San José Digital Bank — Compare Providers in San José

Before you sign up

Costa Rica issues IBANs with the country code CR followed by 20 characters, a 22-character total in which the two check digits are followed by the bank code and the account number; banks also use the local bank-account number and SINPE-linked identifiers (such as the mobile number or ID number) for everyday transfers. Confirm the provider is authorised by Banco Central de Costa Rica (BCCR) with banking supervision by SUGEF or passported into Costa Rica.

Before you sign up

Banks and financial entities must be authorised and supervised by the Superintendencia General de Entidades Financieras (SUGEF), while the Banco Central de Costa Rica regulates the national payment systems and registers payment service providers, including operators of SINPE-connected services. Confirm the provider's SUGEF authorisation or BCCR registration before holding colón balances with it. Ask what company documents the provider needs for a business registered in Costa Rica.

Before you sign up

The Banco Central de Costa Rica operates the Sistema Nacional de Pagos Electrónicos (SINPE), whose SINPE Móvil service moves funds instantly between bank accounts keyed to a mobile phone number and is the dominant everyday person-to-person rail, the RTGS handles high-value settlement through the national banking system, and the regulated banking sector also serves US-dollar accounts given the economy's close US ties.

Before you sign up

Check which currencies you can receive, the conversion fee to CRC (Costa Rican colón), and the withdrawal fee to a local account in Costa Rica.

Before you sign up

Check whether the platform is registered with Banco Central de Costa Rica (BCCR) with banking supervision by SUGEF or another authority that oversees crypto in Costa Rica. Crypto is volatile and is usually not covered by deposit protection.