What Banco Compartamos does

Banco Compartamos, SA, Institución de Banca Múltiple is a Mexican regulated banking institution headquartered at Av. Insurgentes Sur 1458, Actipan, Benito Juárez, in Mexico City. Founded in 1990 and operating for more than 30 years, the bank is a wholly owned subsidiary of Gentera, a Mexican financial services holding company. It specializes in serving entrepreneurs and microbusiness owners, with a particular focus on women-led micro-enterprises in the informal sector, addressing limited access to formal credit, lack of collateral, and the need for flexible repayment structures.

The product portfolio spans three core verticals. Credit products include Crédito Grupal (group lending), Crédito Individual, Crédito Adicional Plus (repeat-borrower upgrade), and Crédito Crece y Mejora (business expansion credit). Savings and investment products include Mis Ahorros Compartamos, Cuenta A Mi Favor, Mi Grupo Compartamos, Cuenta Básica, Cuenta Básica de Nómina, and Inversiones Compartamos. Insurance products include Compartamos Protección, Seguro de Robo, and Seguro Magenta (health and life). These are delivered through an omnichannel stack combining a nationwide branch network and a predominantly female field-agent sales force with self-service digital channels: the Compartamos Móvil mobile app (available on Google Play and Huawei AppGallery), the Compartamos NET online banking portal, Compartamos SMS, and integration with Mexico's CoDi (Cobro Digital) QR-code instant payment standard. Customer engagement is reinforced through the Aprende y Emprende educational blog, the Invito y Gano referral program, the Descuentos en Comercios merchant discount portal, and the Clientazo loyalty program.

The revenue model is a transaction-fee and interest-income model driven primarily by microcredit interest across the four credit lines, supplemented by fees on savings and transaction accounts, commission income from insurance offerings, and digital-channel transaction fees. Pricing is regulated and not publicly disclosed on the website; the bank directs customers to dedicated regulatory information pages and CONDUSEF disclosures. The go-to-market is sales-led and physical-distribution-heavy, with field agents conducting direct outreach to small business owners, augmented by growing digital self-service capability. The institution is privately held within Gentera with no public stock market listing identified.

Name

Banco Compartamos

Legal name

Banco Compartamos, SA, Institución de Banca Múltiple

Website

https://compartamos.com

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Banco Compartamos is a Mexican regulated banking institution serving entrepreneurs and microbusiness owners, with over 30 years of history as part of the Gentera group. It offers group and individual microcredit, savings and investment accounts, and insurance, delivered through branches, field agents, and digital channels.

Ownership category

akta.pro rank

Product category

Microfinance Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Digital Retail Banking (Online & Mobile) (FSABAAAF), Digital Banking & Neobank Platforms (BPAMAFAD)

Keywords

• Microfinance lending
• Group credit products
• Savings accounts
• Microenterprise banking
• Consumer insurance

Headquarters

HQ city

Ciudad de México

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. Credit Interest Income: Primary revenue from interest charged on loan products including Grupal (group), Individual, Adicional Plus, and Crece y Mejora credit lines extended to entrepreneurs.
2. Deposit and Savings Accounts: Revenue from savings account fees, transaction fees on cuenta básica, cuenta nómina, and investment products (Inversiones Compartamos).
3. Insurance Products: Commission revenue from insurance offerings including Compartamos Protección, Seguro de Robo, and Seguro Magenta sold alongside credit products.
4. Digital Service Fees: Fees from digital channel transactions including service payments, transfers, and recargas through Compartamos Móvil and NET platforms.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Banco Compartamos is a Mexican regulated banking institution that provides microfinance credit (group and individual), savings accounts, investment products, and personal insurance (life, theft, mobile protection) to micro-entrepreneurs and low-income individuals, with a particular focus on women-led micro-businesses. The bank also delivers its services through multiple digital channels including a mobile banking app, web banking, SMS, and CoDi.

Product overview

Banco Compartamos is a Mexican banking institution offering a unified portfolio of microfinance products and services targeting entrepreneurs. The core offering consists of credit products (Crédito Grupal, Crédito Individual, Crédito Adicional Plus, Crédito Crece y Mejora), savings and investment accounts (Mis Ahorros Compartamos, Cuenta A Mi Favor, Mi Grupo Compartamos, Cuenta Básica, Cuenta Básica de Nómina, Inversiones Compartamos), and insurance products (Compartamos Protección, Seguro de Robo, Seguro Magenta). These are supported by digital channels including Compartamos Móvil (mobile app), Compartamos NET (online banking), Compartamos SMS, and CoDi integration. The bank serves customers with over 30 years of experience in microfinance.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Grupal Group-based microcredit product where a small group of co-borrowers jointly guarantees the loan; designed for micro-entrepreneurs, especially women, who lack traditional collateral or credit history.
• Crédito Individual
• Crédito Adicional Plus
• Crédito Crece y Mejora
• Mis Ahorros Compartamos
• Cuenta A Mi Favor
• Mi Grupo Compartamos
• Cuenta Básica
• Cuenta Básica de Nómina
• Inversiones Compartamos
• Compartamos Protección
• Seguro de Robo
• Seguro Magenta
• Compartamos Móvil
• Compartamos NET
• Compartamos SMS
• CoDi

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Banco Azteca: Mexican commercial bank focused on mass-market and informal-sector customers, offering credit, savings, and remittances through an extensive branch and agent network across Mexico; directly comparable to Compartamos in microfinance and underbanked customer focus.

Emerging players

• Hey Banco: Mexican digital bank from Banregio targeting mass-market consumers with deposits, credit, and payments; comparable as a digital banking alternative pursuing the same retail and small-business segments as Compartamos.
• Klar: Mexican neobank offering credit, savings, and payments to mass-market consumers; comparable as a digital-first challenger pursuing underbanked customers that overlap with Compartamos's core microfinance segment.
• Nu México: Mexican subsidiary of Nubank offering digital consumer accounts, credit cards, and personal loans; directly comparable as a digital retail bank competing for the same low-to-middle-income Mexican customer base.
• Albo: Mexican neobank providing accounts, cards, and credit lines to consumers; comparable as a digital-first competitor addressing underbanked and emerging-middle-class customers in Mexico.

Regional players

• Konfío: Mexican digital lender focused on small and medium businesses; comparable as a Mexico-based SMB credit platform competing for the entrepreneur segment that sits above Compartamos's micro-borrowers.
• Bancamia (Colombia): Colombian microfinance bank serving micro-entrepreneurs with credit, savings, and insurance using group-lending methodologies; comparable to Compartamos as a Latin American microfinance specialist with a similar product and distribution model.

Broad incumbents

• Banco Santander México: One of the largest banks in Mexico offering retail, SMB, and corporate banking; comparable as a large incumbent that competes for the upper tier of Compartamos's small-business and payroll-deposit customers.
• Gentera: Parent company of Banco Compartamos and operator of sister microfinance subsidiaries across Latin America; comparable as the consolidated group of which Compartamos is the flagship banking entity, sharing customers, methodology, and management.
• Covalto: Mexican digital bank and SMB-focused lender; comparable as a Mexican banking and credit platform serving small businesses and consumer segments, competing for some of the same entrepreneur customers as Compartamos.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/banco-compartamos

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 Banco Compartamos