Inter&Co
Brazilian fintech super app for banking, payments, investments and commerce.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- Inter & Co, Inc.
- Entity type
- COMPANY
- Founded
- 1994
- Headquarters
- Av. Barbacena, 1219 – Santo Agostinho, Belo Horizonte, MG, 30190-924, Brazil
- Company size
- >5,000
- Market role
- B2C Consumer App / Platform
- Ticker
- INTR
- Official website
- inter.co
What Inter&Co does
Inter&Co runs a multi-product fintech platform that acquires users through low-friction digital accounts and then expands revenue per customer via adjacent financial and commerce services. Value is created by concentrating banking, payments, investing, shopping and rewards in one interface, which increases user engagement and enables cross-sell across both consumer and SME segments.
Category differentiation
Inter&Co is a fintech and digital banking platform, not an adtech, martech or software productivity vendor despite some product taxonomy mappings. It should also not be confused with a standalone payments processor only, because its model spans banking, investments and embedded commerce.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
Inter&Co is a Brazil-headquartered public fintech company operating a mobile-first financial ecosystem centred on its super app. Its products span consumer banking, payments, credit card management, investments, a cashback-enabled marketplace, loyalty features and business banking for SMEs. The company monetises primarily through financial services economics such as lending-related income, card and payment fees, investment commissions and marketplace commissions. Its customer base includes retail consumers using the app for everyday banking and shopping, as well as small and medium-sized businesses using digital business banking and related payment services. The acquisition of Granito indicates a deliberate expansion into SME payments, while the integrated marketplace and rewards layers are designed to increase engagement, transaction frequency and customer lifetime value.
Company news briefing
Briefing updated:
Inter&Co has accelerated its ecosystem monetisation with the launch of Inter Ads, a proprietary solution connecting brands to a growing base of over 44 million customers. Building on its "Rule of 50" strategic guideline and the recent licensing of its United States branch, the group has formalised its updated roadmap in its 2025 annual report. These developments further integrate the company’s digital footprint, moving beyond its Forum financial network to create a diversified international platform for cross-border services and targeted advertising.
Business model & monetisation
Inter&Co uses a layered fintech monetisation model. Based on the provided product and financial evidence, revenue comes from interest and loan economics, card and payment-related fees, investment platform commissions, marketplace transaction commissions, and broader cross-selling of financial services inside the app. The company uses free or low-fee account access as a customer acquisition mechanism, monetising downstream through transaction activity, financial products and embedded commerce.
- Consumer and SME lending economics
- Interest and related financial income
- Card and payments fees
- Transaction and interchange-style fees
- Investment platform commissions
- Commission-based financial distribution
- Marketplace transaction commissions
- Percentage take-rate on commerce transactions
- Insurance and other cross-sold financial services
- Brokerage or referral-style fees
Products & capabilities
No products with linked sources are available in this view.
Products & market categories
Competitors & alternatives
- Nubank
Latin American neobank offering digital banking, cards and investments.
- ABN AMRO
Dutch bank serving consumers, SMEs and corporates through digital banking.
- Ouro
Prepaid payments and digital financial tools for underserved consumers.
- Bybit
Crypto exchange platform for trading, yield, lending and payments.
- Revolut
App-first fintech platform for banking, payments, trading and business finance.
Side-by-side comparisons
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
6-K Financial Filing Analysis for Inter&Co (2026-09-09)
financials · Recorded impact score: 3.2/5
Inter & Co, Inc. filed a Form 6-K with the SEC on September 9, 2026, announcing a 'Notice of Relevant Equity Sale' (Exhibit 99.1). The filing, authorized by Head of Investor Relations Rafaela de Oliveira Vitoria, signals a material transaction involving the sale or reallocation of an equity stake in the company. Such disclosures typically indicate major shareholder divestments, secondary transactions, or strategic shifts in institutional ownership.
- Inter & Co furnished Form 6-K on September 9, 2026, incorporating Exhibit 99.1 titled 'Notice of Relevant Equity Sale'.
- The regulatory report was officially executed and authorized by Rafaela de Oliveira Vitoria, Head of Investor Relations.
Explore company relationships
Questions about Inter&Co
What is Inter&Co?
Inter&Co is a Brazil-based public fintech company operating a super app for banking, payments, investments, shopping and rewards.
Who uses Inter&Co?
Its main users are retail consumers managing everyday finances, plus SMEs using digital business banking and related payment services.
How does Inter&Co make money?
It makes money through lending-related income, payment and card fees, investment commissions, marketplace commissions and cross-sold financial services.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
15 publicly documented primary sources and citations linked across the market graph.
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