Free business accounts in Brazil, what no fee really means

Snapshot

Several digital banks in Brazil offer a conta PJ with no monthly maintenance fee, including Nubank, Banco Inter, C6 Bank and Cora. Free usually means no monthly maintenance fee and free instant Pix to receive payments, while boletos beyond a monthly cap, cash withdrawals and some transfers can still carry a charge. Deposit protection arrangements differ between banks and payment institutions.

Free accounts available: Yes. Several digital banks charge no monthly maintenance fee as of 25 March 2026.
What free usually means: No monthly maintenance fee and free instant Pix to receive, with caps on free boletos or withdrawals at some providers
Common charges remain: Boletos beyond a cap, cash withdrawals, some transfers, foreign exchange and credit
Deposit protection: Differs between banks covered by the FGC and payment institutions. Verify with the provider.

Fees and features as of 25 March 2026Last reviewed 25 March 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Free business accounts in Brazil are common. As of 25 March 2026 several digital banks offer a conta PJ with no monthly maintenance fee and free instant Pix to receive payments, including Nubank, Banco Inter, C6 Bank and Cora. Free usually refers to the monthly maintenance fee, so check what still carries a charge, such as boletos beyond a cap or cash withdrawals, and confirm how your money is protected. Verify the current terms with the provider.

What free means for a business account in Brazil

In Brazil a free conta PJ almost always means there is no monthly maintenance fee. That is a real saving compared with the service packages that traditional banks charge for. It does not mean every action is free. Providers usually let you receive instant Pix at no cost, since receiving Pix is widely free, but they may cap the number of free boletos you can issue each month, charge for cash withdrawals at shared cash machines, and price outbound transfers, foreign exchange and credit separately. Read the fee schedule for the actions your business actually uses, as of 25 March 2026.

Where the charges usually sit

The most common charges on an otherwise free account are boletos above a monthly free limit, withdrawals at cash machines outside the provider network, and some transfer types. Foreign exchange and any credit line are priced on their own terms. As of 25 March 2026 the exact limits differ by provider, so a free account for one business can carry costs for another that issues many boletos. Confirm the schedule with the provider.

Free conta PJ providers to compare

As of 25 March 2026 these digital banks commonly advertise a conta PJ with no monthly maintenance fee. Verify with the provider

Nubank offers a conta PJ with no monthly maintenance fee and free unlimited Pix, suited to single owner entities such as a MEI.
Banco Inter and C6 Bank offer a free conta PJ with a card at no annual fee and a set number of free transfers each month before a fee applies.
Cora offers a digital conta PJ aimed at small businesses, with free boletos up to a monthly cap on some plans.

How to check that free really fits

List the actions you use most, such as boletos issued, withdrawals and transfers, then compare them against each provider free limit.
Check how your balance is protected, since banks covered by the FGC and payment institutions hold funds differently.
Confirm the current fee schedule with the provider before you move your main banking across.

Compare free business accounts in Brazil

These providers accept business customers in Brazil and several charge no monthly maintenance fee. Fees and eligibility shown as of 25 March 2026. Confirm current terms with the provider before applying.

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Questions about free business accounts in Brazil

Are there really free business accounts in Brazil?

Yes. As of 25 March 2026 several digital banks offer a conta PJ with no monthly maintenance fee, including Nubank, Banco Inter, C6 Bank and Cora. Free usually means no monthly maintenance fee, while certain transactions can still carry a charge. Confirm the current schedule with the provider.

What does a free business account in Brazil usually include?

A free conta PJ usually includes account opening, a card and free instant Pix to receive payments. As of 25 March 2026 some providers cap free boletos or free withdrawals each month, after which a fee applies. Verify what is included with the provider.

What is not free on a free business account?

Common charges sit on boletos beyond a monthly cap, cash withdrawals at shared cash machines, some outbound transfers, foreign exchange and credit products. As of 25 March 2026 the exact list varies by provider. Confirm the fee schedule before you rely on the account.

Are free digital business accounts in Brazil safe?

Deposit protection arrangements differ. Brazil's deposit guarantee fund, the FGC, covers eligible deposits at member banks up to a per institution limit, while some digital providers are payment institutions rather than banks and hold client funds differently. As of 25 March 2026 confirm the arrangement that applies with the provider.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 March 2026. Confirm current terms with the provider before applying.