Banco Bradesco

Universal bank · Osasco, Brazil

Banco Bradesco, founded in 1943 and headquartered in Cidade de Deus, Osasco, is Brazil's third-largest bank with 84,022 employees, 2,305 branches and 72.7 million customers. Business clients choose monthly service baskets from R$52.60 for MEI micro-entrepreneurs to R$550.70 for larger companies, with Pix, TED, boleto collection and Cielo card acquiring. Foreign trade desks offer ACC and ACE export advances, import letters of credit and international guarantees. Outside Brazil it runs Bradesco Bank in Miami, Banco Bradesco Europa in Luxembourg and branches in New York and Grand Cayman.

Legal name: Banco Bradesco S.A.
Regulated by: Banco Central do Brasil, CVM (Brazil), SUSEP (insurance), OCC/FDIC (Bradesco Bank, US), CSSF (Banco Bradesco Europa, Luxembourg)
Licence confirmed: yes, on a regulator's own list
Established: 1943
Website: banco.bradesco

Scores, 0 to 10

8.0Latin America, Africa & South Asia

Brazil's third-largest bank with 72.7 million customers (Q2 2026) and units in six countries besides Brazil; Pix for companies is offered, but PJ accounts are sold through monthly service baskets rather than instant digital opening. · source

7.0Trade, manufacturing & import-export

Full Brazilian trade finance range: ACC, ACE, NCE/CCE, import letters of credit, import collections, long-term import financing and international guarantees. · source

6.0Financial strength & stability

Moody's Baa3 stable and S&P BB stable; Tier I ratio 12.8% at June 2026 per the 2Q26 report, 15.1% pro forma for a proposed R$10bn capital increase; not a G-SIB. · source

6.0Business cards (Visa, Mastercard)

Bradesco issues business credit cards on Elo, Mastercard, Visa and American Express, including a Visa card for MEI with the annual fee waived on spend, and debit cards for business accounts. · source

6.0Crypto wallet and custody for a business

On 12 August 2026 Bradesco announced institutional custody for crypto, stablecoins and tokenised assets aimed at asset managers, funds and company treasuries, with the exchange Foxbit as its first client; the service is at its first-client stage and no fee table or controls are published yet. · source

6.0On-ramp: buy crypto with fiat

Bradesco now takes a crypto exchange (Foxbit) as a custody client and is preparing direct trading of ten crypto assets in its app, which points to open banking of exchanges, but in-app buying was not live in September 2026 and no business limits are published. · source

6.0Off-ramp: crypto to fiat in a business account

With exchanges as clients and custody for company treasuries announced in August 2026, Bradesco accepts crypto-related money, but it publishes no source-of-funds rules or payout times for crypto proceeds. · source

5.5Cross-border payments, FX and multi-currency accounts

FX and foreign trade desk offers exporter accounts abroad, ACC/ACE advances and international remittances through the app, with SWIFT as the only international rail. Corporate clients get cash management in Brazil plus international units in the US, Luxembourg, Cayman, UK, Hong Kong and Mexico, but no multi-country cash pooling product is published. · source

5.5Online businesses: e-commerce and SaaS

Receba Facil and Receba Mais baskets bundle Cielo card machine rental and registered boleto collection, with basket fees waived up to 100% when card receivables are centralised at Bradesco. Bradesco runs a developer marketplace for business APIs, but its business account pages returned an error today and no receiving account in USD or EUR is offered to Brazilian software firms. · source

5.0Bitcoin

Bradesco Asset runs a bitcoin price-tracking fund and Agora has sold Hashdex crypto funds since December 2024, while bitcoin custody for institutions was announced in August 2026 and in-app bitcoin trading is still being prepared. · source

4.5Fast digital onboarding

PJ accounts are opened via the Bradesco Net Empresa app or branches for companies with a Brazilian CNPJ; no stated opening time was found on the tariff or product pages. · source

4.5Ethereum

Ether is among the first assets named for Bradesco's planned in-app trading and its August 2026 custody service, but in September 2026 only fund-based exposure was live and no staking is offered. · source

4.0United States

Bradesco Bank in Miami is a US commercial bank with FDIC-guaranteed deposits serving corporate and institutional clients, plus a New York branch of Banco Bradesco S.A. · source

4.0Best interest on business balances

Monthly basket fees can be reduced depending on the value of investments held, but no automatic yield on business current balances is published. · source

4.0Fintech companies that need a partner bank

Bradesco owns the digital bank next and card issuer Bradescard, but publishes no sponsor-banking or safeguarding programme for third-party payment institutions. · source

4.0Customer satisfaction

Reclame Aqui score 6.8/10 (Regular) from 31,909 complaints and Trustpilot 3.1 from 53 reviews. · source

4.0Stablecoins (USDC, USDT and others)

Bradesco ran a stablecoin pilot for foreign trade payments in 2025 and includes stablecoins in its August 2026 custody platform, but it offers no stablecoin accounts or payouts to business clients yet. · source

3.5Lowest fees

PJ service baskets cost R$168.50 to R$550.70 a month, MEI basket R$52.60, stand-alone TED R$13.85, Pix QR receipts 1.45% of value. · source

3.5Startups & VC-backed companies

Startups are served through standard MEI and PJ baskets; no venture debt or startup banking unit is published. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, adult, cannabis or forex clients was found on the Bradesco pages opened today. · source

3.0Europe (EU, EEA, Switzerland)

Banco Bradesco Europa S.A. in Luxembourg is a subsidiary used mainly for Bradesco Global Private Bank and the Luxembourg-domiciled Bradesco Global Funds. · source

3.0Crypto-friendly bank

No public policy found; the 2024 Form 20-F contains no reference to cryptocurrency services for clients. · source

3.0Foreign-owned & non-resident companies

Bradesco business cards and accounts are requested with a Brazilian CNPJ through the Bradesco PJ app or a branch; no path for foreign-incorporated companies or owners abroad is published. · source

1.0Accept crypto payments

None of Bradesco's 2026 digital asset announcements include crypto acceptance for merchants, and no crypto payment method was found for its business clients, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.