# Banco do Brasil (BB App)

> Source: https://docs.barcoder.ai/docs/wallets/banco-do-brasil
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Banco do Brasil — official](https://www.bb.com.br/)

## Overview

**Banco do Brasil (BB)** is **one of the largest banks in Latin America** + **serves 70M+ people across Brazil + 17+ other countries** + **200+ years in Brazilians' lives** <sup>[1][1], [2][2], [Brazil report](https://docs.barcoder.ai/docs/payments/BR)</sup>. **BB App** = Brazil state-owned bank's flagship mobile app.

**Distinctive BB context** <sup>[1][1]</sup>:
- **One of the largest banks in the Americas**
- **200+ years presence in Brazilian lives** — Brazil's oldest bank (founded 1808)
- **Serves 70M+ people** across mobile apps + websites + call centers + email + SMS + social media + in-person

**Recent BB innovations** <sup>[2][2], [3][3]</sup>:
- **January 2025**: First BR bank with **font personalization throughout entire app** + increased shortcuts in touch area on home screen (PCD = People with Disabilities accessibility)
- **2025 WhatsApp integration**: Rollout to 34,000 employees + enable **11M+ monthly customer interactions** via WhatsApp
- **Central de Renegociações**: New debt-renegotiation feature with flexible payment plans

## History

**October 12, 1808 — Banco do Brasil founded** by Prince Regent João VI — Brazil's oldest bank (200+ years).

**1800s-1900s — Brazilian state-bank dominance** — banking sector backbone.

**1990s-2025 — Mass digital banking transformation** <sup>[2][2]</sup>: BB App becomes flagship channel.

**November 2020 — Pix launches** (BCB national instant payment) — BB app facilitates Pix transfers.

**January 2025 — First BR bank with full font personalization** <sup>[3][3]</sup> (PCD accessibility).

**2025 — WhatsApp integration rollout to 34K employees + 11M+ monthly customer interactions via WhatsApp** <sup>[2][2]</sup>.

## Ownership & operator

**Operating entity**: **Banco do Brasil S.A.** (B3: BBAS3).

**Major shareholders**: **União Federal (Brazilian Federal Government; majority shareholder)** + **PREVI (Banco do Brasil employees' pension fund)** + **B3 public float**.

**Regulators**: **BCB (Banco Central do Brasil)**.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | BB App (iOS + Android) + BB Online + WhatsApp integration (34K employees + 11M+ monthly interactions) + BB cards + BB extensive branch network + BB ATMs |
| **Identifiers** | Phone + email + card number + CPF |
| **BR rail** | **[Pix](https://docs.barcoder.ai/docs/standards/pix)** (BCB Pix national instant payment) |
| **License** | Bank (Banco do Brasil full Brazilian banking license; BR oldest bank since 1808) |
| **Sub-products** | BB Account + BB Cards + BB Crédito + BB Investimentos + BB Seguros + BB Asset Management + BB Capital + BB Private + BB Americas (US) + BB Estilo (premium retail) |
| **Distinctive PCD accessibility (Jan 2025 first BR)**: Font personalization + touch-area shortcuts |
| **WhatsApp integration**: 34K employees + 11M+ monthly customer interactions |

## Users & growth

**2025 baseline** <sup>[1][1], [2][2]</sup>:
- **70M+ Brazilians served** across mobile apps + websites + call centers + email + SMS + social media + in-person
- **One of the largest banks in the Americas**
- **200+ years presence in Brazil**
- **Jan 2025**: First BR bank with full font personalization (PCD accessibility)
- **2025 WhatsApp integration**: 34K employees rollout + 11M+ monthly customer interactions

## Use cases

Brazilian + multi-country retail + corporate + government banking via BB App + WhatsApp + branches + ATMs; Pix instant transfers; BB Cards + Crédito + Investimentos + Seguros + Asset Management + Capital + Private; BB Americas (US); BB Estilo (premium retail); state-owned bank role in government disbursements + payroll + agribusiness.

## Implementations & partners

**Operator**: **Banco do Brasil S.A.** (B3: BBAS3; Brazilian Federal Government majority + PREVI + B3 float).

**Major Brazilian banking competitors**:
- **[Itau Unibanco](https://docs.barcoder.ai/docs/wallets/banco-itau)** (Itaú Unibanco; BR's largest private bank + LatAm's largest by market value; ~60M customers worldwide; Nov 2025 R$460B ~ US$82B market cap)
- **[Caixa Tem (Caixa Econômica Federal)](https://docs.barcoder.ai/docs/wallets/caixa-tem)** (Caixa Econômica Federal; state-owned bank; 40M+ Caixa Tem active users; low-income social inclusion)
- **[Bradesco (Banco Bradesco)](https://docs.barcoder.ai/docs/wallets/bradesco)** + **Santander Brasil** (BR Big-5 banks)
- **[Nubank](https://docs.barcoder.ai/docs/wallets/nubank)** (NU Holdings; LatAm largest digital bank; 110M+ customers)
- **[PagBank / PagSeguro Digital](https://docs.barcoder.ai/docs/wallets/pagbank)** (Batch 28 covered; PagSeguro)
- **[Mercado Pago](https://docs.barcoder.ai/docs/wallets/mercado-pago)** (Mercado Pago BR; LatAm e-commerce leader)
- **[Stone / StoneCo](https://docs.barcoder.ai/docs/wallets/stone)** (Batch 28 covered; Brazilian fintech)

**Tech partner**: **NiCE** (BB uses NiCE CXone to connect 10,000 employees across hundreds of offices for omnichannel customer engagement).

