What is retail banking?
Retail banking, also known as consumer banking or personal banking, is the provision of services by a bank to the general public, rather than to companies, corporations or other banks, which are often described as wholesale banking. Banking services which are regarded as retail include provision of savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards. Retail banking is also distinguished from investment banking or commercial banking. It may also refer to a division or department of a bank which deals with individual customers.

In the U.S., the term commercial bank is used for a normal bank to distinguish it from an investment bank. After the Great Depression, the Glass–Steagall Act restricted normal banks to banking activities, and investment banks to capital market activities. That distinction was repealed in the 1990s. Commercial bank can also refer to a bank or a division of a bank that deals mostly with deposits and loans from corporations or large businesses, as opposed to individual members of the public (retail banking).
O que é o banco de retalho?
O banco de retalho, também conhecido como banco de consumo ou bancário pessoal, é a prestação de serviços por um banco ao público em geral, em vez de a empresas, corporações ou outros bancos, que são muitas vezes descritos como bancos de atacado. Os serviços bancários que são considerados como serviços bancários de retalho incluem a prestação de contas de poupança e transações, hipotecas, empréstimos pessoais, cartões de débito e cartões de crédito. O banco de retalho também é distinguido do banco de investimento ou do banco comercial.