Business banking fees in Brazil vary widely by provider. As of 17 March 2026 several digital banks offer a business account, known as a conta PJ, with no monthly maintenance fee and free instant Pix transfers, while traditional banks often charge a monthly service package. Watch for charges on cash handling, legacy transfers, card issuance, and international payments.
- Typical monthly fee
- From zero at several digital banks to about 10 to 80 reais at traditional banks
- Instant Pix transfers
- Free for everyday use at many providers; businesses may pay a fee depending on the provider
- Free account available
- Yes, at several digital banks
- Watch out for
- Cash handling, legacy TED transfers, and international payment costs
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
How business account fees work in Brazil
Fees on a Brazilian business account, or conta PJ, fall into a few groups: a monthly maintenance or package fee, transfer and payment charges, cash handling charges, and the cost of extras such as cards, overdrafts, and international payments. The instant payment system Pix has reshaped costs in recent years, since it is free for individuals and is widely used for everyday business payments. The central bank requires banks to offer a basic essential services package, so even traditional banks provide a no cost essential tier alongside their paid packages. As of 17 March 2026, many digital providers go further and charge no monthly maintenance fee at all.
Monthly maintenance fees
Several digital banks offer a conta PJ with no monthly maintenance fee, while traditional banks often bundle services into a monthly package that can run from roughly 10 to 80 reais depending on the tier. Compare the package contents, not only the headline price, since a cheaper package may include fewer free transactions. Verify the current schedule with the provider, as of 17 March 2026.
Transfer and payment fees
Pix is free for individuals and is the main everyday transfer method. Businesses may pay a fee for Pix depending on the provider, though it is often low and some digital banks include free business Pix for everyday use. The legacy transfer method TED can carry a fee that varies by provider and has largely been replaced by Pix, while the older DOC method has been phased out. International payments carry currency conversion costs that vary. Confirm each charge with the provider, as of 17 March 2026.
Common fees to check
Fees vary by provider and by account tier. Typical items to read in the schedule include: Verify with the provider
- The monthly maintenance or package fee, which can be zero at several digital banks.
- Cash deposit and withdrawal fees, card issuance, and overdraft charges where they apply.
- Business Pix fees, legacy TED transfer fees, and international payment and currency conversion costs.
How to keep costs down
- Compare conta PJ options and check the monthly maintenance fee, since several digital banks charge nothing.
- Use Pix for everyday transfers where it is free or low cost, and check whether your provider charges a business Pix fee.
- Read the full fee schedule for cash handling, cards, overdrafts, and international payments before you open the account, and confirm current terms with the provider.
Compare business accounts available in Brazil
These providers accept business customers in Brazil. Fees and eligibility shown as of 17 March 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about business banking fees in Brazil
How much does a business account cost in Brazil?
Is Pix free for businesses in Brazil?
Do digital banks in Brazil really have no fees?
What is a TED fee in Brazil?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 17 March 2026. Confirm current terms with the provider before applying.