Inter Pays Up to R$40 Per Referral as Bank Opens Program to Businesses

Inter now pays up to 2,000 Loop points — the equivalent of R$40 in cashback or investments — for a single accepted referral under its expanded Indique e Ganhe program. Since November 2026, individual customers (PF) can refer companies and sole proprietors (MEI, the Brazilian micro-enterpreneur regime), while business customers (PJ) and MEIs can invite individuals into the bank's ecosystem, Inter announced. The change is live in the bank's Super App.

The reward flows both ways. The person or company that opens an account through a shared referral code also receives benefits upon joining Inter. Referral codes are generated automatically and contain no sensitive customer data, according to the bank.

What does the expansion change?

Previously, account type constrained who could send invitations. Now a personal account holder can share a code with friends, family members, work colleagues, companies and MEIs alike. Business customers gain the mirror-image freedom: entrepreneurs can invite their clients, suppliers, commercial partners and personal contacts, converting everyday business connections into redeemable points.

Priscila Salles, Inter's director of Clients, framed the move as a bet on customer advocacy. "Nossos clientes são também nossos maiores promotores. Quanto melhor a experiência que entregamos, maior a disposição de recomendar o Inter. Queremos fortalecer esse ciclo, valorizando a confiança de quem nos recomenda e criando novas oportunidades para que mais pessoas e empresas façam parte do nosso ecossistema", she said.

The bank did not disclose the total budget for the program, the cap on referrals per customer, or conversion rates for new account segments — figures that would show whether the R$40 headline value is typical or a ceiling. Rewards are paid in Loop points, Inter's loyalty currency, and vary according to the profile of the referred account and current program conditions. That variance is disclosed, but not quantified, in the announcement.

How do customers take part?

The mechanics are conventional for referral marketing:

• Open the "Indique e Ganhe" area in the Inter Super App
• Copy the personal referral code and share it
• Points credit automatically after the new account opens and is approved, provided program conditions are met
• Accrued balances can be redeemed inside the Super App for cashback, investments or discounts, under each option's rules

Participants must meet the requirements and deadlines set out in the Indique e Ganhe and Loop regulations. Updated rewards and conditions are available in the app and on the official program page at inter.co/indique-e-ganhe. Interested individuals can join via Inter's shared link, while companies and MEIs have a separate enterprise registration address.

Why merge retail and business referral streams?

Salles tied the change to Inter's single-ecosystem strategy. "Nosso objetivo é tornar o Inter cada vez mais presente na vida financeira dos nossos clientes, sejam pessoas ou empresas. Ao conectar esses dois universos, ampliamos as oportunidades de relacionamento e reforçamos uma das nossas maiores fortalezas: um ecossistema completo, capaz de atender diferentes necessidades em um único lugar", she said.

The referral program effectively turns each account holder's personal and professional network into an acquisition channel — at a fixed, self-liquidating cost to the bank of up to R$40 per converted referral. Whether that economics holds at scale will depend on the undisclosed redemption and retention figures behind the program.