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BancoSol productos digitales review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BancoSol productos digitales suits existing BancoSol customers in Bolivia who want a personal loan and a savings account from the same bank. The digital consumer credit runs at an APR of 28.5% with free early repayment, while the savings side carries no monthly fee and pays 3.5% at a variable rate.

Key facts

Best for
Existing BancoSol customers who want a personal loan and a fee free savings account in one place.
APR
28.5%↗
Loan amount
$10,000↗
Term
24 months↗
Credit check
Hard↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Existing BancoSol customers, dependent and independent, with a good financial history; 18+ with valid national ID for account opening↗
Loan types
Personal↗
Credit needed
Excellent↗
Legal entity
Banco Solidario S.A.↗
Headquarters
Bolivia↗
Founded
1986↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
No monthly fee
Official website
bancosol.com.bo

Savings

Headline rate
3.5%↗
Minimum deposit
BOB 0↗
Access terms
Withdraw at any time with no restrictions through any channel; transactions in branch channels move the rate to the Cuenta Clasica tariff until month end↗
Monthly fee
BOB 0↗
Account kind
Easy access↗

Personal insurance

Premium from
BOB 7.70↗
Insurance types
Life↗
Monthly payments
Yes↗
Cover limit
Bs 14,000 death by any cause (Sol Vida)↗
Age range
Entry age 18 to 64 years 364 days; maximum staying age 69 years 364 days↗

Debit cards

Card type
Debit↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInyoutube.com

Pros and cons

Pros

  • The savings account pays 3.5% at a variable rate, with no minimum deposit and no monthly fee.
  • Withdrawals carry no restrictions at any time through any channel, and the account is easy access.
  • Life cover starts at BOB 7.70 with monthly payments available and a death benefit of Bs 14,000 death by any cause (Sol Vida).

Cons

  • A hard credit check runs on the application and the lender looks for excellent credit.
  • Eligibility rests on being an existing customer with a good financial history, so a first time borrower does not qualify.
  • Branch transactions move the savings account to the Cuenta Clasica tariff until month end, so a cash visit can cost you the rate.
BancoSol productos digitales

Ready to try BancoSol productos digitales?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Existing BancoSol customers in Bolivia who want borrowing and saving arranged through one institution.
  • Savers who value a variable rate, no minimum deposit and withdrawals without restrictions.
  • Borrowers who can clear the 24 term early, since early repayment is free.

Who should look elsewhere

  • Sofkredit, where the APR is 10.74% to 18.06% against 28.5% here.
  • Creduma ES, for larger sums, since its borrowing starts at from €12,000.
  • Cashspace, whose APR runs PHP 12 to PHP 36, where a rate range is published rather than a single figure.

Where it sits among rivals

On loan amount the lender ranks 111 of 665 brands compared here, which compares well with its other two rankings. The APR places it 271 of 338, and the loan term sits 145 of 226. Loan size is the competitive side of the package; the rate is not.

Who runs it

The lender is Banco Solidario S.A., based in Bolivia and running since 1986. It is supervised in Bolivia by ASFI, the financial system authority. Support runs on phone, chat and help centre. Borrowers reach the same institution behind the savings account, the digital consumer credit and the life insurance sold under the same brand.

How BancoSol productos digitales compares

Where BancoSol productos digitales is available

Available
Bolivia
Licence in Bolivia
ASFI (Autoridad de Supervision del Sistema Financiero), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to borrow and to keep an account?+

The digital consumer credit runs at an APR of 28.5% and early repayment is free, so clearing the 24 loan early adds no charge. The savings account has no monthly fee and no minimum deposit, and pays 3.5% at a variable rate. Life cover starts at BOB 7.70 with monthly payments available.

Who regulates this lender and where is it based?+

The lender is Banco Solidario S.A., based in Bolivia and running since 1986. Bolivia's financial system authority is ASFI. The savings account and the digital consumer credit both come from the same bank, so the money side and the borrowing side sit with one institution.

Can I withdraw from the savings account whenever I want?+

The account is an easy access savings account paying 3.5% at a variable rate. Withdrawals carry no restrictions and can be made at any time through any channel. One term to know: transactions made in branch channels move the account to the Cuenta Clasica tariff until month end, so a branch transaction can change the rate for the rest of the month.

Who can apply for the digital consumer credit?+

The loan is for existing BancoSol customers, dependent or independent, with a good financial history. Opening an account needs a minimum age and a valid national ID. The application runs a hard credit check and the lender looks for excellent credit, so a thin credit file is unlikely to be accepted.

How much can I borrow and over what term?+

The digital consumer credit runs to $10,000 over 24, and the bank lends directly rather than through a broker. It is a personal loan, and the same digital range sits next to an easy access savings account. Early repayment is free, so a shorter plan carries less interest.

What life cover comes with the bank?+

The bank also sells life cover called Sol Vida, with premiums from BOB 7.70 and monthly payments available. The death benefit is Bs 14,000 death by any cause (Sol Vida). Entry age runs from a minimum age to a maximum staying age, so cover has to be set up early and stops in later life.

Which market does this lender serve?+

The bank is based in Bolivia, and its products are built for residents of that market, with a valid national ID needed for account opening. The savings account and the digital consumer credit are both aimed at existing customers of the same institution rather than at applicants from other countries.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Funding time, Representative example.

BancoSol productos digitales

BancoSol productos digitales

Existing BancoSol customers who want a personal loan and a fee free savings account in one place.

9.3/10See alternatives