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Itaú Unibanco

Provider
LendingBaaSCard IssuingFX / PayoutsPayrollPSPSponsor Bank

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 6 companies across 7 categories.

itaunibanco.com ↗Also analysed as a company — its own stack →
CategoriesLending, BaaS, Card Issuing, FX / Payouts, Payroll, PSP, Sponsor Bank
Rank#33 of 254 in Lending
Buyers6 companies
HeadquartersSão Paulo, Brazil
Founded2008
RegulatoryConditional approval · National bank

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Founders & story · from Itaú Unibanco’s own dossier

Itaú Unibanco is Brazil's largest private-sector bank, formed by the 2008 merger of Banco Itaú and Unibanco. Since 2022 the wholesale arm (Itaú BBA) has been productizing its core banking capabilities as 'IaaS' (Itaú as a Service), positioning itself as a BaaS provider to fintechs, digital banks, and non-financial enterprises in Brazil. In parallel it is expanding its retail FX and cross-border proposition — most notably via the 2025 Wise Platform integration — turning traditional Brazilian bank rails into an embedded consumer product.

Recent developments
  • 2026-08Conditional approval · Corporate Decision 1386 · 2026-08-14 — Itaú Bank, National Association, national bank, OCC. US national bank for Brazil's largest private bank. [charter] source ↗
  • 2025-03Launched instant cross-border payments in the Itaú app via Wise Platform partnership. source ↗
Full dossier: Itaú Unibanco’s own stack, layer by layer →
Charter application · Conditional approval
Itaú Bank, National Association · National bank · OCC · Miami, FL · filed 2026-03-16.
Conditional approval · Corporate Decision 1386 · 2026-08-14
US national bank for Brazil's largest private bank.
OCC letter ↗
Who uses Itaú Unibanco
6 companies disclose Itaú Unibanco in their stack
Itau BBAIti ItaúNeonRedeTechfinItaú Private Bank
Buyer mix · 6 of 6 classified
Bank / National · 3Fintech / Lending · 1Fintech / Neobank · 1Infrastructure / Payments · 1
LATAM · 5EU · 1
What the disclosures say
Iti Itaú
“Telefónica press release: 'Itaú Unibanco enhances its digital banking and protects its customers with Telefónica solutions such as KYC, SIM Swap and Device Location Verification...”
Neon
“Footer: 'A Neon é uma Instituição de Pagamento autorizada pelo Banco Central do Brasil e atua como correspondente bancário: (ii) Itaú Unibanco S.A. no produto de pagamento de contas (Ficha de compensação e boletos); (iii) Banco Citibank S.A.'”
Rede
“Footer on userede.com.br states: 'A Redecard SA ... atua como correspondente no país, nos termos da resolução 4.935/2021, e encaminha propostas referentes a Abertura de Conta de Depósito à Vista Conta Corrente e Cartões Business para o Banco Itaú Unibanco Holding S.A.' — Rede acts as a banking correspondent for Itaú Un…”
Itaú Private Bank
“itau.com.br/empresas/emprestimos-financiamentos lists Itaú's SMB/corporate lending catalog operated directly by the bank; these are Itaú Empresas products (not Private Bank per se) but sit within the Itaú Unibanco group.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Itaú Unibanco? Claim this profile above to unlock your own full list.
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What Itaú Unibanco runs on · from its own dossier
The third-party providers Itaú Unibanco itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Itaú Unibanco.
FX / Payouts
Wise Platform
FX API
Wise Platform
Full dossier with evidence for each layer →
Alternatives to Itaú Unibanco

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm65 buyers →Klarna55 buyers →YouLend46 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →Liberis21 buyers →Afterpay16 buyers →
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Ranked #33 of 254 in Lending — Embedded Finance Index 2026
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Itaú Unibanco — frequently asked

Which companies use Itaú Unibanco?

6 companies are linked to Itaú Unibanco in the Embedded Finance Index 2026, through their own public disclosures or Itaú Unibanco's published customer list, including Itau BBA, Iti Itaú, Neon, Rede, Techfin and Itaú Private Bank.

What does Itaú Unibanco do?

Itaú Unibanco is an embedded-finance provider in Lending, BaaS, Card Issuing, FX / Payouts, Payroll, PSP and Sponsor Bank. It ranks #33 of 254 Lending providers by linked companies.

Is Itaú Unibanco a bank?

Itaú Unibanco has applied for a national bank charter for Itaú Bank, National Association with the OCC. Status: conditional approval (2026-08-14).

What are the alternatives to Itaú Unibanco?

The most-named Lending alternatives to Itaú Unibanco are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).

Where is Itaú Unibanco headquartered?

Itaú Unibanco is founded in 2008 and headquartered in São Paulo, Brazil.

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