Wallets/btg-pactual
BTG+ (BTG Pactual Banking)
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Overview
BTG+ (BTG Pactual Banking) is Banco BTG Pactual's digital retail bank + Latin America's largest investment bank + BTG+ launched Brazil early 2021 after 8 months of development + Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas [1, 2, br-cro]. 2025 baseline: BTG+ digital retail bank launched Brazil early 2021 after 8 months of development; Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas distinctive Brazilian transaction banking recognition; BTG+ App Store 4.9 + Google Play 4.8 rating distinctive Brazilian digital banking user experience excellence; BTG Pactual Empresas distinguished platform-first strategy that embeds automation, artificial intelligence and open-finance integration distinctive Brazilian corporate banking digital transformation.
Distinctive BTG+ positioning:
- Latin America's largest investment bank (Banco BTG Pactual S.A.; B3: BPAC11)
- BTG+ launched Brazil early 2021 after 8 months of development distinctive Brazilian digital bank rapid launch
- Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas distinctive Brazilian transaction banking recognition
- BTG+ App Store 4.9 + Google Play 4.8 rating distinctive Brazilian digital banking user experience excellence
- BTG Pactual Empresas distinguished platform-first strategy that embeds automation, artificial intelligence and open-finance integration distinctive Brazilian corporate banking digital transformation
- 1983 BTG Pactual founding by Pactual + 2010 BTG (formerly Garantia bankers) merger creating BTG Pactual distinctive Brazilian investment banking heritage
- BTG+ complete mobile bank with credit cards to investments + innovative features distinctive Brazilian digital bank comprehensive offering
History
1983 — Pactual founded as Brazilian investment bank.
2008 — BTG (formerly Garantia bankers) founded by André Esteves as Brazilian investment bank.
2010 — BTG + Pactual merger creates BTG Pactual distinctive Brazilian investment banking consolidation.
2012 — BTG Pactual B3 IPO.
Early 2021 — BTG+ (initially called BTG+) launches in Brazil after 8 months of development as digital retail bank [1, 2].
2025 — Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas + BTG+ App Store 4.9 + Google Play 4.8 rating + BTG Pactual Empresas distinguished platform-first strategy that embeds automation, artificial intelligence and open-finance integration [1, 3].
Ownership & operator
Operating entity: Banco BTG Pactual S.A. (B3: BPAC11; Latin America's largest investment bank).
Major shareholders: André Esteves (Chairman + co-founder) + BTG Pactual management partners + Brazilian retail + institutional + foreign investors.
Regulators: BCB (Banco Central do Brasil) + CVM.
Technical integration
BTG+ mobile banking app (iOS + Android; App Store 4.9 + Google Play 4.8 rating) + btgpactual.com online + BTG Pactual branch network Brazil + Chile + Argentina + Colombia + Peru + Mexico + US + UK + Luxembourg + BTG Pactual Visa + Mastercard cards; Pix + EMV QRCode; BTG+ complete mobile bank with services that range from credit cards to investments + innovative features to help users manage their finances + BTG Pactual Empresas distinguished platform-first strategy that embeds automation, artificial intelligence and open-finance integration across every client touchpoint distinctive Brazilian corporate banking digital transformation.
Users & growth
BTG+ digital retail bank launched Brazil early 2021 after 8 months of development; Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas; BTG+ App Store 4.9 + Google Play 4.8 rating.
Use cases
Brazilian + Latin American retail + private + SME + commercial + investment + corporate banking via BTG+ mobile + btgpactual.com online + BTG Pactual branch network Brazil + Chile + Argentina + Colombia + Peru + Mexico + US + UK + Luxembourg + Visa/Mastercard cards; Pix + EMV QRCode; BTG+ complete mobile bank with services that range from credit cards to investments + innovative features to help users manage their finances + BTG Pactual Empresas distinguished platform-first strategy that embeds automation, artificial intelligence and open-finance integration across every client touchpoint distinctive Brazilian corporate banking digital transformation.
Implementations & partners
Operator: Banco BTG Pactual S.A. (B3: BPAC11; Latin America's largest investment bank); André Esteves (Chairman + co-founder) + BTG Pactual management partners + Brazilian retail + institutional + foreign investors.
Major Brazilian investment + private + state-owned bank competitors: [[banco-itau]] (Itaú Unibanco's mobile banking; B3: ITUB4; NYSE: ITUB; Brazil's largest private bank by assets; Itaú Superapp 10M+ customers migrated Jun 2025) + [[bradesco]] (Brazil's second-largest private bank by assets; B3: BBDC4; NYSE: BBD) + [[santander-brasil]] (Banco Santander Brasil; 19M+ digital banking customers) + [[banco-do-brasil]] (Brazil's largest bank by assets; B3: BBAS3; state-controlled) + [[caixa-tem]] (Caixa Econômica Federal mobile banking; Brazil's #2 bank by assets; state-controlled) + [[nubank]] (Brazil's largest neobank; NYSE: NU; 131M+ customers) + [[c6-bank]] (Brazilian digital bank + JPMorgan ~46% stake; B3: C6BB34) + [[banco-inter]] (Brazilian digital bank; B3: INBR32; NASDAQ: INTR) + [[banco-original]] (Brazilian digital bank) + [[picpay]] (Brazilian fintech super app; NASDAQ: PICS post-Jan 29 2026 IPO; 66M+ customer accounts + 42M quarterly active users Q3 2025) + [[sicredi]] (Brazil's first cooperative bank initiative; 8M+ members; 100+ credit cooperatives federation) + [[sicoob]] (Brazil's #2 cooperative bank by members).
