Inter&Co wins license for Miami U.S. branch

Inter&Co announced that its subsidiary Banco Inter S.A. has received a license from the Florida Office of Financial Regulation to launch and operate a state-licensed branch in Miami.

Rhea-AI Filing Summary

Inter&Co announced that its subsidiary Banco Inter S.A. has received a license from the Florida Office of Financial Regulation to launch and operate a state-licensed branch in Miami. This follows prior approvals from the Federal Reserve and Florida regulators to establish the branch.

The new U.S. branch will issue its own credit and debit cards and offer regulated credit products directly, rather than relying on third‑party sponsor banks. The company plans to migrate its 5.5 million existing global account clients to this structure to improve its funding mix, lower servicing costs, and support its next phase of international growth.

Positive

• Strategic U.S. expansion enabled: Banco Inter obtained a Florida state license for its Miami branch, allowing direct issuance of cards and regulated credit products and supporting migration of 5.5 million global account clients to a potentially more efficient funding and servicing structure.

Negative

• None.

Insights

Banking sector strategist

Inter&Co secures key U.S. license, enabling direct banking operations in Miami.

Banco Inter now holds a Florida state license for its Miami branch, building on earlier Federal Reserve and Florida approvals. This moves its cross-border business from a partner-bank model toward a fully licensed presence in the U.S.

The branch can directly issue credit and debit cards and provide regulated credit products, eliminating dependence on sponsor banks. This may enhance control over pricing, risk management and customer experience, subject to U.S. regulatory and compliance demands.

The plan to migrate 5.5 million global account clients to the new structure signals a sizable shift in Inter&Co’s international operations. Actual financial impact will depend on how quickly clients transition and how effectively the bank manages funding costs and credit performance under the new model.

Key Figures

Global account clients: 5.5 million clients

1 metrics

Global account clients 5.5 million clients Planned migration to new U.S. branch structure

Key Terms

state-licensed branch, Florida Office of Financial Regulation, regulated credit products, global account clients

4 terms

state-licensed branch regulatory

"license from the Florida Office of Financial Regulation to launch and operate its state-licensed branch in Miami"

A state-licensed branch is a physical location or office that has received official permission from a state government to provide regulated goods or services, such as banking, healthcare, pharmacies, or cannabis sales. For investors, a state license signals that the location meets local legal and safety rules, which can affect revenue, growth plans and legal risk — think of it like a driver’s license that lets a particular outlet legally operate and helps protect the company’s ability to earn and expand.

Florida Office of Financial Regulation regulatory

"obtained the license from the Florida Office of Financial Regulation to launch and operate its state-licensed branch"

A state government agency that oversees banks, credit unions, insurance, securities dealers and other financial services operating in Florida; it enforces licensing, consumer protection rules and safety standards to reduce fraud and financial instability. For investors, its actions—such as licensing decisions, enforcement actions or rule changes—affect which firms can operate, the safety of customer funds and the regulatory risk that can influence company valuations, similar to a referee keeping a game fair and orderly.

regulated credit products financial

"offer regulated credit products without relying on third-party sponsor banks"

global account clients financial

"The Company intends to migrate its 5.5 million existing global account clients to this new structure"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Inter&Co (INTR) announce regarding its U.S. operations?

Inter&Co announced that Banco Inter S.A. received a license from the Florida Office of Financial Regulation to launch and operate a state-licensed branch in Miami, enabling direct banking services, including cards and credit products, in the U.S. market.

How will the new Miami U.S. branch affect Inter&Co (INTR) customers?

The Miami branch will allow Banco Inter to serve customers directly in the U.S., issuing its own credit and debit cards and offering regulated credit products. Inter&Co plans to migrate 5.5 million existing global account clients to this new structure over time.

What approvals did Banco Inter receive before the U.S. branch license?

Before the license, Banco Inter obtained approvals from the Federal Reserve Board of Governors and the Florida Office of Financial Regulation to establish the U.S. branch. The newly issued license authorizes the branch to commence operations in Miami, Florida.

Why is Inter&Co (INTR) migrating 5.5 million global account clients?

Inter&Co intends to migrate 5.5 million global account clients to the new U.S. branch structure to optimize its funding mix, lower servicing costs, and support its next phase of international growth by relying less on third-party sponsor banks.

What products will Banco Inter’s U.S. branch in Miami offer?

Banco Inter’s Miami branch will directly issue its own credit and debit cards and provide regulated credit products. This shifts operations away from using third-party sponsor banks, giving the institution more direct control over product delivery and regulatory compliance.

Where will Banco Inter’s new U.S. branch be located?

The new U.S. branch will be located in Miami, Florida. It will operate as a state-licensed branch under approval from the Florida Office of Financial Regulation, expanding Inter&Co’s physical presence and operational footprint outside Brazil.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 6-K: How Foreign Companies Report to the SEC →

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Accepted by SEC EDGAR 06/05/2026 - 04:01 PM Learn about SEC filing dates

FALSE00018641632026-06-05--12-3100018641632026-06-052026-06-05

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 May 2026

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						Banco Inter S.A. Secures License to Launch U.S. 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: June 5, 2026

INTER&CO, INC. BANCO INTER S.A. SECURES LICENSE TO LAUNCH ITS U.S. BRANCH INTER & CO, INC. (B3: INBR32; NASDAQ: INTR) (“Inter&Co” or “Company”), hereby announces that Banco Inter S.A. (“Banco Inter”) has obtained the license from the Florida Office of Financial Regulation (“OFR”) to launch and operate its state-licensed branch branch in Miami, Florida (“US Branch”). This announcement follows the Form 6-K filed on January 16, 2026, which disclosed that Banco Inter had received approvals from the Board of Governors of the Federal Reserve (“FED”) and the OFR to establish the US Branch. With the the issuance of the license, Banco Inter is authorized to commence the operations. The US Branch will directly issue its own credit and debit cards and offer regulated credit products without relying on third-party sponsor banks. The Company intends to migrate its 5.5 million existing global account clients to this new structure, a strategic move designed to optimize the funding mix, lower servicing costs, and support its next phase of international growth. Belo Horizonte, June 5th, 2026 RAFAELA DE OLIVEIRA VITÓRIA Investor Relations Officer

Filing Exhibits & Attachments

5 documents

Press Releases

• EX-99.1 EX-99.1 1.9 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 2.2 KB
• EX-101 XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT 10.3 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT 17.6 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT 10.4 KB