Banco Pichincha review
Updated October 12, 2026 · BorrowCue Editorial Team
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Our verdict
Banco Pichincha is a broad financial provider known for loans, credit cards, investments and savings plans alongside home and business funding. It suits households managing everyday goals in one place with mobile access for daily tasks and agency support across the country for in person help.
Key facts
- Best for
- Households managing borrowing, cards and savings together
- Loan amount
- $300 to $60,000 (Source, checked September 26, 2026)
- Term
- 3 to 60 months (Source, checked September 26, 2026)
- Lender type
- Direct lender (Source, checked September 26, 2026)
- Free early repayment
- Yes (Source, checked September 26, 2026)
- Eligibility
- Must reside in Ecuador and already be a Banco Pichincha customer with an active current or transactional account, since the loan is disbursed to that account; copy of ID required. Online applications need a pre-approved credit offer, an active savings or current account and Banca Movil set up on the phone. Income documents depend on employment status (employees, independent professionals, rentiers, retirees). (Source, checked September 26, 2026)
- Loan types
- Personal (Source, checked September 26, 2026)
- Legal entity
- BANCO PICHINCHA C.A. (Source, checked September 26, 2026)
- Headquarters
- Ecuador (Source, checked September 26, 2026)
- Founded
- 1906 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- pichincha.com
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Offers loans, credit cards, cash advances, investments and savings plans
- Provides home financing paths for houses, land and commercial premises
- Supports business and farm enterprise growth with dedicated borrowing options
- Sends money from a mobile phone to more than nine countries
Cons
- Broad catalogue of borrowing and savings options requires careful review
- Everyday management centres on mobile access with agency visits by schedule
Who it suits
- People seeking loans alongside credit cards and savings
- House buyers interested in houses, land or premises
Who should look elsewhere
- People wanting a single purpose lender without extra products
How Banco Pichincha compares
Where Banco Pichincha is available
- Available
- Ecuador
- Licence in Ecuador
- Superintendencia de Bancos y Seguros del Ecuador, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products does Banco Pichincha provide?+
Banco Pichincha brings together loans, credit cards, cash advances, investments, savings plans and accounts for everyday goals. You can explore borrowing alongside saving and investing paths that support different stages of life. Certified documents for accounts and contracted products help you keep records organised.
Which property needs does the range cover?+
The range includes support for finding houses, land and commercial premises for purchase. You can review financing options designed for a dreamed home with clear steps. Guidance for property search helps you move from exploration toward ownership with greater confidence.
How does Banco Pichincha support business growth?+
Dedicated borrowing supports business growth, farm enterprises and ventures led by women. You can find information shaped to different needs and ambitions across productive activities. A dedicated space encourages businesses led by women that seek momentum and practical direction.
How do mobile access and agencies work?+
You can manage everyday needs without leaving home through mobile access. Requests for loans and cards follow a few guided steps on a mobile phone. Agencies across the country publish visiting hours, and learning resources plus deposit protection information support informed decisions.
Which company operates Banco Pichincha?+
Banco Pichincha is operated by BANCO PICHINCHA C.A.. (Source, checked September 26, 2026)
Where is Banco Pichincha based?+
Banco Pichincha is based in Ecuador. (Source, checked September 26, 2026)
When was Banco Pichincha founded?+
Banco Pichincha was founded in 1906. (Source, checked September 26, 2026)
Sources
- pichincha.com checked September 26, 2026
Backs: Support channels
“Centro de ayuda (soporte.pichincha.com/hc/es-419/) and (02) 2999 999 Banca telefonica”
- pichincha.com/catalogo-conoce-tu-banco checked September 26, 2026
Backs: Founded
- pichincha.com/detalle-producto/personas-prestamo-multipro... checked September 26, 2026
Backs: Loan amount, Eligibility, Free early repayment, Lender type, Loan types, Term
“Plazo de 3 a 60 meses”
- pichincha.com/informacion-legal checked September 26, 2026
Backs: Headquarters, Legal entity
- superbancos.gob.ec/bancos checked September 26, 2026
Backs: Licences
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Arrangement fee, Credit check, Funding time, Representative example.