Brazil has a strong group of digital banks and payment institutions that offer a conta PJ online. As of 11 May 2026 Nubank, Banco Inter, C6 Bank, Cora and PagBank are widely used, and several charge no monthly maintenance fee with free instant Pix to receive payments. The trade offs are digital only support, fewer branch services and deposit protection that differs between banks and payment institutions.
- Main digital providers
- Nubank, Banco Inter, C6 Bank, Cora and PagBank, plus card and expense platforms such as Conta Simples
- Typical monthly fee
- No monthly maintenance fee at several providers as of 11 May 2026, with charges on some transactions
- Opening
- Usually online within a few business days once the company has a CNPJ. Verify with the provider.
- Deposit protection
- Differs between banks covered by the FGC and payment institutions
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
How online accounts and neobanks work in Brazil
Digital providers in Brazil let a registered company open a conta PJ online once it has a CNPJ, often within a few business days. They built their offer around the instant payment system Pix, which is widely used for business and is usually free to receive, and around low cost everyday banking. Some of these providers are banks, while others are payment institutions, which matters for how client money is held and protected. As of 11 May 2026 several charge no monthly maintenance fee, which is the main saving against the service packages that traditional banks charge for. Confirm the current terms and the protection that applies with the provider.
Neobanks compared with traditional banks
Neobanks tend to win on cost and convenience, with no monthly maintenance fee, fast online opening, free Pix and clear apps. Traditional banks tend to win on breadth and branch access, with a fuller range of credit, foreign exchange and treasury services, usually bundled into paid packages, although the central bank requires a basic essential services package. The right balance depends on whether the business values low cost and online tools or branch service and a wider product range. As of 11 May 2026 compare both against your needs and confirm the terms with the provider.
Digital providers to compare
As of 11 May 2026 these digital providers commonly offer a conta PJ in Brazil. Verify with the provider
- Nubank, Banco Inter, C6 Bank and Cora offer a conta PJ with no monthly maintenance fee and free instant Pix on common plans.
- PagBank serves small business owners with a digital account and card acceptance tools.
- Conta Simples focuses on corporate cards and expense management for companies that need to control team spend.
Compare online business accounts in Brazil
These providers accept business customers in Brazil and open online. Fees and eligibility shown as of 11 May 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about online accounts and neobanks in Brazil
What are the main neobanks for business in Brazil?
Are neobank business accounts in Brazil free?
Are digital business accounts in Brazil safe?
What are the trade offs of a neobank versus a traditional bank in Brazil?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 May 2026. Confirm current terms with the provider before applying.