Access to accounts and international payments, without months lost in onboarding
Every bank has rules it doesn't publish, and approaching one without knowing them means rejections or months of silence. We know them: we prepare your case and advise you until you're up and running.
USD 3Bin annual TPV across operations connected by Banks4Banks
Connecting Latin America to the world
Finding the right bank shouldn't take months
Months of unnecessary processes
Each bank accepts certain countries, industries and structures, and those rules are rarely written down.
- You contact banks without knowing whether they accept your country, your industry or your structure.
- You rebuild the file for each one, with different forms and criteria.
- You wait weeks for every answer, without knowing whether the case is moving.
- When a bank closes the relationship, you start all over again.
The result: rejections or months of silence.
One door, with your case ready
- 1
Qualification
We understand your case. If there's no way forward, we tell you in the first conversation.
- 2
Matching
We choose the bank with appetite for your profile and make a direct introduction.
- 3
Onboarding
We prepare your case with a complete, consistent file, just once.
- 4
Go-live
We advise you until you're up and running. If something changes, we already know the alternatives.
Choose what your institution needs
Four solutions for banks, fintechs, remittance companies and payment companies. The service is provided by a licensed bank or provider; we choose which one.
Operate on someone else's infrastructure, with Master Accounts and sub-accounts
What fintechs and banks in the region look for most: collecting and paying in other countries without a license or a bank of their own in each one. A licensed provider with access to the local rails holds the Master Account; your institution operates with sub-accounts or virtual accounts with local details.
- Sub-accounts and virtual accounts in USD, EUR, BRL, MXN and other currencies, with ABA routing number, IBAN, PIX key or CLABE.
- Access to PSPs and aggregators to collect as a sub-merchant in each market.
- USD accounts connected to SWIFT, including a direct correspondent account when your institution needs one.
- SWIFT via API for institutions without their own BIC: sending and receiving international transfers through the provider.
Send and receive international payments
Via SWIFT, through the correspondent chain, or with local pay-in and pay-out: funds are collected in the country of origin and paid out in the destination country over the local rail, with the speed and cost of a local participant.
- SWIFT for any destination and currency.
- PIX in Brazil; Fedwire, ACH and FedNow in the United States; SEPA in Europe.
- Collections and mass payouts, depending on the country.
FX chosen by corridor
FX providers selected by corridor, volume and the pricing your operation needs: spot, batch or embedded in the payment.
- Argentine peso and Brazilian real against the dollar and the euro.
- Providers compared for your corridor, not a single option.
- Settlement into the account you already operate.
Stablecoins integrated for your clients
We integrate stablecoins so your institution can offer them to its clients, or settle outside banking hours. We connect you with regulated providers that convert between stablecoins and fiat currency in both directions.
- On ramp: from dollars or another currency to stablecoins such as USDC or USDT.
- Off ramp: from stablecoins to dollars or local currency, into your account.
- Provider chosen by country, volume and compliance requirements.
B4B does not hold or move funds. Availability depends on each country's regulations and on the provider's approval.
Ask about stablecoins →What people ask us before getting started
Have another question? Write to us at info@banks4banks.com.
What is a correspondent account, and why is it so hard to get?
It's an account that a bank in another country, usually the United States, opens for an institution so it can operate in that bank's currency. In recent years, large banks have closed many of these relationships with small and mid-sized institutions in the region, because reviewing them costs more than they bring in.
Does B4B open the account or receive funds?
No. B4B is not a financial institution: we do not open accounts or receive, hold or transfer third-party funds. The account is always opened by the bank or provider, and the money never passes through us.
Can you guarantee approval?
No. The decision always rests with the bank's or provider's compliance team. What we do is choose the provider that makes sense for your profile and prepare the case so it can be reviewed without back-and-forth.
Can you connect us to SWIFT?
Yes, in two ways. If your institution doesn't have its own BIC, we connect it with providers that let it send and receive SWIFT transfers via API, using their infrastructure. If you already have a BIC, being on the network isn't enough: what determines whether you can get paid is the correspondent account, and that's the part we solve. In both cases, approval depends on the provider.
How long does the process take?
It depends on the type of institution and what it needs. A company with a simple structure can be sorted out in weeks; a correspondent account for a financial institution usually takes several months. In the first conversation, we give you a realistic timeline for your case.
Tell us what your institution needs
In the first conversation, we tell you whether there's a viable path, and with whom.
info@banks4banks.com
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