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In 2025, the Colombian financial system is undergoing an unprecedented transformation. The arrival of instant payment platforms such as Transfiya, Redeban and the upcoming implementation of Bre-B by Banco de la República, are changing the rules of the game in terms of how, when and with what level of security money can be moved between individuals and entities.
This article provides a comprehensive analysis on the current state of immediate payments in Colombia and its impact for those leading financial processes in cooperatives, banks, fintechs and companies that provide credit products.
An immediate payments system allows electronic transfers to be made in real time, securely and without hourly interruptions (they operate 24/7). For financial institutions, this represents:
This will be the country's official immediate payments system, operated directly by the Central Bank. Its objective is to guarantee universal interoperability and reduce dependence on private intermediaries.
Technical characteristics:
Its implementation will position Colombia on a par with systems such as PIX in Brazil or CoDi in Mexico. Entities that are not ready for Bre-B could lose competitiveness in their digital service.
This pioneering system allows sending, receiving and requesting money using only the cell phone number. It is free for users and compatible with more than 25 entities.
Key indicators:
Challenges:
Some reports of lost funds and perceived vulnerabilities in the end-user experience.
Redeban has developed its own immediate payment network based on digital identifiers, integrating with popular banking apps.
Where it works:
Throughout 2025, the country's leading banks and cooperatives have begun adapting their internal systems to connect with Bre-B and improve the digital payments experience. Here's a quick look:
| 🏦 Entity | 🧠 Active System | 🔄 Preparation for Bre-B | 🧩 Differential |
|---|---|---|---|
| Bancolombia | Tus Llaves | ✅ | Instant transfers at no cost |
| Davivienda/Daviplata | Interoperable keys | ✅ | Direct links to Nequi and other banks |
| Nequi | Suggested user | ✅ | Simplified UX with personalized aliases |
| Banco de Bogotá | Tag Aval | ✅ | Grupo Aval coverage + interoperability |
| Banco Caja Social | App with biometrics | ✅ | High security for digital users |
| Bancamía | QR interoperable | ✅ | Ideal for rural areas and mobility |
| Nu Colombia | Redeban | ✅ | Speed + full digitization |
The advance in immediate payments is not only a technological change, but a new expectation of the Colombian financial user.
The evolution of immediate payments redefines how money moves in Colombia. And the future is no longer optional: the entities that adapt with agility, technology and strategic vision are the ones that will make the difference.
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