Inter&Co (INTR) gains Fed and Florida approval to open Miami banking branch

Rhea-AI Filing Summary

Inter&Co, Inc., the Cayman Islands–incorporated parent of Banco Inter S.A., reports that Banco Inter has received formal approval from the U.S. Federal Reserve and the Florida Office of Financial Regulation to establish an international banking branch in Miami, Florida. The new U.S. branch is expected to help Banco Inter pursue a more efficient funding mix, lower servicing costs, improve the user experience, and speed up time-to-market for new products. This milestone is presented as a key step in expanding Inter&Co’s financial services for both individual and business clients in the United States and strengthening its global presence.

Positive

• Banco Inter, controlled by Inter&Co, received approvals from the U.S. Federal Reserve and Florida Office of Financial Regulation to open an international banking branch in Miami, enabling expansion of services to U.S. individual and business clients.

Negative

• None.

Insights

Banking sector and regulatory strategy analyst

Regulatory approval enables Banco Inter to open a Miami branch and deepen its U.S. presence.

Banco Inter, part of Inter&Co, Inc., has obtained approval from the U.S. Federal Reserve and the Florida Office of Financial Regulation to establish an international banking branch in Miami, Florida. This authorization lets the bank operate a U.S. branch within the U.S. regulatory framework.

The company highlights that the Miami branch authorization will allow it to pursue a more efficient funding mix, reduce servicing costs, enhance user experience, and accelerate time-to-market for new products. Management also frames this as reinforcing Inter’s role in the international financial system and supporting its ambition to be a global platform.

From an investor perspective, the key point is that Banco Inter can now expand its financial services in the U.S. for individual and business clients, potentially increasing its international reach. The actual financial impact will depend on how quickly and effectively the Miami branch scales activity following this January 16, 2026 approval milestone.

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United States Securities and Exchange Commission

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of December 2025

Commission File Number 132-02847

INTER & Co, INC.

(Exact name of registrant as specified in its charter)

N/A

(Translation of Registrant’s executive offices)

Maples Corporate Services Limited, PO Box 309, Ugland House,

Grand Cayman, KY1-1104, Cayman Islands.

(Address of registered executive offices)

Av Barbacena, 1,219, 22nd Floor

Belo Horizonte, Brazil, ZIP Code 30 190-131

(Address of principal executive office)

Telephone: +55 (31) 2138-7978

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒ Form 40-F ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):

Yes ☐ No ☒

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

Yes ☐ No ☒

EXHIBIT INDEX

Exhibit No.						Description of Exhibit
99.1						US Branch

1

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

			INTER & Co, INC.
			By:			/s/ Rafaela de Oliveira Vitoria
						Name:			Rafaela de Oliveira Vitoria
						Title:			Head of Investor Relations

Date: January 16, 2026

INTER&CO, INC. BANCO INTER GAINS FEDERAL RESERVE APPROVAL TO ESTABLISH U.S. BANKING BRANCH INTER&CO, INC. (Nasdaq: INTR and B3: INBR32) ("Inter&Co” or "Company”) hereby announces that Banco Inter S.A. (“Banco Inter”) has received approval from the Federal Reserve (“FED”) and the Florida Office of Financial RegulaVon (“OFR”) to establish an internaVonal banking branch in Miami, Florida. The authorizaVon will allow Banco Inter to opVmize its global franchise with a more efficient funding mix, reduced servicing costs, enhanced user experience, and faster Vme-to-market for new products. This milestone approval allows Inter to expand its financial services in the U.S. for both individual and business clients, strengthening its global presence. According to João Vitor Menin, Global CEO, “The U.S. branch reinforces our posiVon in the internaVonal financial system and supports our ambiVon to become a global pla`orm.” Belo Horizonte, January 16th, 2026. RAFAELA DE OLIVEIRA VITÓRIA Head of Investor RelaVons

FAQ

What did Inter&Co (INTR) announce in this Form 6-K?

Inter&Co, Inc. announced that its subsidiary Banco Inter S.A. received approval from the U.S. Federal Reserve and the Florida Office of Financial Regulation to establish an international banking branch in Miami, Florida.

How will the new U.S. branch benefit Inter&Co and Banco Inter?

The company states that the Miami international banking branch will help Banco Inter achieve a more efficient funding mix, reduce servicing costs, improve user experience, and accelerate time-to-market for new products.

Which regulators approved Banco Inter’s new Miami branch?

Banco Inter received approval from the U.S. Federal Reserve and the Florida Office of Financial Regulation to establish an international banking branch in Miami.

What strategic goal does the Miami branch support for Inter&Co (INTR)?

Management indicates that the U.S. branch reinforces Inter’s position in the international financial system and supports its ambition to become a global financial platform.

Which clients will Inter&Co and Banco Inter target with the U.S. branch?

The company states that the new Miami branch will allow it to expand financial services in the U.S. for both individual and business clients.

Who signed the Inter&Co Form 6-K related to the U.S. branch approval?

The Form 6-K was signed on behalf of Inter&Co, Inc. by Rafaela de Oliveira Vitória, identified as Head of Investor Relations.