CCA (Cámara de Compensación Automatizada)Guatemala’s automated clearing house: electronic retail transfers between banks, cleared in cycles and settled in the LBTR. It is the country’s everyday interbank rail, and the essential counterpart to gross settlement for understanding how a Guatemalan transfer actually reaches the payee.Banco de Guatemala (governed by the regulatory instrument approved by Resolution GG-40-2020, as amended by Resolution GG-37-2022, which sets the operating rules and hours)
Global registry · Latin America · Central America
Guatemala Payment systems
3 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
IBAN · Guatemala
28 characters61 BIC codes
- Total length
- 28 characters
- Bank code position
- 5–8
- BBAN structure
4!c20!c
Structurally valid example
GTcountry code82check digitsTRAJbank01020000001210029690account
GT82 TRAJ 0102 0000 0012 1002 9690
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Clearing and settlement
Wallets
ZigiGuatemala’s leading mobile wallet: a digital account, QR payments accepted by the country’s major institutions, transfers by phone number, bill pay, and remittance receipt. It fills the role that telco-run mobile money plays elsewhere in Central America, except that here a bank, not a telco, captured the market.Banco Industrial, S.A. (a wallet launched by Guatemala’s largest bank and open to non-customers; remittances are received through a partnership with Intermex)
Other
LBTR (Liquidación Bruta en Tiempo Real)Guatemala’s real-time gross settlement system, live since January 27, 2006, and one of the few national infrastructures that settle in both the quetzal and the US dollar on the central bank’s books. It underpins the entire Guatemalan payment system, including the country’s link to the regional SIPA rail.Banco de Guatemala (operated by the central bank; participants are financial institutions that hold a deposit account at Banguat (Banco de Guatemala), admitted by resolution of its general management) · since 2006