About us

We have been doing business in Colombia for more than 50 years, from the time we first opened our local office in Bogotá. In 2006 we established a local banking entity licensed as a financial corporation under the supervision of the Financial Superintendence of Colombia. Today as a bank, we provide clients with an integrated range of services from across our franchises that combine specialist knowledge with leadership positions.

Our commitment to helping clients in Latin America dates back to the 19th century. As a result of our long-standing presence, we have built long-term and trusted relationships with Latin American industry leaders, financial institutions, governments, family-owned businesses and private clients.

We are committed to building vibrant communities, preserving the environment and promoting an inclusive culture across the globe that benefits people today and for generations to come. To achieve these objectives and maximize giving, our corporate responsibility programs in Latin America reflect our philanthropic goals in the areas of community development, education and arts and culture. Philanthropic efforts support local communities and a number of local best-in-class microfinance and micro-entrepreneurship programs.


J.P. Morgan is a global leader in financial services, offering solutions to the world's most important corporations, governments and institutions in more than 100 countries. As announced in 2020, JPMorgan Chase will deploy $2 billion in philanthropic capital around the world by 2025. We also lead volunteer service activities for employees in local communities by utilizing our many resources, including those that stem from access to capital, economies of scale, global reach and expertise.

Banco J.P. Morgan Colombia S.A. offers savings accounts to manage your investments and transactional flows, competitive rates in the local market and all the support of our brand. Our clients are able to manage all the information about balances and transactions through our electronic channels.

Savings Account Agreement

What is FOGAFIN?

FOGAFIN (Financial Institutions Guarantee Fund) is the financial authority attached to the Ministry of Finance and Public Credit, in charge of creating the mechanisms to manage Deposit Insurance in order to protect the savings of depositors in banks, financial corporations, financing, companies specialized in electronic deposits (SEDPES), under the current regulatory structure, financial entities of the types mentioned here, are supervised by the Financial Superintendence of Colombia as a regulatory entity and are obliged to register with FOGAFIN.

What is Deposit Insurance?

It is the insurance is the mechanism created to protect depositors in Colombia against the eventual liquidation of the financial institution where they have their deposits, which must be duly registered in FOGAFIN, this mechanism guarantees depositors the recovery of their savings up to 50 millions of pesos.

What types of products are protected?

Current account deposits
Simple Deposits
Certificates of Term Deposits (CDT)
Savings Deposit
Special Savings Accounts
Mortgage bonds
Special Deposits
Collection Banking Services
Electronic Deposit
Individual, joint or collective deposits with other people

For more information:
See https://www.fogafin.gov.co/

The Current Account allows our client to settle payments in COP using the available account balance and having access to and overdraft line which can obtain after an agile and timely process of approval.

Current Account Agreement Updated on February 5th 2024

Previous version: tracked changes Current Account Agreement

Global Agreements for reference

Global Account Terms

Global Electronic Channels Service Terms

What is FOGAFIN?

FOGAFIN (Financial Institutions Guarantee Fund) is the financial authority attached to the Ministry of Finance and Public Credit, in charge of creating the mechanisms to manage Deposit Insurance in order to protect the savings of depositors in banks, financial corporations, financing, companies specialized in electronic deposits (SEDPES), under the current regulatory structure, financial entities of the types mentioned here, are supervised by the Financial Superintendence of Colombia as a regulatory entity and are obliged to register with FOGAFIN.

What is Deposit Insurance?

It is the insurance is the mechanism created to protect depositors in Colombia against the eventual liquidation of the financial institution where they have their deposits, which must be duly registered in FOGAFIN, this mechanism guarantees depositors the recovery of their savings up to 50 millions of pesos.

What types of products are protected?

Current account deposits
Simple Deposits
Certificates of Term Deposits (CDT)
Savings Deposit
Special Savings Accounts
Mortgage bonds
Special Deposits
Collection Banking Services
Electronic Deposit
Individual, joint or collective deposits with other people

For more information:
See https://www.fogafin.gov.co/

Banco J.P. Morgan Colombia S.A. offers friendly, secure and high availability channels which allow our clients efficient payment processes from the web banking in J.P. Morgan Access® to the integration using Host to Host and SWIFT.

