Since September 2025, Colombians can withdraw money without card from any cashier. We tell you everything you need to know.
As of September 2025, withdrawing cash from an ATM in Colombia will be a completely different experience. Users can access your money without the need for a physical card and from any cashier in the country, regardless of which bank it belongs.
This transformation is possible thanks to the new immediate payment system (SPI), known as Bre-Ban initiative led by the Bank of the Republic that promises to change the way Colombians interact with the financial system.
The most outstanding innovation of the system is the possibility of temporary From the bank’s application, which will allow withdrawals without carrying the card. This code can be used in any of the ATMs that are integrated into the system, including those found in remote regions of the country. Servibanca, with its network of more than 2,750 ATMs, will be one of the first entities to adopt this model. Also read: Bre-B, the bet to reduce cash use
How does BRE-B work?
Bre-B will work 24 hours a day, seven days a week, and will allow transfers in a maximum of 20 seconds, with a ceiling of $ 11.5 million per transaction. Each financial entity, however, may define its own limits.
What is an “interoperable key”?
One of the key elements of the new system will be the so -called “interoperable key”, a function that enables the user to choose a unique identification: cell phone number, card, email or aka, to carry out their financial operations. In this way, access to cash becomes more agile, safe and universal.
The implementation of this system represents a commitment to financial inclusion. In many rural areas, where connectivity is limited and the presence of scarce bank offices, this interoperability will facilitate access to money without long displacements or logistic complications. In addition, when dispensing with the physical card, a significant decrease is expected in cases of card cloning fraud. It may interest you: Rotundo of the Vanguardia Real Estate Fair
What are the benefits of BRE-B?
Among the most prominent benefits of BRE-B are the possibility of carrying out withdrawals without card, total interoperability between financial entities, reducing transaction costs, greater safety in operations and service availability at any time of the day.
