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quarta-feira, 26 de junho de 2013

Opening a Brazilian Bank account for non-residents

See also:

-Financial investments by non-resident in the Brazilian financial and capital markets


Can you have a Bank account in Brazil if you don't live here? Yes.


The Central Bank of Brazil authorizes the opening of bank accounts in Brazil by individuals and entities who are non-residents.


However, in addition to the fact that Brazilian banks are not obliged to offer such service, each bank has its own procedure, which are, in most cases, unreasonable and too complicated.

Opening a non-resident bank account will require a - CPF (If you don`t know what a CPF is, please read this article). 



These accounts are usually very limited in the services they provide. Also, they are expensive to maintain. 


The non-resident account is more appropriate for investments in Bank Bonds (that provide interests similar to the Brazilian basic interest rates) and Poupança (a savings account that pays 6% of interest per year). 


Some banks will be willing to open bank accounts for non-residents against a minimum initial deposit of USD 100,000.00.  


I have contacts with a limited number of investment banks that provide this service. But compliance evaluation is very strict. 


Some people will prefer to incorporate in Brazil and use a corporate account, instead of managing a non-resident account.