital-first retail banking competitor with overlapping mass-market deposit and lending ambitions.
- Inter & Co (Banco Inter): Brazilian digital bank offering free accounts, PIX, credit, investments, and consumer lending including secured loans. Directly comparable as a Brazilian full-stack neobank with retail credit focus, though larger and more diversified geographically.
- Banco Original: Brazilian digital bank offering agribusiness-focused accounts, credit, and investments with digital account platform. Comparable as a mid-sized Brazilian digital-only bank with a similar mix of digital consumer products.
- Banco Pan: Brazilian bank focused on consumer credit, vehicle financing, payroll-deductible loans, and home equity. Highly comparable to Banco Bari's product mix (consignado, home equity, retail lending) with overlapping customer segments in the Brazilian middle market.
- Banco BMG: Brazilian bank specializing in payroll-deductible loans (consignado) and consumer credit for INSS retirees and public servants. Closely comparable to Banco Bari's consignado franchise and partner-distribution model.
- Will Bank: Brazilian digital bank focused on retirees, INSS beneficiaries, and public servants with consignado and refinancing products. Closely comparable target customer (consigned credit segment) and digital distribution model.
Broad incumbents
- C6 Bank: Brazilian digital bank offering account, credit card, investments, and personal loans. Comparable digital-first consumer banking platform, though broader product set and not specialized in secured/home equity lending.
- Nubank: Largest Brazilian neobank offering digital account, credit card, personal loans, and PIX. Overlaps with Banco Bari on digital retail banking and consumer credit, though Nubank operates at vastly larger scale and is not specialized in secured/home equity lending.
- Itaú Unibanco: Largest Brazilian private bank with extensive branch and digital channels, offering home equity, consignado, and retail credit at scale. Comparable across Banco Bari's full product suite, though with vastly larger capital base, deposit franchise, and geographic reach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Barigui Financeira social profiles
Digital presenceBarigui Financeira compliance and trust
Trust signalCompliance1 record
Barigui Financeira financial estimates
Financial estimateRevenue estimate
Valuation estimate
Barigui Financeira leadership team
Management profileNumber of profiles
Profiles4 records
Barigui Financeira funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Barigui Financeira 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 Barigui Financeira
What does Barigui Financeira do?
Banco Bari is a digital multiple bank that provides home equity-secured loans (crédito com garantia de imóvel / CGI), consigned payroll-deductible credit for public servants and INSS beneficiaries, fixed income investment products (CDB, LCI, LF, CRI), and a digital multiconta account with integrated PIX payments. Its flagship offering is Brazil's first fully digital home equity line, allowing customers to unlock up to 60% of their property value at rates starting at 1.09% per month + IPCA with terms up to 20 years and up to 6 months grace period.
Is Barigui Financeira a public or private company?
Barigui Financeira is a private company. It is classified as corporate owned and is currently operating.
When was Barigui Financeira founded?
Barigui Financeira was founded in 2019. It employs 11 to 50 people.
Where is Barigui Financeira based?
Barigui Financeira is headquartered in Curitiba, Brazil, in the Latin America region.
How does Barigui Financeira make money?
Five revenue lines are on record. Home Equity / CGI Loans are the primary driver. The others are consigned Credit (Empréstimo Consignado), fixed Income Investments, construction and Reform Loans and bariCard Credit Card.
Who are Barigui Financeira's main competitors?
Direct peers on record are Crefisa, Neon Pagamentos, Inter & Co (Banco Inter), Banco Original, Banco Pan, Banco BMG and Will Bank. Broad incumbents are C6 Bank, Nubank and Itaú Unibanco.
Does Barigui Financeira have an API?
No public API is recorded for Barigui Financeira.
What industry is Barigui Financeira in?
Barigui Financeira's product category is Retail Banking. Its primary akta.pro industry code is FSABAFAA, Retail-focused Neobanks (Mass Market), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 5221 and its SIC code is 6021.