Regulators: BCB + CVM.
Fun facts
- Latin America's largest investment bank (Banco BTG Pactual S.A.; B3: BPAC11).
- BTG+ launched Brazil early 2021 after 8 months of development distinctive Brazilian digital bank rapid launch.
- Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas distinctive Brazilian transaction banking recognition.
- BTG+ App Store 4.9 + Google Play 4.8 rating distinctive Brazilian digital banking user experience excellence.
- BTG Pactual Empresas distinguished platform-first strategy that embeds automation, artificial intelligence and open-finance integration distinctive Brazilian corporate banking digital transformation.
- 1983 BTG Pactual founding by Pactual + 2010 BTG (formerly Garantia bankers) merger creating BTG Pactual distinctive Brazilian investment banking heritage.
- BTG+ complete mobile bank with credit cards to investments + innovative features distinctive Brazilian digital bank comprehensive offering.
Comparison
| Feature | BTG+ | [[nubank]] (Brazil's largest neobank rival; 131M+ customers across BR + MX + CO Q3 2025) | [[banco-itau]] (Brazil's largest private bank by assets rival; Itaú Superapp) | [[picpay]] (Brazilian fintech super app rival; NASDAQ: PICS post-Jan 29 2026 IPO) | [[c6-bank]] (Brazilian digital bank rival; JPMorgan ~46% stake) |
|---|---|---|---|---|---|
| Operator | Banco BTG Pactual S.A. (B3: BPAC11; Latin America's largest investment bank) | Nu Holdings Ltd. (NYSE: NU; Brazil's largest neobank) | Itaú Unibanco Holding S.A. (B3: ITUB4; NYSE: ITUB; Brazil's largest private bank by assets) | PicPay Holdings (NASDAQ: PICS post-Jan 29 2026 IPO; Brazilian fintech super app + digital bank) | C6 Bank (B3: C6BB34; JPMorgan ~46% stake) |
| Type | Latin America's largest investment bank + BTG+ launched Brazil early 2021 after 8 months of development + Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas + BTG+ App Store 4.9 + Google Play 4.8 rating + BTG Pactual Empresas distinguished platform-first strategy that embeds automation, AI and open-finance integration | Brazil's largest neobank + 131M+ customers across BR + MX + CO Q3 2025 + Mexico 13.1M customers Q3 2025 ~14% MX adult population + Colombia 3.8M customers Q3 2025 ~10% CO adult population | Itaú Superapp 10M+ customers migrated Jun 2025 + 20M app users + 97% individual transactions digital channels + Itaú Brazil's largest private bank by assets + #1 banking app performance ranking 2025 | 66M+ customer accounts + 42M quarterly active users Q3 2025 + NASDAQ: PICS post-Jan 29 2026 IPO at US$19.00/share + R$7.3B (~US$1.37B) total revenue + R$313.8M (US$59M) net profit 9M 2025 + USD and EUR Accounts launch Nov 10 2025 | Brazilian digital bank + JPMorgan ~46% stake |
| Country | BR + CL + AR + CO + PE + MX + US + UK + LU | BR + MX + CO | BR + CL + AR + UY + PY + US + CL + others | BR | BR |
| Distinctive | 1983 Pactual founding; 2008 BTG founding by André Esteves; 2010 BTG + Pactual merger; 2012 BTG Pactual B3 IPO; Early 2021 BTG+ launch in Brazil after 8 months of development; 2025 Brazil's best transaction bank Euromoney - BTG Pactual Empresas + BTG+ App Store 4.9 + Google Play 4.8 rating + BTG Pactual Empresas distinguished platform-first strategy | 2013 Nubank founding by David Vélez + Cristina Junqueira + Edward Wible in São Paulo; Dec 9 2021 NYSE IPO; 2018 Nu Mexico launch; 2020 Nu Colombia launch | 1944 Itaú founding; 1995 Unibanco-Itaú renaming; 2008 Itaú-Unibanco merger; Jul 2024 Itaú Superapp launch | 2012 PicPay founding in Vitória, Espírito Santo; 2015 J&F Investimentos majority controlling acquisition; 2018-2020 evolution from P2P payments to super app; Nov 10 2025 PicPay USD and EUR Accounts launch powered by AstroPay Platform; Jan 29 2026 PicPay IPO on Nasdaq Global Select Market at US$19.00/share | 2018 C6 Bank founding; 2022 JPMorgan ~46% stake acquisition |
Status
Active, Latin America's largest investment bank + BTG+ launched Brazil early 2021 after 8 months of development + Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas [1, 2, 3]:
- Banco BTG Pactual S.A. (B3: BPAC11; Latin America's largest investment bank) since 1983 Pactual founding + 2008 BTG founding by André Esteves + 2010 BTG + Pactual merger creating BTG Pactual + 2012 BTG Pactual B3 IPO + Early 2021 BTG+ launch in Brazil after 8 months of development.
- Brazil's best transaction bank 2025 Euromoney - BTG Pactual Empresas + BTG+ App Store 4.9 + Google Play 4.8 rating.
- BTG Pactual Empresas distinguished platform-first strategy that embeds automation, artificial intelligence and open-finance integration.
- BCB + CVM regulated.
Sources
- 1 How BTG Pactual built its award-winning digital bank — Pismo
- 2 Leading the way: How BTG Pactual is simplifying banking for Brazilian businesses — The Digital Banker
- 3 Brazil's best transaction bank 2025: BTG Pactual Empresas — Euromoney
- br-cro In-corpus:
reports/countries/BR-brazil.md
Source
Biography extracted from btg-pactual.md. See matrix.md for standards-support matrix if present.