Business account fees in Costa Rica usually combine a small monthly maintenance fee, which several banks waive above a minimum balance, with per transaction charges. Local transfers through the SINPE system are low cost or free in the same currency, while international wires by SWIFT cost more. State owned banks such as Banco Nacional and Banco de Costa Rica often carry lower fees, while a private bank such as BAC Credomatic may charge more but offer stronger US dollar service. Verify the current tariff with each provider.
- Monthly maintenance
- Small fee that varies by bank and currency, often waived above a minimum balance
- Local transfers
- SINPE transfers are usually low cost or free within the same currency
- International wires
- SWIFT wires carry a higher fixed fee plus correspondent charges
- Currency conversion
- The main cost between colones and US dollars is the exchange spread
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
The fees that matter for a business account in Costa Rica
The largest recurring cost is usually the monthly maintenance fee, which many banks waive when the account keeps a minimum balance in colones or US dollars. After that, watch the per transaction charges, the cost of international wires sent by SWIFT, the exchange spread when you move between colones and US dollars, and card and cash handling fees. Local transfers through SINPE are typically low cost or free within the same currency, which keeps day to day domestic payments cheap. Compare the published tariff for the account you want, since the headline fee rarely tells the full story.
How to keep business banking costs down
Match the account to how the business actually trades. If most payments are domestic and in colones, a state owned bank with low SINPE costs and a waivable maintenance fee can be efficient. If you earn in US dollars, weigh the conversion spread and any US dollar account fee, since these often matter more than the monthly charge. Keep enough balance to clear any fee waiver threshold, route foreign income through the cheapest available channel, and confirm the current tariff before you apply, since fees change and vary by package, as of 12 March 2026.
Compare business accounts in Costa Rica
These providers open business accounts in Costa Rica for a registered company. Fees and eligibility shown as of 12 March 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about business account fees in Costa Rica
Do business accounts in Costa Rica charge a monthly fee?
How much do transfers cost from a Costa Rican business account?
Are state owned banks cheaper than private banks in Costa Rica?
Is there a fee to hold US dollars in Costa Rica?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 12 March 2026. Confirm current terms with the provider before applying.