6-K

United States Securities and Exchange Commission

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of October 2025

Commission File Number 132-02847

INTER & Co, INC.

(Exact name of registrant as specified in its charter)

N/A

(Translation of Registrant’s executive offices)

Maples Corporate Services Limited, PO Box 309, Ugland House,

Grand Cayman, KY1-1104, Cayman Islands.

(Address of registered executive offices)

Av Barbacena, 1,219, 22nd Floor

Belo Horizonte, Brazil, ZIP Code 30 190-131

(Address of principal executive office)

Telephone: +55 (31) 2138-7978

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒ Form 40-F ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):

Yes ☐ No ☒

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

Yes ☐ No ☒

EXHIBIT INDEX

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Date: October 3, 2025

moodysupgradeperspective

INTER&CO, INC MOODY’S REAFFIRMS BANCO INTER’S RATING AT “AA+.br” WITH POSITIVE OUTLOOK INTER & CO, INC. (NASDAQ: INTR; B3: INBR32) (“Inter&Co” or “Company”) hereby announces that Moody's Local BR Agência de Classificação de Risco Ltda ("Moody’s") upgraded Banco Inter S.A. outlook to “Positive”and reaffirmed its 'AA+.br' rating. Moody’s outlook upgrade and rating reaffirmation was based on several factors, including: (i) continuous and sustainable improvement in profitability, (ii) stable credit portfolio quality, (iii) appropriate capital levels to support growth, (iv) diversified revenue growth, (v) expanding and diversified retail customer base, and (vi) a solid liability profile. In the report published today, October 3, 2025, Moody’s states that “The positive outlook results from the continued improvement of Inter's profitability, approaching that of AAA.br-rated banks, supported by the expansion of its client base and the offering of financial products and services through the Super App, has increased client engagement and, consequently, diversified revenue.” Belo Horizonte, October 3, 2025 RAFAELA DE OLIVEIRA VITÓRIA Investor Relations Officer