The Best Multi-Currency Business Accounts in Brazil in 2026

Why keep business money in different currencies?

A business multi-currency account lets you receive foreign payments, keep separate balances and use the money before converting everything back into reais.

For example, dollars from a US customer could cover your next cloud-hosting bill, while euros from European sales pay a supplier charging in euros.

You avoid converting that part of your revenue into BRL and buying the same foreign currency again when the bill comes due.

Keeping foreign balances also means their value in reais changes, so I suggest leaving enough BRL available for payroll, taxes and other Brazilian expenses.

If you only need to pay an overseas invoice occasionally, international business money transfers can cover the payment without maintaining several foreign balances.

The best business accounts for foreign currencies

My suggestion is to choose around the currencies you receive and spend, then check whether your company can use the account's payment routes and limits.

Dollar and euro operations alongside C6 Empresas

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C6 Bank

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Several currencies for a wholly owned business

9.2

Wise

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"Wise Business is used by 300,000+ businesses each year. Easy integrations with Xero, QuickBooks, FreeAgent and more are available."

Five balances with a digital company card

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BS2

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Marketplace income and overseas client payments

8.6

Payoneer

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"Payoneer specializes in cross-border payments for freelancers, online sellers, and businesses. It offers local receiving accounts in major currencies and easy integration with global marketplaces."

US receiving details and dollar payments alongside Inter Empresas

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Inter

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C6 combines dollar and euro balances with your business banking

I like C6 for a company that receives in dollars or euros and wants to handle Brazilian and international banking through the same app.

The international account is separate from your BRL account, with USD and EUR balances that you can retain or convert when the business needs reais.

You can receive foreign wires, pay overseas banks and exchange dollars for euros between accounts belonging to the same company.

That last option is useful if your dollar sales fund euro purchases, although the 0.90% conversion spread still reduces what reaches the euro balance.

C6's company debit card also lets you pay from the foreign account, including online purchases and spending through Apple Pay or Google Wallet.

The drawback is the exchange spread, which rises from 2% for dollars and 2.5% for euros during business hours to 4% for both outside those hours.

My suggestion is to avoid buying currency at the weekend simply because the app stays open, unless waiting would disrupt a payment you need to make.

C6 costs

The opening charge is refunded if you hold at least R$20,000 in qualifying C6 CDBs or exchange at least US$100 or €100 by the end of the following month.

For a supplier needing the full invoice amount, I suggest using the wire option without foreign-bank deductions rather than choosing the smaller sending charge.

C6 works better for fewer substantial receipts than many small wires, because a US$10 receiving fee takes a larger share of a US$100 invoice.

Wise works well when you own the whole business

Wise gives you a wider range of balances and receiving details than the local USD/EUR accounts, but its Brazilian ownership requirements are restrictive.

Your company must have one owner holding 100%, and that owner needs to open the business account through their own personal Wise profile.

Supported structures include an individual entrepreneur or MEI, a qualifying single-owner limited company and a single-person law firm with an active CNPJ.

In my opinion, it suits a consultancy receiving dollars, pounds and euros, particularly when clients can pay through local banking routes instead of SWIFT.

You can keep more than 40 currencies, use receiving details for supported currencies and add team members with their own account permissions.

The business card is available in Brazil, so a matching foreign balance can cover a company expense without first converting the money into reais.

However, you cannot receive BRL into the Brazilian business account or send batch payments, which limits its role in your company's daily banking.

BRL-funded outward payments are also capped at the equivalent of US$5,000 per transfer including fees, so I suggest choosing another account for larger supplier invoices.

Wise costs

For US client invoices, the choice between ACH and wire changes your receiving cost even when the customer sends exactly the same dollar amount.

My suggestion is to separate the conversion fee from the payment fee, because paying an external bank can still cost money when both balances use USD.

Wise can handle the foreign part of your business, while your Brazilian PJ account covers local collections and the expenses you pay in reais.

BS2 offers five balances and a digital company card

In my opinion, BS2 is worth considering if USD and EUR alone are too limiting and you also receive or spend in pounds, Australian dollars or Canadian dollars.

Its international business account holds all five currencies, with a digital Mastercard that pays directly from the corresponding currency wallet.

This fits an agency receiving in several markets and paying software bills abroad, especially if you already use BS2 for the company's domestic banking.

You need a Brazilian BS2 business account first, and foreign funding comes from that linked account, other BS2 accounts or banks outside Brazil.

You cannot send money directly into the international account from another Brazilian bank, so move domestic funding through the linked BS2 account first.

The main limitation is the fixed incoming and outgoing payment charge, which can make a series of small invoices expensive to collect.

BS2 costs

For example, collecting four separate US$250 payments costs US$48 in standard receiving fees, while collecting one US$1,000 payment costs US$12.

The receiving-fee waiver can change that calculation for eligible platform income, so I suggest checking how your largest customers or platforms pay.

I also like the card's five matching wallets, although funding those wallets and paying Brazilian expenses still involve separate exchange or transfer costs.

Payoneer keeps marketplace revenue available for your next purchase

Payoneer is worth using when overseas platforms already pay your business through it, because you can retain that revenue and use it for supported business expenses.

