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BROU review

Updated October 12, 2026 · SumCue Editorial Team

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Our verdict

BROU provides debit cards linked to easy access accounts for everyday spending alongside personal and secured borrowing as a direct lender. BROU supports public and private employees and pensioners with payroll deduction agreements and connects card use to points rewards.

Key facts

Best for
Everyday debit spending with points rewards
Card type
Debit↗
Card network
Mastercard↗
Legal entity
Banco de la Republica Oriental del Uruguay↗
Headquarters
Uruguay↗
Support channels
Phone, Chat, Help-centre↗
Features
Rewards
Official website
brou.com.uy

Loans

Term
12 to 60 months↗
Arrangement fee
0 UYU↗
Credit check
Hard↗
Funding time
Immediate: loans are credited at the moment; same-day approval for loans without payroll deduction↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Public and private employees and pensioners with a payroll-deduction agreement; 6 months' seniority for employees, from month 1 for pensioners; debt must stay under 0.20% of basic bank liability (260,000 UI)↗
Origination fee (%)
0%↗
Loan types
Personal, Secured↗

Savings

Headline rate
0.5% to 1%↗
Minimum deposit
UYU 0↗
Access terms
Immediate availability of funds; unlimited free transfers to BROU accounts via eBROU, available 24 hours a day↗
Account kind
Easy access↗

Credit cards

Rewards type
Points↗
Card kind
Credit↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros

Pros

  • Debit cards linked to easy access accounts for everyday spending
  • Points rewards connected to card use within direct lending relationship

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Who it suits

  • Public and private employees with payroll deduction agreements
  • Pensioners with payroll deduction agreements

How BROU compares

Frequently asked questions

Who can apply for BROU products?+

BROU serves public and private employees alongside pensioners where a payroll deduction agreement supports the relationship. Applicants join under that payroll arrangement and link everyday spending to an easy access account. Eligibility centres on employment or pension status plus the deduction agreement.

What products does BROU cover?+

BROU covers debit cards for everyday spending linked to easy access accounts. It operates as a direct lender for personal and secured borrowing. Points rewards connect card activity with the wider account and borrowing relationship.

How does online account access work?+

BROU provides online access through eBROU for transfers between BROU accounts for everyday management. Funds remain available for everyday use once credited under the easy access structure. Account holders use the same route to follow card activity and rewards.

Which company operates BROU?+

BROU is operated by Banco de la Republica Oriental del Uruguay. (Source, checked September 26, 2026)

Where is BROU based?+

BROU is based in Uruguay. (Source, checked September 26, 2026)

How can I contact BROU support?+

BROU offers support through Phone, Chat, Help-centre. (Source, checked September 26, 2026)

Sources

Compiled from 11 source pages, checked October 13, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.

BROU

Everyday debit spending with points rewards

See alternatives