# Banco BISA (Bolivia) + Movilink

> Source: https://docs.barcoder.ai/docs/wallets/banco-bisa
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Banco BISA — official](https://www.bisa.com/)

## Overview

**Banco BISA** is **Bolivia's commercial bank + leader in digital banking modernization** <sup>[1][1], [2][2], [Bolivia, Plurinational State of report](https://docs.barcoder.ai/docs/payments/BO)</sup>. **Infrastructure**: **66 banking centers + 280 ATMs + call centers + online + mobile banking platforms**.

**Banco BISA digital ecosystem**:
- **e-BISA Móvil+** <sup>[3][3]</sup>: Mobile banking app for inquiries + transactions (balances + movements + product details + transfers between own BISA accounts + Bolivian third-party transfers + accounts of other Bolivian banks + foreign + cash advances from credit cards + issuance of money orders).
- **Movilink digital wallet** <sup>[4][4]</sup>: NFC-based contactless wallet allowing payments without physical card or cash; **uses NFC technology for purchases at POS terminals** + **available for Android devices with NFC enabled**.
- **e-BISA Móvil+ for Microempresas (microenterprises)**: Bolivian SME banking subsidiary product.

**Security features** <sup>[3][3]</sup>: Soft Token + SMS Token for transactions + biometric login (facial recognition or fingerprint) + silent authentication (automatic token generation + validation).

## History

**1963 — Banco BISA founded** <sup>[2][2]</sup> in Bolivia as commercial bank (originally Banco Industrial S.A.).

**1990s-2024 — Mass Bolivian adoption + multi-product banking expansion** <sup>[1][1]</sup>: 66 banking centers + 280 ATMs + call centers + online + mobile banking platforms infrastructure.

**2020s — e-BISA Móvil+ mobile banking app + Movilink digital wallet launch** <sup>[3][3], [4][4]</sup>: NFC-based contactless mobile wallet for Bolivian Android users.

**2024-2025 — Continued Bolivian digital banking modernization** <sup>[1][1]</sup>.

## Ownership & operator

**Operating entity**: **Banco BISA S.A.** (Bolivian commercial bank).

**Regulators**: **ASFI (Autoridad de Supervisión del Sistema Financiero; Bolivian Financial System Supervisory Authority)**.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Banco BISA mobile app (iOS + Android) + e-BISA Móvil+ + Movilink digital wallet (NFC) + Banco BISA cards + 66 banking centers + 280 ATMs + call centers |
| **Identifiers** | Phone + email + card number + Bolivian ID |
| **License** | Bank (Banco BISA full Bolivian banking license) |
| **Sub-products** | Banco BISA Account + Banco BISA Cards (Visa + Mastercard) + e-BISA Móvil+ (mobile banking + SME variant) + Movilink digital wallet (NFC) + Banco BISA Loans + Banco BISA Wealth Management |
| **Movilink distinctive** | NFC-based POS contactless payments (Android NFC-enabled devices) |
| **Security** | Soft Token + SMS Token + biometric (facial recognition + fingerprint) + silent authentication |

## Users & growth

**Baseline** <sup>[1][1]</sup>:
- **Banking centers**: 66
- **ATMs**: 280
- **Channels**: Call centers + online + mobile banking platforms
- **Specific 2025 user numbers**: not publicly disclosed in current sources

## Use cases

Bolivian retail + corporate + SME banking via e-BISA Móvil+ (account inquiries + balances + movements + transfers between BISA accounts + third-party Bolivian + other-bank + foreign accounts + cash advances + money orders); Movilink NFC contactless digital wallet for POS purchases (Bolivian Android NFC-enabled devices); biometric security (facial recognition + fingerprint + silent authentication).

## Implementations & partners

**Operator**: **Banco BISA S.A.**

**Major Bolivian banking competitors**:
- **Banco Mercantil Santa Cruz (BMSC)** — Bolivia's largest commercial bank by assets
- **Banco Nacional de Bolivia (BNB)**
- **Banco Unión** (Bolivian state-owned bank)
- **Banco de Crédito de Bolivia (BCP Bolivia)** — Credicorp Bolivia subsidiary
- **Banco Económico** + **Banco Ganadero** + **Banco Fortaleza** + **Banco Solidario** (Bolivian banking)

