Telegram Ads in Colombia — SFC, Mandatory Open Finance, Crypto Without a Licence (2026)

TL;DR

Colombia is open for Telegram Ads: it is one of the 229 country options in the ad form, on Euro and TON accounts alike.

• No published CPM: our only Colombia-targeted traffic so far is a single TON account — one advertiser, not a market price.
• 41.7 million internet users, 77.8% of the population, median age 32.5 (DataReportal, October 2025). No reliable public count of Telegram users in Colombia exists.
• Remittances: $13,098 million received in 2025, a record, 10.5% more than in 2024 (Banco de la República).
• Spanish-language creative, written for Colombia.

The law that matters for ads:

• SFC (Superintendencia Financiera de Colombia) — open finance. Decree 0368 of 7 April 2026 replaced the voluntary scheme of 2022 with a mandatory one for every entity the SFC supervises.
• Crypto — no licence regime. The bill to regulate virtual asset service providers was shelved in 2026. The SFC does not regulate or authorise crypto businesses; the DIAN and the UIAF require reporting.
• Coljuegos — games of chance. They are a state monopoly; online games and sports betting may be operated only under its authorisation.

Offers with no licence question — SaaS, e-commerce, consumer goods and services, B2B, education — target Colombia like any other country. Complying with Colombian law is the advertiser’s responsibility; this guide maps the rules and links the sources, and it is not legal advice.

Who you reach in Colombia

Telegram does not publish user numbers by country, and we could not trace the figures that circulate for Colombia to a primary source, so we quote none. What can be sourced:

• A large online population. 41.7 million internet users in October 2025, 77.8% of the population, with a median age of 32.5 (DataReportal, Digital 2026: Colombia). Those are internet users, not Telegram users.
• Mostly Android. Android carried about 78% of mobile web traffic in Colombia in September 2026 and iOS 22% (StatCounter). That is web traffic, not Telegram’s own split; the ad form lets you target each separately.
• Remittances. Colombia received $13,098 million in 2025, 10.5% more than in 2024, according to the Banco de la República; BBVA Research puts the share coming from the United States at 53% (Portafolio).
• Crypto. Chainalysis ranks Colombia fifth in Latin America by crypto value received, with $44.2 billion (Chainalysis, October 2025).
• Spanish only. Telegram’s ad guidelines say the language of the targeted channel should match the language of the ad and of the destination (§4.7).

How these groups split inside Telegram’s Colombian audience — by city, age or interest — is not something we have measured.

What it costs — we have not measured Colombia yet

We do not publish a CPM for Colombia. Our only Colombia-targeted traffic so far is a single TON account whose 21% CTR describes one advertiser’s setup, not the market, and our Euro accounts have no Colombia-only campaigns at all. Quoting a number from that base would be a guess.

For measured prices in other countries on both account types, including other Latin American markets, see the CPM by country guide.

The SFC, open finance and crypto in 30 seconds

Three things changed the picture in 2025 and 2026:

1. Open finance became mandatory. Decree 0368 of 7 April 2026 amends Decree 2555 of 2010 and replaces the voluntary scheme that Decree 1297 of 2022 had created. It applies to every entity supervised by the SFC — credit institutions, trust companies, pension fund administrators, insurers and others. They must open access to their clients’ data to supervised third parties within 12 months of the SFC issuing the technical standards, a term the SFC may extend by six months (Forbes Colombia, April 2026). The obligation exists; the clock for each entity starts with the SFC’s standards.
2. The crypto bill was shelved. Bill 510 of 2025, which would have regulated virtual asset service providers, was archived in the House of Representatives under article 190 of Law 5 of 1992 (Portafolio, August 2026). There is no Colombian licence for a crypto exchange.
3. Reporting duties stayed and grew. The DIAN’s Resolution 000240 of 24 December 2025 adopts the OECD’s crypto-asset reporting framework: platforms collect client and transaction data from fiscal year 2026 and file for the first time in May 2027. The UIAF has required reports of suspicious operations since April 2022. And the SFC states that it “no regula, supervisa, avala ni autoriza negocios basados en criptoactivos” (Infobae, August 2026).

What that means for an ad:

1. A supervised financial entity can say that it is “vigilada por la Superintendencia Financiera de Colombia”. Do not write it unless it is true.
2. A crypto platform cannot claim to be authorised, licensed or supervised by the SFC: the SFC says it does none of those things for crypto businesses. Reporting to the DIAN or the UIAF is a duty, not a licence, and should not be advertised as one.
3. Crypto education — explainers, courses, newsletters — sells no financial service. Keep a short risk line and no promise of profit.
4. “Open finance” in the copy is accurate for a supervised entity; a deadline is not, until the SFC publishes its standards.

Ad copy that fits the rules

Telegram allows 160 characters per ad text, so the risk line has to be short. The examples are in Colombian Spanish, as they would run:

Entity supervised by the SFC:

{Marca}: vigilada por la Superintendencia Financiera de Colombia. Envía dinero a toda Colombia sin comisión.

Remittance (dollars to pesos):

Recibe dólares desde el exterior. Tarifa fija COP {monto}. Envío directo a tu cuenta.

Crypto education (no exchange promoted):

Aprende qué son Bitcoin, Ethereum y las stablecoins. Contenido educativo. Invertir en criptoactivos implica riesgo.

SaaS B2B:

{Producto}: automatización de Telegram para empresas colombianas. Prueba gratis.

