Agencies in Brazil, such as marketing, advertising, design, and consulting firms, usually open a business account, or conta PJ, under a registered company with a CNPJ. Many choose a digital bank for no monthly maintenance fee, free Pix, and invoicing tools, while some prefer a traditional bank for branch access and broader services.
Suits Agencies best
No single account suits every agency. Digital banks tend to fit agencies that want low cost and online tools, while traditional banks suit those that want branch access.
Typical monthly fee
From no monthly maintenance fee at several digital banks to roughly 10 to 80 reais per month for traditional bank packages, as of 29 April 2026.
Non resident position
Foreign owned agencies need a Brazilian registered entity with a CNPJ and usually a Brazilian resident representative. Verify with the provider.
Providers that fit
Several digital and traditional providers
Fees and features as of 29 April 2026Last reviewed 29 April 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Agencies in Brazil, including marketing, advertising, design, and consulting firms, open a business account, or conta PJ, under a registered company with a CNPJ. As of 29 April 2026 several digital banks offer no monthly maintenance fee, free instant Pix, and built in invoicing, which suits agencies that bill clients regularly, while traditional banks offer branch access and broader services for a monthly package fee. Compare the trade offs and confirm current terms with the provider.
What Agencies in Brazil need from a business account
Agencies typically bill clients on invoices, manage irregular cash flow between projects, and pay contractors and suppliers. That makes low cost transfers, easy invoicing, and clear expense tracking useful. The instant payment system Pix is widely used for receiving client payments. Agencies that work with overseas clients also need to think about how they receive foreign payments and the related currency costs. Deposit protection arrangements differ between providers, so weigh cost against protection and service, as of 29 April 2026.
C
Cora
Built for small businesses and microentrepreneurs with fast online opening, though its product range is narrower than a large bank. Deposit protection arrangements differ, so confirm.
Offers a free conta PJ with a wider product range, support for more entity types such as LTDA, and deposit protection. App based with broader services.
Agencies usually open a conta PJ, a business account, under a registered company with a CNPJ. As of 29 April 2026 many choose a digital bank for no monthly maintenance fee, free Pix, and invoicing tools, while some prefer a traditional bank for branch access. Confirm current terms with the provider.
Do agencies in Brazil pay account fees?
It depends on the provider. As of 29 April 2026 several digital banks charge no monthly maintenance fee, while traditional bank packages can run from roughly 10 to 80 reais per month. Some transfers and services may carry separate charges. Verify the current schedule with the provider.
Can a foreign owned agency open an account in Brazil?
The agency needs to be a registered Brazilian entity with a CNPJ, and foreign owners usually need a Brazilian resident representative with a CPF and a power of attorney. A non resident individual generally cannot open a company account directly. Verify with the provider, as of 29 April 2026.
How do agencies receive client payments in Brazil?
The instant payment system Pix is widely used to receive client payments and is often included with a conta PJ. Agencies with overseas clients should check how they receive foreign payments and the related currency costs. Confirm fees with the provider, as of 29 April 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 29 April 2026. Confirm current terms with the provider before applying.