Banco do Brasil

Banco do Brasil offers two business accounts in Brazilian reais, split by the structure of the company: PJ Digital and Conta Empresa.

PJ Digital This is the digital account for businesses with a single owner. It covers the MEI, EI and SLU forms: the individual microentrepreneur, the individual entrepreneur and the single-person limited company. Because it is designed for simple structures, it is opened digitally, which suits sole traders who want to avoid a branch visit.

Conta Empresa Conta Empresa is for more complex structures. Companies with several partners, or those that need multi-party signing, go through the corresponding corporate process. This path takes more documentation than the digital option, since the bank must record who is authorised to sign and in what combination.

Choosing between them A sole owner can start with PJ Digital, and a company with partners should expect to open Conta Empresa. The listed company country is Brazil, and the currency is BRL. Monthly fees, card terms and onboarding documents are not given in the material, so these should be taken from the bank before applying. A growing sole proprietorship may want to ask about moving to the corporate account when partners join.