Credomatic, the group's credit card brand, became the first credit card issuer in Central America in the early 1970’s. Today we hold licenses for MasterCard, Visa, American Express, Diners Club and JCB. By committing to financial product and service development, combined with state-of-the-art technological resources and the quality of our equipment, the group has achieved a leading position in the Central American financial market. BAC|Credomatic Network strives to create superior value for its customers through a wide range of personal and corporate credit card services.

Credomatic has grown to become the largest merchant acquirer in the region. We offer a wide range of quality products and services, including processing, point-of-sale equipment leasing and sales, authorized card settlements, and debit card acquiring.

BAC began operations in the region over half a century ago in Nicaragua. The BAC Network includes BAC Guatemala, Banco de América Central (El Salvador), BAC Honduras, BAC Nicaragua, BAC San José (Costa Rica) and BAC Panama. We continue to develop specific products and services for Central American customers by integrating regional functionality into products for both companies and consumers.

Salary Advances are an innovative personal loan system that allows customers receiving salary through BAC to get a predetermined portion of their salary in advance.

For convenience, Americheck allows customers to cash a check at any of the BAC Financial Network banks, regardless of its location in Central America.

Regional online transfers can be executed in real time using BAC's online banking system or our easy-to-use interactive voice response system.

We offer financing for new vehicles of the most renowned brands in the market.

BAC offers consumers a range of quality financial products to manage their personal investments and accounts.

Our debit cardholders include customers whose employers manage their payrolls through BAC and customers who manage their funds and investments with the bank.

Due to the importance of remittances in the Central American market, BAC has created a service platform for customers to send and receive funds to and from other countries.

BAC investment funds guarantee a competitive return to our customers in one of the safest regional institutions.

BAC offers flexible and innovative credit systems designed for middle-class families with terms of up to 15 years and highly competitive interest rates.