BTG Pactual Empresas

BTG Pactual Empresas is the business banking offer of BTG Pactual for Brazilian companies. It centres on the Conta PJ, a corporate account that the bank lists with a zero monthly fee, and it is available to companies holding an active CNPJ, including MEI entrepreneurs.

Services

The account is built around Pix, the Brazilian instant payment rail, which is the only payment channel named in the profile. Alongside everyday account operations, the bank lists payroll handling and business cards, so a company can pay staff and issue cards from the same relationship. Accounts are denominated in Brazilian reais (BRL).

Credit and eligibility

Lending is not part of the standard account: according to the company, credit is granted only after a separate approval. Eligibility is tied to a valid CNPJ, so the offer is aimed at companies registered in Brazil rather than foreign entities.

Who it suits

The product fits Brazilian small and mid-sized businesses, including sole-proprietor MEI holders, that need a no-fee current account with Pix and payroll in one place. Companies planning to rely on credit, or needing accounts in other currencies, should confirm the terms with the bank before applying.