Optimize your business payments in Colombia
in real time

An interbank payment is a financial transaction in which funds are transferred between bank accounts from different financial institutions. This type of payment allows money to move from one bank to another, facilitating transactions such as wire transfers, payroll, supplier payments, and more. These processes are a fundamental part of the financial system and promote interoperability between different institutions.

In Colombia, the duration of an interbank transfer depends on the method used. Transfers between accounts within the same bank are processed in real time, with funds appearing in the destination account within seconds, 24/7, including weekends and holidays. In contrast, traditional electronic transfers (ACH) take between 24 and 48 business hours, depending on the execution time and the receiving bank’s processes. With Colombia’s Immediate Payments System (SPI or Bre-B), interbank payments are expected to become instant, improving traditional transfer speeds.

Payments made through Cobre are processed within minutes. Thanks to direct integrations with banks such as Bancolombia, BBVA, Banco de Occidente, Banco de Bogotá, and others, transactions are reflected almost instantly.

In Colombia, deposits can be made in three main ways:

1. At a bank branch by submitting cash and a deposit slip.
2. At ATMs, using envelopes or smart machines that count the cash.
3. Through electronic transfers via online banking or mobile apps.

With Cobre, electronic deposits are optimized through immediate payment APIs, ensuring fast and secure real-time transfers. This service is part of the modernization of corporate financial services and enhances interoperability between banking systems.

To track a bank transfer in Colombia, the process varies depending on whether you are the sender or the recipient. If you initiated the transfer, you can check its status through your bank’s online banking or mobile app by reviewing your transaction history and using the reference number or transaction receipt. You can also contact customer service for additional support. If you are the recipient, check your account online. Transfers within the same bank usually arrive in seconds, while ACH transfers can take 24 to 48 business hours. Always ensure your personal data is protected during this process.

You can collect payments through a PSE button, payment links, or direct account debit.

Cobre has strategic partnerships with major players in Colombia’s financial system. Currently, our partners include Bancolombia, Davivienda, Banco de Bogotá, BBVA, Banco de Occidente, Coopcentral, and the digital wallets Nequi and Daviplata.

You can make payments to bank accounts in Colombia or to digital wallets.

Yes. Learn more about our International Payments product, which expands your capabilities in global financial markets and connects your business with solutions beyond the local scope.