**Regulator**: **BCB**.

## Fun facts

- **Brazil's oldest bank** — founded October 12, 1808 by Prince Regent João VI (200+ years).
- **One of the largest banks in the Americas**.
- **70M+ Brazilians served** across mobile apps + websites + call centers + email + SMS + social media + in-person.
- **January 2025**: First BR bank with **full font personalization throughout entire app** (PCD accessibility leadership).
- **2025 WhatsApp integration**: 34K employees rollout + **11M+ monthly customer interactions** via WhatsApp.
- **Brazilian Federal Government majority shareholder** — state-owned bank.
- **Multi-country**: BR + 17+ countries (US + AR + PY + UY + CL + PE + BO + JP + GB + DE + CH + AT + FR + PT + ES + AE).
- **BB Americas (US)** subsidiary — distinctive BR-state-bank US presence.

## Comparison

| Feature | Banco do Brasil | [Itau Unibanco](https://docs.barcoder.ai/docs/wallets/banco-itau) (BR largest private bank rival) | [Caixa Tem (Caixa Econômica Federal)](https://docs.barcoder.ai/docs/wallets/caixa-tem) (Caixa state-bank social-inclusion fellow state-bank) | [Nubank](https://docs.barcoder.ai/docs/wallets/nubank) (LatAm largest digital bank rival) | [Bradesco (Banco Bradesco)](https://docs.barcoder.ai/docs/wallets/bradesco) (BR Big-5 private bank rival) |
|---|---|---|---|---|---|
| Operator | **Banco do Brasil S.A. (B3: BBAS3; Brazilian Federal Government majority + PREVI + B3 float)** | Itaú Unibanco Holding S.A. (B3: ITUB4; NYSE: ITUB; IUPAR + Itaúsa + Moreira Salles + B3 float) | Caixa Econômica Federal (Brazilian state-owned) | NU Holdings (NYSE: NU) | Bradesco (B3: BBDC3) |
| Type | **BR state-owned bank serving 70M+ + 200+ years presence + multi-country (17+ countries)** | Brazil's largest private bank + LatAm's largest by market value + Itaú App superapp | Caixa Tem state-bank app for social benefits + low-income Brazilian inclusion | LatAm largest digital bank | Bradesco BR Big-5 private bank |
| Country | BR + 17+ countries | BR + 11 other countries | Brazil | BR + MX + CO | Brazil |
| Users | **70M+ Brazilians served** | ~60M customers worldwide; ~2,700 branches/service points | 40M+ active users | 110M+ customers | Major BR |
| Distinctive | **1808 founding by Prince Regent João VI (BR oldest bank; 200+ years); Jan 2025 first BR bank with full font personalization (PCD accessibility); 2025 WhatsApp integration 34K employees + 11M+ monthly customer interactions; state-owned Federal Government majority; BB Americas US subsidiary** | 1924 centennial 2024; Itaú + Unibanco 2008 merger; IUPAR + Itaúsa + Moreira Salles family dual-family controlling; Nov 2025 R$460B (US$82B) market cap; Iti digital bank for unbanked | State-owned Caixa Tem app for Bolsa Família + Pix + social benefits; 40M+ active low-income Brazilian inclusion | LatAm largest digital bank | BR Big-5 bank |

## Status

**Active, one of largest banks in Americas + 200+ years presence + state-owned Brazilian banking giant** <sup>[1][1], [2][2]</sup>:
- **Banco do Brasil S.A. (B3: BBAS3)** since October 12, 1808 (Prince Regent João VI founding).
- **70M+ Brazilians served**.
- **Multi-country**: BR + 17+ countries.
- **Jan 2025**: First BR bank with full font personalization (PCD accessibility leadership).
- **2025 WhatsApp integration**: 34K employees + 11M+ monthly customer interactions.
- **Brazilian Federal Government majority shareholder**.
- **BCB regulated**.

## Sources

[1]: https://www.bb.com.br/ "Banco do Brasil — official"
[2]: https://www.nice.com/resources/banco-do-brasil-uses-nice-cxone-to-connect-10000-employees-across-hundreds-of-offices "Banco do Brasil Uses NiCE CXone to Connect 10,000 Employees — NiCE"
[3]: https://agenciabrasil.ebc.com.br/geral/noticia/2025-01/banco-do-brasil-lanca-funcionalidades-para-pcd-em-aplicativo "Banco do Brasil PCD app accessibility Jan 2025 — Agência Brasil"
[4]: https://apps.apple.com/br/app/bb-banco-cart%C3%A3o-cr%C3%A9dito/id330984271 "BB App — App Store"
[br-cro]: https://docs.barcoder.ai/docs/payments/BR

- [1] [Banco do Brasil — official][1]
- [2] [Banco do Brasil + NiCE CXone connecting 10K employees omnichannel][2]
- [3] [Banco do Brasil PCD app accessibility Jan 2025 — Agência Brasil][3]
- [4] [BB App — App Store][4]
- <sup>[Brazil report](https://docs.barcoder.ai/docs/payments/BR)</sup> In-corpus: `reports/countries/BR-brazil.md`

## Source

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