Bre-B isn't just a pay rail. Cobre makes it a complete operational solution for the B2B ecosystem.
Upload a file or automate local mass payouts in seconds—no matter the recipient’s financial institution.
Send instant payments to beneficiaries anywhere in the country, even if they don’t have a traditional bank account. Bre-B keys like ID or phone are all you need.
Settle with drivers or partners daily or on-demand—fast, smooth, and trackable.
Get paid via interoperable keys —no account numbers, no delays, and full visibility of incoming funds in seconds.
Bre-B is Colombia’s new instant payment system that enables real-time transfers between bank accounts, regardless of the originating or receiving bank.
• Uses unique identifiers (keys) instead of account numbers to route payments to the correct recipient and account.
• Designed to facilitate both person-to-person (P2P) and person-to-merchant (P2M) payments seamlessly.
It’s an identifier—like your phone number, ID, or email—that replaces the account number to send or receive money. With Cobre, you can use Bre-B keys to pay or collect seamlessly and in seconds, no matter the bank or wallet on the other end.
Immediate transfers have a limit of approximately COP $11 million per transaction. You can make multiple transfers per day, but each one must stay within that limit, as defined by the Banco de la República.
Not exactly. Bre-B is a more modern, faster, and 24/7 available alternative—ideal for immediate payments. ACH is still useful for larger or scheduled transactions, but Bre-B is designed to make everyday payments more efficient.
It works both ways. You can use Cobre to send instant payments and also receive money from any wallet or bank, thanks to interoperable Bre-B keys or QR codes. Everything settles in real time with full traceability.
You can use Bre-B directly from the portal without any technical development. If you prefer to automate your payments and collections, you can also integrate via API. Both options are available depending on your company’s level of sophistication.