What does not belong in an ad:

• “Rentabilidad garantizada”. Telegram’s guidelines prohibit offers of investment with guaranteed return (§5.7).
• “Autorizado por la Superfinanciera” on a crypto product.

Adsly setup for Colombia

1. Pick a Euro account. It can link to a website as well as to a channel, bot or Mini App, add a custom button and have a declined ad escalated to a human through us. A TON account links to Telegram destinations only: channels, bots and Mini Apps. Both use the same targeting form since 22 August 2026, and Colombia is not among the four countries where TON-funded ads are not served (Russia, Ukraine, Israel and Palestine).
2. Opening. A Euro account opens in 2 business days as a World account: its campaigns can target Colombia or any other available country. Minimum ad budget: €500; €1,000 for crypto and for stocks and investing; forex and payday loans stay at €500. Payment in any cryptocurrency, no KYC. Price your Euro account →
3. Access. You get the account itself on ads.telegram.org and the Adsly Pro Panel on app.adsly.pro.
4. Targeting. Country: Colombia. Language: Spanish. Then topics — “Economy & Finance”, “Business & Entrepreneurship” and “Cryptocurrencies” are exact names from the form — or the channels your customers already follow. The form also has a Locations field that searches locations inside the selected country; which ones it offers for Colombia is visible in the account, and we have not measured city-level campaigns.
5. Creative. Write the Spanish for Colombia: Colombian vocabulary, amounts in Colombian pesos, local references. We have not measured how much that changes click-through against neutral Latin American Spanish, so treat it as a test.
6. Frequency. Views per User: start at 1–2 (the form allows 1 to 4).
7. Timing and moderation. We have no hour-of-day data for Colombia, so we publish no “best hours”; read the hourly analytics of your own campaigns. Over 98% of the 13,199 campaigns we measured in September 2026 had a moderation decision within three hours. Across all niches, 95.6% of reviewed ads on our Euro accounts and 86.8% on TON accounts end up approved. Opening an account does not approve any ad.

Who is responsible for what

Adsly opens the account and gives you the tools. What may be advertised to people in Colombia is decided by Colombian law and by Telegram’s moderation, and that responsibility stays with the advertiser:

• Gambling and betting. Telegram’s ad guidelines prohibit gambling ads: §5.6 says ads must not promote “online or offline gambling, gaming, or casino-based activities involving real money, prizes, or goods of any value” (guidelines). With us gambling runs in two formats only — an official gambling account, ad budget from €25,000, or a test launch on our infrastructure, ad budget from €5,000 — described in the gambling policy guide. Neither changes Colombian law: Law 643 of 2001 makes games of chance a state monopoly, allows them only under the conditions the law sets, and places sports betting and all games operated over the internet among the games administered by Coljuegos (articles 1, 4 and 38, official text).
• Finance and crypto. Whether your product needs the SFC’s supervision is yours to settle before launch, with a Colombian lawyer if the offer is anywhere near the line. The licence and compliance with Colombian law are the advertiser’s responsibility; an open account says nothing about them.
• Pharma and CBD. We do not take them, in any country.
• Everything else — SaaS, B2B, e-commerce, education, consumer offers — runs with Colombia as the target and no licence layer.

FAQ

Is Telegram Ads available in Colombia in 2026?

Yes. Colombia is a country option on Euro and TON accounts. Our own delivery there so far is a single TON account, which is why we publish no price.

What is the status of crypto in Colombia?

There is no licence regime. The bill to regulate virtual asset service providers was archived in 2026, and the SFC states that it does not regulate, supervise, endorse or authorise crypto businesses. What exists is reporting: to the DIAN under Resolution 000240 of 2025, with the first filing in May 2027, and to the UIAF for suspicious operations.

When does open finance become mandatory?

It already is, on paper: Decree 0368 of 7 April 2026. Each supervised entity has 12 months from the moment the SFC issues the technical standards, and the SFC can add six more.

Should the Spanish be Colombian?

Write for Colombia: Colombian vocabulary, peso amounts, local references. We have not measured the CTR difference against neutral Spanish, so test both.

Can I run gambling on Telegram Ads in Colombia?

Telegram’s guidelines (§5.6) prohibit gambling ads. With us gambling runs only as an official gambling account (ad budget from €25,000) or as a test launch on our infrastructure (ad budget from €5,000) — see the gambling policy guide. Colombian law is a separate question: games of chance are a state monopoly, and online games need Coljuegos’s authorisation.

What about remittance ads?

Remittance is a standard niche for us: the account starts at €500 of ad budget. The market is real — $13,098 million in 2025 — but we have no measurement of how remittance ads perform on Telegram in Colombia, so we make no performance promise.

Can I target Bogotá or Medellín specifically?

The ad form has a Locations field that searches locations inside the selected country. Which locations it offers for Colombia is visible in your account; we have not measured city-level campaigns, so we promise nothing about a Bogotá-only campaign. Targeting the channels a city’s audience reads is the other route.

Does Adsly help with SFC authorisation?

No. That is work for a Colombian financial-regulation law firm. We open the ad account and provide the tools to run it.

Colombia in 2026 moved in two directions at once: open finance became mandatory for supervised entities, and crypto was left without a licence regime. We have no price to give you yet, and we would rather say so than guess. Not sure where your offer sits? Ask us at @adsly_pro before you fund the account.