**Major Bolivian mobile-payment + wallet competitors**:
- **[Tigo Money (Millicom Latin America)](https://docs.barcoder.ai/docs/wallets/tigo-money)** (Millicom Tigo Group; 5-LATAM-country mobile money including Bolivia primary: BO 3,500+ Tigo Money Points distinctive)
- **PagoMóvil** (Bolivian mobile payments)
- **e-Pagofácil** + **Multipago** (Bolivian payment platforms)

**Regulator**: **ASFI (Bolivian Financial System Supervisory Authority)**.

## Fun facts

- **Banco BISA** — Bolivia's commercial bank since 1963.
- **Infrastructure**: 66 banking centers + 280 ATMs + call centers + online + mobile banking.
- **Movilink digital wallet** — NFC-based contactless wallet for Bolivian Android NFC-enabled devices.
- **e-BISA Móvil+ for Microempresas** — Bolivian SME banking variant.
- **Security**: Soft Token + SMS Token + biometric (facial recognition + fingerprint) + silent authentication.
- **Distinctive Bolivian NFC contactless payments** via Movilink — distinctive Bolivian wallet innovation in NFC-limited LATAM landscape.

## Comparison

| Feature | Banco BISA | [Tigo Money (Millicom Latin America)](https://docs.barcoder.ai/docs/wallets/tigo-money) (BO + 4-LATAM mobile money rival; covered Batch 16) | Banco Mercantil Santa Cruz (BO largest commercial bank by assets) | Banco de Crédito de Bolivia (BCP BO; Credicorp BO subsidiary) | Banco Unión (BO state-owned) |
|---|---|---|---|---|---|
| Operator | **Banco BISA S.A.** | Tigo Money (Millicom International Cellular fintech; NASDAQ: TIGO; Atlas Investissement/Xavier Niel stake) | Banco Mercantil Santa Cruz | Banco de Crédito de Bolivia (Credicorp BO subsidiary) | Banco Unión (Bolivian state-owned) |
| Type | **BO commercial bank + e-BISA Móvil+ + Movilink NFC digital wallet** | 5-LATAM telco-led mobile financial services (GT + SV + HN + BO + PY) | BO largest commercial bank by assets | BO BCP Credicorp Peru affiliate | BO state-owned bank |
| Country | Bolivia | GT + SV + HN + BO + PY | Bolivia | Bolivia | Bolivia |
| Distinctive | **66 banking centers + 280 ATMs; Movilink NFC contactless POS payments (Android NFC-enabled); biometric security; e-BISA Móvil+ for Microempresas SME variant** | BO 3,500+ Tigo Money Points (largest BO cash-in/out network); PY free P2P; Millicom NASDAQ: TIGO parent + Atlas Investissement/Xavier Niel major shareholder; 2025 Visa LATAM financial-inclusion partnership | BO largest commercial bank by assets | Credicorp Peru-affiliated; LATAM Yape + Plin (PE) sister | BO state-owned banking |

## Status

**Active, Bolivia's commercial bank with NFC contactless Movilink digital wallet** <sup>[1][1], [4][4]</sup>:
- **Banco BISA S.A.** since 1963.
- **Infrastructure**: 66 banking centers + 280 ATMs + call centers + online + mobile banking platforms.
- **e-BISA Móvil+ mobile banking + Movilink NFC digital wallet + e-BISA Móvil+ for Microempresas (SME)**.
- **Movilink distinctive** — NFC-based contactless POS payments for Bolivian Android NFC-enabled devices.
- **Security**: Soft Token + SMS Token + biometric + silent authentication.
- **ASFI regulated**.

## Sources

[1]: https://www.bisa.com/home "Banco BISA — official"
[2]: https://en.wikipedia.org/wiki/Banco_BISA "Banco BISA — Wikipedia"
[3]: https://www.bisa.com/e-bisa-m%C3%B3vil+ "e-BISA Móvil+ — Banco BISA"
[4]: https://www.bisa.com/personas/billetera-digital-movilink "Movilink digital wallet — Banco BISA"
[bo-cro]: https://docs.barcoder.ai/docs/payments/BO

- [1] [Banco BISA — official][1]
- [2] [Banco BISA — Wikipedia][2]
- [3] [e-BISA Móvil+ — Banco BISA][3]
- [4] [Movilink digital wallet — Banco BISA][4]
- <sup>[Bolivia, Plurinational State of report](https://docs.barcoder.ai/docs/payments/BO)</sup> In-corpus: `reports/countries/BO-bolivia.md`

## Source

Biography extracted from [banco-bisa.md](https://docs.barcoder.ai/source/wallets/banco-bisa). See `matrix.md` for standards-support matrix if present.