# Banco Nacional de Costa Rica

> Source: https://docs.barcoder.ai/docs/wallets/banco-nacional-cr
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [BNCR — official](https://www.bncr.fi.cr/)

## Key details

- **Parent:** assets

## Overview

**Banco Nacional de Costa Rica** is **Costa Rican federal commercial bank** + **Costa Rican federal government fully owned** + **Costa Rica's largest commercial bank by assets** <sup>[1][1], [Costa Rica report](https://docs.barcoder.ai/docs/payments/CR)</sup>.

## History

**Oct 9 1914 — Banco Nacional de Costa Rica founded by President Alfredo González Flores as Costa Rican federal commercial bank** distinctive Costa Rican banking heritage.

**2013 — BN Móvil mobile banking app launch**.

## Ownership & operator

**Operating entity**: **Banco Nacional de Costa Rica BNCR** (Costa Rican federal commercial bank; Costa Rican federal government fully owned).

**Major shareholders**: **Government of Costa Rica (Ministry of Finance) fully owned**.

**Regulators**: **SUGEF Costa Rica + BCCR**.

## Technical integration

BN Móvil mobile app (iOS + Android) + bncr.fi.cr online + BNCR branch network across Costa Rica + BNCR Visa + Mastercard cards; CR IBAN + SINPE + SINPE Móvil + SINPE TP.

## Implementations & partners

**Major Costa Rican banking + payments competitors**: [Banco Popular Costa Rica](https://docs.barcoder.ai/docs/wallets/banco-popular-cr) (Banco Popular y de Desarrollo Comunal Costa Rica; Costa Rican federal commercial bank for cooperative + community development) + [BAC Credomatic Costa Rica](https://docs.barcoder.ai/docs/wallets/bac-cr) (BAC Credomatic Costa Rica; BAC Credomatic Central American banking group; Grupo Aval Colombian parent; Central America's largest banking group) + Banco Cathay (Banco Cathay Costa Rica; Costa Rican commercial bank) + Banco Internacional de Costa Rica (Banco Internacional de Costa Rica BICSA; Costa Rican commercial bank; Costa Rican state-owned via Banco Nacional + Banco de Costa Rica JV) + [Davivienda + DaviPlata](https://docs.barcoder.ai/docs/wallets/davivienda) (Davivienda Costa Rica; Colombian Davivienda Costa Rican subsidiary post-2012 HSBC Costa Rica acquisition) + Scotiabank Costa Rica (Scotiabank Costa Rica; Scotiabank Canadian parent subsidiary) + Banco Promerica Costa Rica (Banco Promérica Costa Rica; Promerica Financial Corporation parent) + Banco de Costa Rica (Banco de Costa Rica; Costa Rican federal commercial bank).

**Regulators**: SUGEF Costa Rica + BCCR.

## Status

**Active, Costa Rican federal commercial bank + Costa Rican federal government fully owned + Costa Rica's largest commercial bank by assets** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.bncr.fi.cr/ "BNCR — official"
[2]: https://en.wikipedia.org/wiki/Banco_Nacional_de_Costa_Rica "BNCR — Wikipedia"
[cr-cro]: https://docs.barcoder.ai/docs/payments/CR

- [1] [BNCR — official][1]
- [2] [BNCR — Wikipedia][2]
- <sup>[Costa Rica report](https://docs.barcoder.ai/docs/payments/CR)</sup> In-corpus: `reports/countries/CR-costa-rica.md`

## Source

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