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Macro International Cargo
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Barri Agent in Miami, FL
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Barri offers check cashing, money transfers, bill payments, and a prepaid Visa debit card with 30+ years of remittance experience serving Latin American communities.
Data compiled from public sources
Barri Agent Review
Barri is a financial services company with over 30 years of experience in money transfers and remittances, primarily serving Latino communities in the United States. The company has evolved from a traditional check-cashing operation into a multi-service financial platform accessible through physical store locations and mobile applications.
Barri's core service offerings include check cashing with extended hours and rate claims to verify, international money transfers to Mexico, Central America, and South America, bill payment services, mobile phone recharges across the US and Latin America, and a branded Visa prepaid debit card. The company has partnered with Oportun to offer personal loans ranging from $300 to $10,000, allowing customers to build credit history while covering unexpected expenses. All services are available through their physical store network, website, and dedicated mobile applications for iOS and Android.
Barri distinguishes itself through its focus on underserved immigrant communities and families sending remittances. The company emphasizes ease of use, convenience, and customer service quality. Their mobile application integrates multiple services into a single platform, allowing users to send money, pay bills, and manage accounts without visiting a physical location. Customer reviews highlight reliability, fast service, and responsiveness to customer needs.
While Barri provides valuable financial services to communities with limited banking access, consumers should note that as a check-cashing and money transfer service rather than a bank, it does not offer FDIC-insured deposit accounts or traditional savings products. The company's loan offerings depend on a third-party partnership with Oportun, and specific APR details for these loans are not disclosed on their website. The prepaid debit card, while convenient, typically carries fees for various transactions that traditional bank accounts may not charge.
Services & Features
Barri Visa prepaid debit card
Bill payment services (utilities, phone, internet)
Check cashing with competitive rates
Customer service via phone
In-store service at physical locations
International money transfers (Mexico, Central America, South America)
Mobile app for remote account management
Mobile phone recharges (US and Latin America)
Money orders
Online transfer ordering
Personal loans ($300-$10,000 via Oportun partnership)
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Extended operating hours for check cashing with no complex requirements
- Multi-country money transfer capability (Mexico, Central America, South America)
- Integrated mobile app combining transfers, bill pay, and account management
- Partnership with Oportun enabling personal loans up to $10,000 for credit building
- High customer satisfaction with 4.9-star app rating across iOS and Android
- Physical store network providing in-person service and cash handling
- Instant mobile phone recharges across US and Latin America
- 30+ years of established experience in remittance and money transfer services
Cons
- Not FDIC-insured bank—no deposit protection or traditional savings accounts
- Loan APR and fee structure not transparently disclosed on website
- Prepaid debit card likely carries transaction and maintenance fees typical of non-bank cards
- Service focus limited primarily to Spanish-speaking and Latin American transfer communities
- Partnership-dependent lending means approval and terms controlled by third party (Oportun)
State Consumer Finance Context
This is state-level context for Check Cashing & Money Services consumers in Miami, FL. It does not confirm that Barri Agent or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Money services context in Florida
Short-term lending status: Legal
General rate context: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately
Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.
Key state rules to check
- Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
- Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
- A mandatory 24-hour cooling-off period is required between payday loans.
Complaint resources
- Florida Office of Financial Regulation (OFR) - State Regulator
- Florida Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Barri Agent offer?
Barri Agent offers 12 services including Check cashing with competitive rates, International money transfers (Mexico, Central America, South America), Bill payment services (utilities, phone, internet), Mobile phone recharges (US and Latin America), Barri Visa prepaid debit card, and 7 more.
What profile signals are listed for Barri Agent?
Barri Agent has profile signals associated with Unbanked and underbanked Latino immigrants needing check cashing and bill payment, Families sending regular remittances to Mexico, Central America, or South America, Spanish-speaking consumers seeking convenient mobile-first financial management, Individuals building credit history through small personal loans without traditional banking.
What are the strengths and weaknesses of Barri Agent?
Key strengths: Extended operating hours for check cashing with no complex requirements; Multi-country money transfer capability (Mexico, Central America, South America); Integrated mobile app combining transfers, bill pay, and account management. Areas to consider: Not FDIC-insured bank—no deposit protection or traditional savings accounts; Loan APR and fee structure not transparently disclosed on website.
How does Barri Agent compare to similar companies?
In the Check Cashing & Money Services category, comparable providers include Macro International Cargo, 47th & Pulaski Currency Exchange, Productos Colombianos | Envios de Paqueteria a Colombia | Cambio de Cheques | en San Jose CA | Elite Multiservice. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Research Note on Barri Agent
Barri is profile signals for unbanked and underbanked immigrants and their families who regularly send money internationally and need accessible check cashing and bill payment services. The main caveat is that it operates as a money services business rather than a bank, so customers should not expect FDIC insurance, traditional savings accounts, or listed fee disclosure—and should carefully review all terms before using the Oportun loan partnership.
Profile Signals
- Unbanked and underbanked Latino immigrants needing check cashing and bill payment
- Families sending regular remittances to Mexico, Central America, or South America
- Spanish-speaking consumers seeking convenient mobile-first financial management
- Individuals building credit history through small personal loans without traditional banking
Updated 2026-04-29
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Quick Summary
- Barri Agent is listed as a Check Cashing & Money Services provider in Miami, FL on CreditDoc.
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