sicredi centro-sul ms

What sicredi centro-sul ms does

Sicredi Centro-Sul MS/BA is a Brazilian credit cooperative operating across the states of Mato Grosso do Sul (MS) and Bahia (BA), founded approximately in 1989 as part of the Sicredi system — described as the first cooperative financial institution in Brazil. It is a member-owned institution under the Confederação Sicredi, which provides shared technology infrastructure, branding, product development, and regulatory support. The cooperative provides a full retail and SME banking stack to three primary segments: individuals (Pessoa Física), businesses and microentrepreneurs (Pessoa Jurídica / MEI), and agribusiness producers (Agronegócio), with agribusiness credit delivered in part through the federal Plano Safra program.

The technology platform is delivered through the national Sicredi stack: a mobile application (Sicredi Mobi) on iOS and Android, internet banking, WhatsApp corporate channel, and telephone banking, supported by integrations with Pix, Apple Pay, Google Pay, and Open Finance. Notable proprietary or system-level features include Pix recipient-flag fraud alerts, the Origem Verificada STIR/SHAKEN caller-authentication system, application-lock-during-calls social-engineering protection, the Febraban/Fenaban Fraud Prevention Seal, and LGPD compliance. Distribution is hybrid — physical branches (agências) across the MS/BA territory combined with digital self-service, with accessibility provisions including Libras support and dedicated deaf-access lines. Recent product launches include Energia Solar financing (2026) and digital onboarding of CDI100 and LCA investment products (2025).

Revenue is generated through interest on credit operations (personal, business, agricultural credit, consórcios), card interchange and transaction fees, insurance distribution commissions, and investment product fees/spread, with surplus allocated to the Fundo Social community-investment fund. The go-to-market is sales-led and relationship-driven through the cooperative membership principle, supported by multi-channel content marketing across social platforms, the Blog do Sicredi, and community engagement events. The cooperative does not publicly disclose revenue, headcount, or pricing specifics; interest rates and fees follow Sicredi national system guidelines.

Name

sicredi centro-sul ms

Legal name

Sicredi Centro-Sul MS/BA

Website

https://sicredicentrosulms.com.br

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Sicredi Centro-Sul MS/BA is a member-owned Brazilian credit cooperative, part of the Sicredi national system, providing full-service retail, SME, and agribusiness banking across Mato Grosso do Sul and Bahia through physical branches, mobile and internet banking, Pix, and Open Finance.

Ownership category

akta.pro rank

Headquarters

HQ city

Dourados

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Operations: Interest income from personal loans, business credit, agricultural financing (credito rural), and consórcios (collective purchasing groups). The cooperative extends credit to members at competitive rates, generating interest income as the primary revenue stream.
2. Card Services: Transaction fees and interchange income from credit and debit card operations. The cooperative issues Visa-branded cards including Visa Infinite, Mastercard, and virtual cards with rewards programs.
3. Insurance Products: Insurance product distribution including personal, business, and agricultural insurance through partnership with insurance providers, earning commission income.
4. Investment Products: Distribution of investment products including CDI100, LCA (Agricultural Credit Letters), savings, and pension plans, generating fees and spread income.
5. Social Fund (Fundo Social): Community investment fund that supports social projects in education, culture, sports, environment, and social inclusion, funded by cooperative surplus allocation.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Sicredi Centro-Sul MS/BA is a credit cooperative that delivers a full range of retail and commercial banking products to individual members, businesses, and agribusiness across Mato Grosso do Sul and Bahia. Core offerings include checking accounts, credit and debit cards, Pix instant payments, personal and business loans, rural credit under the Plano Safra, investment products (CDI100, LCA, savings), insurance, private pension plans, consórcios, foreign exchange, digital certificates, and solar energy financing, supported by physical branches and digital channels including the Sicredi Mobi app and internet banking.

