Coac Credil review

Updated October 12, 2026 · SumCue Editorial Team

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Our verdict

For households wanting borrowing and protection in one place, Coac Credil brings together loan options with travel features and health, life and gadget insurance supported by phone. It suits people who value everyday money management with easy access to their account.

Key facts

Best for
Households arranging borrowing, cards and everyday cover together
Rate type
Variable↗
Legal entity
Banco del Instituto Ecuatoriano de Seguridad Social↗
Headquarters
Ecuador↗
Founded
1969↗
Support channels
Phone↗
Pricing model
No monthly fee
Features
Travel
Official website
biess.fin.ec

Savings

Headline rate
3.3%↗
Minimum deposit
$20↗
Access terms
24/7 availability, interest credited monthly↗
Monthly fee
$0↗
Account kind
Easy access↗

Personal insurance

Premium from
$7.50↗
Insurance types
Health, Life, Gadget↗
Provider type
Broker↗
Monthly payments
Yes↗

Debit cards

Card type
Debit↗
Card network
Mastercard↗

Credit cards

Card kind
Credit↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Elsewhere
Xfacebook.com

Pros

Pros

  • Pairs debit and credit card options with travel features for daily spending
  • Includes health, life and gadget insurance within one everyday range
  • Offers easy access account handling with support by phone

Ready to try Coac Credil?

Who it suits

  • Households wanting travel features alongside insurance cover
  • People preferring phone help for everyday money questions

Frequently asked questions

Which insurance cover is part of the range?+

Coac Credil includes health, life and gadget cover for different household needs. The selection allows protection for wellbeing, family security and everyday devices together. People can weigh priorities across the three areas before choosing.

What travel features does the range include?+

The range includes travel features designed for journeys and daily routines away from home. They sit beside borrowing options and everyday account handling for simpler planning. Travellers can consider how often they journey and what support they value.

How is account access and support arranged?+

Access follows an easy access model that keeps everyday handling straightforward. Support is available by phone for questions about borrowing and related choices. Households can consider how they like to manage money and seek help.

Which company operates Coac Credil?+

Coac Credil is operated by Banco del Instituto Ecuatoriano de Seguridad Social. (Source, checked September 26, 2026)

Where is Coac Credil based?+

Coac Credil is based in Ecuador. (Source, checked September 26, 2026)

When was Coac Credil founded?+

Coac Credil was founded in 1969. (Source, checked September 26, 2026)

Sources

Compiled from 8 source pages, checked October 13, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Term, Arrangement fee, Credit check, Funding time, Representative example.

Coac Credil

Households arranging borrowing, cards and everyday cover together

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