Best business accounts for SaaS and Software in Brazil
Snapshot
SaaS and software companies in Brazil open a business account, or conta PJ, under a registered CNPJ, usually as a Sociedade Limitada. Many use a digital bank for no monthly maintenance fee and online tools, and add an international account for receiving payments from overseas customers.
Suits SaaS and Software best
No single account suits every software company. A digital bank fits domestic operations with low cost and online tools, while an international account helps companies that bill customers abroad.
Typical monthly fee
From no monthly maintenance fee at several digital banks to monthly package fees at traditional banks. International receiving carries foreign exchange costs that vary by provider, as of 4 February 2026.
Non resident position
A foreign owned software company needs a Brazilian registered entity with a CNPJ and usually a Brazilian resident representative. Verify with the provider.
Providers that fit
Digital banks plus international account options
Fees and features as of 4 February 2026Last reviewed 4 February 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
SaaS and software companies in Brazil open a conta PJ under a registered CNPJ, usually as a LTDA, and many add an international account for overseas revenue. As of 4 February 2026 several digital banks offer no monthly maintenance fee and online tools for domestic operations, while an international account such as Wise Business can lower the cost of receiving foreign payments. The main trade off is between a single domestic account and a setup that also handles cross border revenue. Compare the costs and confirm current terms with the provider.
What SaaS and Software in Brazil need from a business account
SaaS and software companies need an account that handles recurring revenue, pays salaries and cloud suppliers, and supports their LTDA structure with clear signatory permissions. Domestic billing runs on Pix, cards, and boletos, so easy reconciliation matters at volume. Companies that sell abroad also need a low cost way to receive foreign payments, since the foreign exchange spread affects margins. Some providers accept multi owner companies and others only single owner entities, so eligibility matters. Weigh domestic account cost against the cost of receiving overseas revenue, as of 4 February 2026.
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Banco Inter
A free conta PJ that supports several company types including LTDA, with cards, Pix, and a broader product range for domestic operations. Confirm whether your ownership structure is accepted before applying.
A simple conta PJ with no monthly maintenance fee and free Pix for single owner entity types. Suits early stage software companies that want low cost domestic banking. Deposit protection arrangements differ, so confirm.
An international account that supports more than 40 currencies and uses the mid market rate with transparent fees, which can lower the cost of receiving overseas revenue. It complements rather than replaces a domestic conta PJ. Confirm what it covers.
Best for
Companies billing customers abroad
Monthly fee
One time opening fee of 250 reais, then per transfer fees as of 4 February 2026
These providers accept SaaS and Software in Brazil. Fees and eligibility shown as of 4 February 2026. Confirm current terms with the provider before applying.
Questions about banking for SaaS and Software in Brazil
What account do SaaS companies in Brazil use?
Most open a conta PJ under a registered CNPJ, usually as a LTDA, at a digital or traditional bank, and many add an international account for overseas revenue. As of 4 February 2026 several digital banks offer no monthly maintenance fee. Confirm eligibility and terms with the provider.
How do software companies receive payment from abroad?
Companies that bill overseas customers often use an international account such as Wise Business, or arrange foreign exchange through a bank, since the spread and fees affect margins. As of 4 February 2026 Wise Business is available in Brazil with a one time opening fee of 250 reais. Confirm current costs with the provider.
Can a multi owner software company use a digital bank?
Sometimes. Some digital banks accept a multi owner LTDA, while others only accept single owner entities. Confirm that your ownership structure is accepted with the provider before applying, as of 4 February 2026.
Do SaaS companies in Brazil pay account fees?
It depends on the provider. As of 4 February 2026 several digital banks charge no monthly maintenance fee for an eligible conta PJ, while traditional banks charge monthly package fees, and international receiving carries foreign exchange costs. Verify the current schedule with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 4 February 2026. Confirm current terms with the provider before applying.