Product overview

Sicredi Centro-Sul MS/BA is a cooperative financial institution offering a comprehensive suite of financial products and services organized around a core banking platform. The primary offerings include checking accounts (Conta Corrente) for individuals and businesses, credit and debit cards including premium Visa Infinite and virtual cards, the Pix instant payment system, credit facilities for personal, business, and agribusiness use, investment products (CDI100, LCA, savings), group savings plans (Consórcios), insurance products, and private pension plans. Key differentiated offerings include the exclusive Shopping do Sicredi marketplace for point redemption, the Woop Sicredi rewards program, solar energy financing for multiple sectors, Open Finance data sharing capabilities, digital certificates for secure transactions, and innovation services for agribusiness. The product architecture combines core banking services with digital add-ons like virtual cards and a mobile app, positioned as an accessible cooperative banking alternative across Mato Grosso do Sul and Bahia regions.

Differentiator

Problem solved

Functional benefit

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Hospital de AmorminorOthers · 24 July 2026Charity partnership for the cooperative's 37th anniversary celebration. A solidarity concert featuring Renato Teixeira was held with all proceeds destined to support the construction of a new hospital unit. The partnership demonstrates the cooperative's community investment through its Fundo Social.
• Sicredi National SystemcoreStrategic or Co-development PartnerThe cooperative operates as part of the Sicredi system (Confederação Sicredi), using shared technology platforms, branding, products, and operational support. The national confederation provides technology infrastructure, product development, risk management, and regulatory compliance support across all Sicredi cooperatives.
• Finaseg/Febraban Fraud Prevention SealminorOthersSicredi received the Fraud Prevention Seal from the National Federation of Financial Institutions (Fenab) in partnership with the Brazilian Federation of Banks (Febraban). The seal recognizes financial institutions that follow best practices for digital fraud prevention through independent inspection.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sicoob: Largest credit cooperative system in Brazil and the closest direct peer to Sicredi, offering the same member-owned checking, credit, agribusiness, and insurance products across a national branch network. Directly competes for cooperative members, agribusiness lending share, and rural credit allocations.

Broad incumbents

• Banco do Brasil: State-controlled commercial bank with dominant share in Brazilian agribusiness lending, rural credit, and Plano Safra distribution. Competes head-on with Sicredi Centro-Sul MS/BA in agribusiness and SMB banking across MS and BA.
• Bradesco: One of Brazil's largest private commercial banks with extensive retail, SMB, and agribusiness operations. Overlaps with Sicredi on checking accounts, credit cards, Pix, and insurance distribution in regional Brazil.
• Itaú Unibanco: Largest private bank in Latin America, offering full retail, corporate, and agribusiness banking. Competes with Sicredi in credit cards (incl. premium Visa Infinite), investments, and SMB banking through its digital and physical channels.
• Caixa Econômica Federal: Federal public bank with deep presence in retail banking, payroll-deducted lending, and housing finance across regional Brazil. Directly competes with Sicredi in low-to-middle-income retail deposits and consumer credit.
• Santander Brasil: Major private commercial bank with strong SMB and agribusiness franchises in regional Brazil. Overlaps with Sicredi on business credit, credit cards, and FX/international trade services.

Emerging players

• Nubank: Brazil's largest digital-only bank, rapidly expanding into SMB and consumer credit. Competes with Sicredi for primary-account status, credit card share, and Pix-driven deposit relationships in MS and BA.
• Inter: Brazilian digital bank with a super-app model spanning checking, credit, investments, insurance, and a marketplace. Overlaps with Sicredi on retail digital accounts, investments (CDB/RDB equivalent to LCA), and SMB acquisition.
• C6 Bank: Digital-first Brazilian bank with strong credit-card franchise and tiered accounts including premium products. Directly comparable to Sicredi on card offerings, Pix, and digital account onboarding.
• Banco Original: Brazilian digital and agribusiness-focused bank with a strong rural lending franchise. Comparable to Sicredi on agribusiness credit, digital onboarding, and SMB banking within Brazil.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/sicredicentrosulmsba
• YouTubeyoutube.com/@sicredicentrosulmsba
• Facebookfacebook.com/sicredicentrosulmsba
• LinkedInlinkedin.com/company/sicredicentrosulmsba
• Instagraminstagram.com/sicredicentrosulmsba

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 sicredi centro-sul ms