About
SINPE Móvil is Costa Rica's phone-number payment service, run by the Banco Central de Costa Rica (BCCR) on its national SINPE interbank system since 2015. Customers link a mobile number to one account at their financial institution, then pay any other linked number through their bank's app, online banking, SMS or ATMs, and the funds settle in real time. Because it is a central-bank rail rather than a private wallet, it works across institutions, and about 80% of Costa Ricans over 15 used it as of December 2024. BCCR data show 747 million transactions worth ₡12.5 trillion in 2025 and 4.6 million active subscriptions in March 2026.
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