Open your bank account in Brazil, even without residency
We are Nieilly and Jason, a Belgian-Brazilian couple living between Brazil and Belgium. We assist you in opening a legal, functional, and recognised Brazilian bank account, even if you do not reside in Brazil.
✔️ Account for non-residents
✔️ Remote opening, without travel to Brazil
✔️ Access to all types of Brazilian investment
✔️ All types of payments: PIX, boleto, TED transfers, etc.
✔️ Two possible banks: Santander or Banco Rendimento
How does the buying process work?
Our fees: a flat rate of €250 covering the entire process.
We helped more than 50 clients in 2025!Want to learn more?
Schedule a free 15-min call with Jason
Our support
Nieilly is a Brazilian lawyer, born and raised in Maceió, registered with the bar since 2015 (OAB / AL nº 14.337). She is fully aware of the legal requirements related to bank accounts for foreigners and non-residents.
Jason is a Belgian marketer living in Maceió for over 7 years. He speaks French, Dutch, English, and Portuguese and will assist you in your language at every step of the process.
Everything is done remotely and from your home.
A local account is essential for:
- Investing in real estate and banking assets in Brazil
- Make local payments (PIX, boletos, transfers)
- Receive or send money in reais
- Prepare for a future settlement or a visa
- Centralise and secure your financial flows in Brazil
There are two banks in Brazil that open accounts for foreigners without residency:
1. Santander
It is one of the largest banks in the world, with branches throughout Brazil.
2. Banco Rendimento (online bank)
It is a well-known bank with an excellent reputation. It works directly with the Central Bank of Brazil for the conversion of foreign currencies into reais.
We will analyse your needs to determine which bank best meets your expectations and budget.
3 reasons why our clients choose us
Belgian-Brazilian Expertise
Two cultures, one trusted intermediary.
Reliable banking framework
Recognised banks, specialised for non-residents
Simplicity and accessibility
Clear and 100% digital process, supported from A to Z
The complete opening process
in 4 steps
1. Tell us about your project
- During a free 15-minute call, you can explain your situation and your needs (payments, investments, international transfers, etc.).
- We decide whether a bank account with Banco Rendimento or Santander best suits your profile and which plan is the most suitable.
- We answer your questions
- After the call, we will send you our invoice for €250 and upon receipt of payment, we will open your bank account.
No, it’s completely free. The aim is to understand your needs and to advise you.
ADVANTAGES
- No account opening or monthly maintenance fees (after 1 year: 150 BRL/year to keep the account active)
- Unlimited local transactions (PIX, boletos, TED, domestic transfers)
- International transfers with competitive exchange rates and official currency conversion
- Internet banking & mobile app (full account management via website and app)
- Investment access (including Brazilian CDBs, even from abroad)
- IBAN available on request (to receive international transfers more easily)
- International prepaid card available (Premium option)
LIMITATIONS
- No joint account (you can appoint an authorized representative, but with limited permissions)
- No standard bank card (a debit card is only available through the Premium option for 300 BRL/month)
For clients who mainly want to pay, receive, and transfer money, this is the simplest and most cost-effective solution, while remaining fully reliable.
ADVANTAGES
- Unlimited local transactions (PIX, boletos, TED, domestic transfers)
- Investment access (including Brazilian CDBs, even from abroad)
- Option to have a Visa card, allowing purchases in installments in Brazil
- Internet banking & mobile app (full account management via website and app)
- Access to selected VIP airport lounges
- Possibility to open a joint account
- Access to Santander premium physical branches located throughout Brazil
LIMITATIONS
- Account opening fee: 1,000 BRL (one-time payment)
- Monthly fee (debit card only): 100 BRL
- Monthly fee (debit card + Visa card): 150 BRL
- Processing time: the procedure is longer (can take up to 2 months)
2. Preparation of documents and information
- We send you the list of documents and information that we need and we will check that they are compliant before sending them to the bank.
- Basic required documents
- Brazilian CPF
- Passport
- Tax identification number from your country of residence
- Proof of address (less than 3 months old)
- Proof of income (depending on your situation)
- In addition, the bank also requests general information about your personal, professional, and financial situation, as required by Brazilian banking regulations.
3. Analysis and validation by the bank
- We submit the account opening request to the bank and follow up on the entire process.
- Processing times depend on the bank selected:
- Banco Rendimento: average of 5 business days
- Santander: average of 2 months
At Santander, the process is much more complex for non-residents. One must navigate between several portals and contacts, provide specific documents, and respond to additional requests throughout the process.
No, it’s not that simple. The Brazilian requirements are different from those of European or American countries: you need to know exactly what information to provide, where and how, and what documents to submit. We take care of everything: filling out the form correctly, attaching the necessary documents, following up with the bank, and managing all communications until the account is opened and operational.
4. Access to your account
- After validation by the bank, you have access to Internet Banking and your mobile application
- Access to the exchange portal for international transfers
- You can add money to your account and carry out any banking transaction
Yes. You will have access to the official Banco Rendimento or Santander mobile app (iOS & Android).
Yes. You can carry out all standard banking operations, including PIX, boletos, and payments via QR code.
Yes, you have access to all types of banking investments in Brazil, which are much more profitable than those in Europe.
No. Once the account is opened, you are completely self-sufficient. We offer support for 30 days after the opening, but you then manage your account directly with the bank, including changing your password.
Ready to open your bank account in Brazil?
We support you, in your language, for a quick, legal and stress-free opening.
Why open your account with us:
Opening without movement in Brazil
Reliable and recognised banks
Very low costs
Human and multilingual support
Ideal for investing or preparing your project in Brazil
Schedule a free 15-min callFrequently asked questions
Question? Book a free call and we’ll be happy to answer them.
You can also email us at [email protected] ou call +32 494 161110
- Domestic transfers: unlimited
- International transfers: unlimited
→ Supporting documentation required for amounts ≥ 100,000 BRL
- Domestic transfers ≥ 500,000 BRL
→ Additional confirmation required by email or phone
- PIX: instant, 24/7
- Boletos: payment of bills and services
- TED: traditional bank transfers
- Visa: No
- CPF: Yes (mandatory)
- CRNM / residency: No
This account is specifically designed for non-residents.
Yes. You can send and receive funds from Europe or any other country through your traditional bank, or even more easily via online services such as Wise, Revolut, etc.
Yes. This account is perfectly suitable for:
- Paying a deposit
- Making monthly payments to a developer
- Receiving rental income
- Completing a real estate resale
In fact, this is the solution we recommend to the majority of our investor clients.
Final arguments
Discover our project, get to know us, and understand why Maceió, Brazil, is currently one of the best places to invest.
Laatste argumenten
Ontdek ons project, leer ons kennen en begrijp waarom Maceió in Brazilië nu één van de beste plekken is om te investeren.
Boek een gesprek van 15 minuten
Last arguments
Discover our project, get to know us, and understand why Maceió in Brazil is now one of the best places to invest.
Últimos argumentos
Descubra nosso projeto, conheça-nos e entenda por que Maceió, no Brasil, é agora um dos melhores lugares para investir.
Agende uma chamada de 15 minutos