You can receive into currency balances such as USD, EUR and GBP, then pay suppliers or withdraw the money to your Brazilian company bank account.

Local receiving details help clients pay in their own market, while marketplace connections reduce the need to arrange a separate payment for each sale.

My suggestion is to use it around the platforms your business relies on, rather than moving unrelated payments there solely to open another foreign balance.

The card can pay company expenses from an eligible currency balance, but matching the currency does not always remove the card's cross-border purchase fee.

This is where Payoneer can become expensive, because a receiving charge, withdrawal cost and card fee may all apply at different stages of the same month's activity.

Payoneer costs

The standard charges below depend on your account, platform and payment route, with negotiated packages available for higher-volume businesses.

The account's annual fee and card's annual fee are separate charges, so I suggest including both when working out the cost of occasional use.

If the money will immediately return to Brazil, compare the final BRL withdrawal amount with receiving directly into your Brazilian PJ account.

Keeping a balance pays off when you can reuse the currency, while collecting and converting everything immediately may remove much of that benefit.

Inter is a good fit for a business operating in dollars

Inter Global Account Business is a USD account, so I suggest it when US customers and dollar bills cover nearly all your international activity.

It gives your Brazilian company US receiving details and supports ACH and wire payments, alongside the domestic account you already use through Inter Empresas.

You can keep the money in dollars and move it back into your BRL business account when you need to cover Brazilian expenses.

This is simpler than opening several balances you will rarely use, although receiving euros or pounds does not create separate balances in those currencies.

ACH payments are free, while a US wire costs US$15, which makes the payment method worth agreeing with your customer or supplier before sending.

My suggestion is to keep an account with EUR or GBP balances if those currencies start appearing regularly on both sides of your business.

Inter costs

I like the free ACH option for routine US payments, but the exchange quote still decides the cost of bringing dollars back into reais.

The US partner-bank arrangement also differs from your Brazilian account, so do not treat the overseas balance as an ordinary FGC-covered Brazilian deposit.

Receiving details, cards and balances solve different problems

A foreign balance lets you keep money in its original currency, while receiving details decide how your customer can get that money to you.

For a US customer, an ACH payment into US details may be easier and cheaper than arranging an international wire to a Cayman Islands account.

But a company receiving occasional larger wires could prefer the foreign account connected to its Brazilian bank, especially when wider business banking is already there.

Cards add another use, although the card must support your company account and the currency being spent before it avoids another conversion.

I suggest checking these uses before paying for an account, because a long currency list will not help if your client cannot use its receiving route.

What will it cost to keep and reuse your revenue?

The account's monthly price is only part of the cost, with receiving charges and currency conversion often making a larger difference to a Brazilian business.

For a US$1,000 invoice, BS2's standard US$12 receipt charge takes 1.2%, while C6's US$10 charge takes 1% before any later conversion.

A supported domestic USD receipt into Wise avoids its US$6.11 wire fee, although the one-off registration cost still belongs in your first year's calculation.

Those examples compare receiving charges alone, with the customer's sending cost, your subsequent payments and the final BRL conversion still separate.

My suggestion is to price a normal month using the number of receipts, currencies retained, supplier payments and the amount eventually converted into reais.

A free account can cost more overall if you collect many small wires or repeatedly buy foreign currency outside business hours.

What Brazilian businesses should know about foreign accounts

These accounts belong to the company, so use its legal name and CNPJ rather than collecting business revenue through your personal travel account.

An overseas payment account also does not remove Brazilian accounting obligations, even when you leave the money abroad and never convert that particular receipt into reais.

Give your accountant the invoices, foreign-currency statements and exchange records needed to reconcile the revenue and movements through your company accounts.

If your company qualifies for a domestic foreign-currency deposit account, its bank may offer another route for retaining eligible receipts alongside its wider corporate services.

Companies with overseas assets reaching US$1 million equivalent at year-end must submit the annual CBE declaration, counting their total overseas assets rather than each account separately.

Quarterly CBE reporting applies from US$100 million equivalent at the relevant quarter-end dates, with reporting separate from your company's other tax and accounting requirements.

How safe are these accounts for business balances?

My suggestion is to separate the account's regulator from the protection covering its money, because those are different checks when deciding how much working capital to keep there.

Wise safeguards customer funds, and Payoneer keeps customer money separate from its own operating funds, rather than offering ordinary bank deposit protection.

C6 and BS2 international accounts use Cayman Islands operations, with BS2's international deposit service regulated by the Cayman Islands Monetary Authority.

The FGC excludes deposits and other funds raised abroad, so a Brazilian bank's brand does not automatically extend its domestic guarantee to an overseas balance.

Inter's US partner bank is an FDIC member, but deposit eligibility and account ownership determine the protection, and deposit insurance does not cover the payment company's failure.

I suggest keeping upcoming Brazilian operating expenses accessible at home, then holding foreign revenue around the payments your business expects to make in that currency.

How to set up the account around your business

I suggest comparing the cost of moving your business funds before converting retained revenue for your next overseas payment.

Frequently asked questions