We offer the possibility of making PSE payments safely through our Electronic Banking Platform JP Morgan Access, which allows our clients to make online payments from their checking accounts, through the goods/service provider's website.

PSE Terms and Conditions

Payment Reversal Procedure For PSE

Our clients can receive electronic deposits in COP from any bank in Colombia

Banco J.P. Morgan Colombia S.A. offers th following channels for the clients to operate their products and get product and service information

  • J.P. Morgan Access®
  • Integration channels
  • Physical communications sent to the bank domicile
  • Customer Service Team +(57) 601 326 9630

Concepto y Hecho que Origina la Comisión / Concept and Event that causes the Fee

Importe en COP / Amount in COP

Servicios relacionados con la Cuenta / Account Services

Comisión por mantenimiento de cuenta / Account Maintenance Fee

                        15,500

Comisión por cada Certificación de Auditoria a través de Línea telefónica / Audit Confirmation

                                 -  

Comisión por copia de Extracto enviada / Account Statement sent

                                 -  

Banca Electrónica (Access) / Electronic Banking (Access)

Comisión por cada cuenta mantenida en el Banco y/o Afiliadas reportada en Access. / Fee for each Account held at the Bank and/or Affiliate reported in Access.

                      200,000

Comisión por cada cuenta Multibank (en otros bancos) reportada en Access. / Fee for each Multibank Account (at other banks) reported in Access.

                        50,000

Token Físico / Physical Token

                                 -  

Token Virtual / Virtual Token

                                 -  

Servicios relacionados con Pagos / Deposit Related Services

Comisión por cada transferencia de fondos enviada vía ACH. / Fee for each funds transfer sent via ACH.

                          7,000

Comisión por cada traspaso de fondos entre cuentas mantenidas en el Banco (book to book) instruida vía Access. / Fee for each funds transfer between accounts held at the Bank (book to book) ordered via Access.

                          5,000

Comisión por cada traspaso de fondos entre cuentas mantenidas en el Banco (book to book) instruidas vía fax, mail o por teléfono. / Fee for each funds transfer between accounts held at the Bank (book to book) ordered by fax, email or telephone.

                        45,000

Comisión por cada giro internacional / Cross border payment fee (each)

                        30,000

Host to Host

Comisión única por la implementación del servicio Host to Host. / One-time Fee for Host to Host service set-up.

                  4,000,000

Comisión por cada cuenta con servicio Host to Host. / Fee per account with Host to Host service.

                      450,000

Servicios de Reportería / Reporting Services

Comisión por el envío diario al Cliente de reportes en formato SWIFT MT940. / Fee for sending daily reports to Clients in SWIFT MT940 format.

                      400,000

Comisión por el envío diario al Cliente de reportes en formato SWIFT MT942. / Fee for sending daily reports to Clients in SWIFT MT942 format.

                      600,000

Tasa minima de remuneracion cuentas de ahorro/Savings account minimal interest rate*

 0.1% EA/AE

Tasa en las operaciones activas : IBR + precio pactado con el cliente / Rate in active operations: IBR + price agreed with the client

*Tasa sujeta a cambio de acuerdo con condiciones de mercado / This rate may change based on market conditions

*Estas tarifas serán aplicables en la medida que no se hayan acordado o debidamente comunicado por medio verificable tarifas diferenciales / These rates will be applicable if have not been agreed or duly communicated by verifiable means differential rates.

*Los valores de referencia de esta lista de precios no contienen IVA. The reference values in this price list do not include VAT Tax.

Transactional channels

JP Morgan Access® – is our eElectronic Banking platform available in 160 countries, 120 currencies and 13 languages, offering a range of powerful tools that grow with you and help optimize your banking experience. Our platform connects you to your accounts payable and receivable needs through a single provider, with robust security and the necessary controls to help protect your business. Also available in mobile version (JP Morgan Access® Mobile).

Host to Host connectivity solution that allow our clients to centralize and automate their payment and reporting processes through their ERP systems. Also available in Host-to-Host Online version.

Our Multibank Report functionality allows you to centrally view Balance and Movement reports from third-party banks through our JP Morgan Access® electronic banking platform, to facilitate the concentration and reconciliation of your account transactions, through SWIFT messaging (MT940/MT942 and CAM052/CAM053)