Séries históricas Itaú Empresas launches Seguro Transações (Transaction Insurance) to help small and medium-sized businesses protect their operations
The new solution offers a complementary layer of financial protection for business (PJ) accounts, reducing the impact of transactions made under coercion and after cell phone or card theft, as well as theft following a cash withdrawal
São Paulo, June 2026 – Itaú Empresas is announcing the launch of Seguro Transações (Transaction Insurance, in Portuguese), a solution created to help small and medium-sized businesses reduce the financial and operational impacts caused by transactions made under coercion or unauthorized activity in their bank account. Developed for the reality of businesses, the product protects the company’s account and its authorized users, offering greater protection for their financial operations and reinforcing the bank’s positioning as a partner in business risk management.
The new solution was designed to support companies in one central aspect: business continuity in the face of situations that can compromise their operations even with existing protection mechanisms – such as transactions made under coercion, forced use of the account or card, unauthorized transactions after cell phone or card theft, and theft following a cash withdrawal. In these cases, the insurance works as a complementary layer of financial protection, helping business owners preserve their cash flow and resume operations more quickly.
One of the differentiators of Seguro Transações lies in its structure, designed based on the needs of business clients. The product takes into account companies’ dynamics and cash flow, with coverage for the business bank account and for all users authorized to operate it, including partners and employees with usage permission. The coverage encompasses different types of transactions associated with account use, including card use, payments, Pix, and transfers.
“In small and medium-sized businesses, the bank account is central to day-to-day operations. With Seguro Transações, we want to offer a solution aligned with that reality, expanding their protection and bringing greater peace of mind so that business owners can stay focused on managing and growing their company,” says Renato Mansur, director of Itaú Empresas. “We developed a solution that brings together, in a single product, important coverages for companies’ financial routines that are often offered separately. In addition to the breadth of protection for everyone who can operate the account, the insurance also covers the variety of transactions that can be carried out day to day, with integrated protection for the account, cards, and withdrawals.”
With this launch, Itaú Empresas reinforces its role as a strategic partner for SMEs, going beyond offering financial services to also support business risk management. By combining convenience, alignment with companies’ operational reality, and complementary protection at critical moments, the institution expands its portfolio of solutions focused on the security and continuity of its clients’ operations.
The product is already available for purchase 100% digitally through the Itaú Empresas app, on the insurance home screen, with 24-hour digital activation. The solution comes with package options, allowing clients to choose the alternative best suited to their company’s profile and operations. Prices vary according to each client’s profile and the characteristics of their operations. The insurance has no deductible or waiting period.
The Itaú Empresas app already has several security features focused on strengthening client protection in transactions, purchases, and use of digital channels. These include features such as iToken, geolocation, biometrics (facial and Touch ID), access password, alerts (suspicious calls, fraud prevention), blocks (physical and preventive card), and automatic protections. In this context, Seguro Transações emerges as a complement to protection in different cases, expanding the completeness of security for Itaú clients.