How does Bre-B work?

Bre-B is Colombia's interoperable instant payments system, operated by Banco de la República. It allows you to send and receive Colombian pesos instantly between banks and digital wallets 24/7, using simple keys such as your national ID, phone number or email address.

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Pros and cons of using Bre-B

Learn the key points before operating with this method.

Pros

Free for individuals: no fees during the first 4 years of operation as set by Banco de la República.
Instant 24/7: real-time transfers any day, including weekends and holidays.
Simple keys: use your ID, phone number or email instead of a long account number.
Full interoperability: works across Nequi, Bancolombia, Davivienda and 200+ participating entities.
Backed by Banco de la República: official central bank infrastructure, not a private operator.

Cons

Colombia only: works exclusively with Colombian accounts and digital wallets.
Per-transaction limit: cap of 1,000 UVB ($12,110,000 COP in 2026), and each entity may set lower thresholds.
Key registration required: you must activate your Bre-B key in your bank or wallet before operating.
Phishing risk: scam SMS messages asking you to "accept incoming transfers" have been reported — you never need to click to receive.

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Payment Status Bre-B

You will find all waiting-time information in this section. On the left, you can see pending orders with their progress, and on the right, completed orders from our customers in the last few hours.

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Saldoar Blog: Bre-B

In this section we highlight blog articles about Bre-B and its use cases.

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Alternatives to Bre-B and their competitors

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