Banco do Brasil

Universal bank · Brasília, Brazil

Banco do Brasil was founded in 1808, is 50% owned by the Brazilian federal government and is the second largest bank in Brazil with about 86,000 employees and R$2.5 trillion in assets at December 2025. It is the country's main agribusiness lender and its largest trade finance bank, offering ACC and ACE export advances of up to 100% of export value and a US$700 million MSME trade finance line guaranteed by MIGA in June 2025. Small companies can open the Conta PJ Digital with no monthly fee entirely online and sweep idle balances into the BB Rende Fácil CDB at up to 100% of CDI. Abroad it owns BB Americas Bank in Florida, Banco Patagonia in Argentina and Banco do Brasil AG in Vienna, with branches in London, New York, Tokyo and Shanghai. Agribusiness defaults rose to 5.34% in the third quarter of 2025 and cut quarterly profit by 61%.

Legal name: Banco do Brasil S.A.
Regulated by: Banco Central do Brasil, CVM (Brazil), Federal Reserve and FDIC (BB Americas Bank, Florida), PRA/FCA (London branch, UK establishment since 1971), FMA Austria (Banco do Brasil AG, Vienna), BCRA Argentina (Banco Patagonia)
Licence confirmed: yes, on a regulator's own list
Established: 1808
Website: www.bb.com.br

Scores, 0 to 10

9.0Latin America, Africa & South Asia

Second largest bank in Brazil with a R$1.1 trillion loan book, native Pix, a free online business account and Banco Patagonia in Argentina. · source

7.5Best interest on business balances

BB Rende Fácil PJ automatically applies the end-of-day balance to a CDB paying up to 100% of CDI with daily liquidity and FGC cover up to R$250,000 per CNPJ. · source

7.5Trade, manufacturing & import-export

Provides ACC and ACE export advances, export prepayment from overseas branches, and a MIGA-guaranteed US$700 million MSME trade finance line, and acts as a foreign trade agent by delegation from Secex. · source

6.5Lowest fees

Conta PJ Digital has no monthly fee, while service packages for larger companies follow a published tariff table effective 6 August 2026. · source

6.5Online businesses: e-commerce and SaaS

Cielo, one of Brazil's largest acquirers, is jointly controlled by Banco do Brasil and Bradesco, which took it private in 2024. The Portal Developers BB publishes APIs for businesses to connect to Banco do Brasil services. · source

6.0Cross-border payments, FX and multi-currency accounts

The bank is Brazil's largest export FX and trade finance provider with offices in 23 countries, but publishes no currency count or FX margin for business clients. 49 offices in 23 countries with business offices focused on Brazilian companies abroad, and no published multi-country cash pooling. · source

6.0Fast digital onboarding

Conta PJ Digital is opened 100% online for companies with a Brazilian CNPJ; foreign companies without a Brazilian entity are not served. · source

6.0Customer satisfaction

Reclame Aqui shows 7.6 out of 10 ('Bom') over six months with 99.6% of 26,303 complaints answered and 76.9% resolved; no Trustpilot data with meaningful volume was found. · source

6.0Business cards (Visa, Mastercard)

Banco do Brasil account holders get international Visa and Mastercard debit cards that also draw on a loan account; the business cards page could not be opened today. · source

5.5Financial strength & stability

Ratings of BB (S&P), Ba1 (Moody's) and BB (Fitch) are sub-investment grade, CET1 was 12.23% at December 2025, and agribusiness defaults hit 5.34% in 3Q25. · source

5.0On-ramp: buy crypto with fiat

Clients can buy bitcoin and ether inside BB since January 2026, reported as an investor product, and no BB policy on company payments to Brazilian exchanges was found, so the business side is unverified. · source

4.5Off-ramp: crypto to fiat in a business account

Selling the direct bitcoin and ether holdings returns reais to the client account, but no published process for companies receiving exchange proceeds was found, checked September 2026. · source

4.5Bitcoin

Bitcoin is available as direct investment since January 2026 and through BB Asset funds such as the BB MM Bitcoin FIF launched in August 2025 from BRL 0.01, both aimed at investors rather than company treasuries. · source

4.0United States

BB Americas Bank in Coral Gables serves retail and business clients in English, Portuguese and Spanish, and the bank keeps New York and Miami branches, but coverage is limited to Florida and New York. · source

4.0Crypto-friendly bank

Banco do Brasil was the first state bank to test tax payments in cryptocurrency through the Bitfy wallet, but publishes no policy for banking crypto exchanges or VASPs. · source

4.0Fintech companies that need a partner bank

No BaaS, safeguarding or sponsor-bank programme is published; fintech links run through the Bitfy wallet partnership and co-control of the acquirer Cielo. · source

4.0Startups & VC-backed companies

Business pages list accounts, credit and investments by company size but no startup-specific unit, venture debt or founder programme. · source

4.0Crypto wallet and custody for a business

Valor reported on 7 September 2026 that Banco do Brasil has offered direct bitcoin and ether investment to clients since January 2026, with over BRL 11 million traded; no company account version or business custody terms were found, and the report is press rather than a bank product page. · source

4.0Ethereum

Ether is offered only as the direct investor product reported since January 2026, with no staking or transfers for companies found. · source

3.5Europe (EU, EEA, Switzerland)

Banco do Brasil AG in Vienna is a licensed Austrian subsidiary and the bank keeps a Lisbon business office, while retail branches in Portugal and Paris were closed to focus on large companies. · source

3.5United Kingdom

A London branch has operated as a UK establishment since 8 June 1971 (SWIFT BRASGB2L) and issues bonds, serving corporate clients only. · source

3.5Asia-Pacific (SG, HK, AU, JP, KR)

Retail branches in Japan (Hamamatsu, Nagoya and others) were preserved for the Brazilian community and a Shanghai branch operates, with no SME onboarding in Singapore, Hong Kong, Australia or Korea. · source

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

Banco do Brasil publishes no prohibited-industries list on its business pages. · source

3.5Accept crypto payments

Since February 2023 users of the Bitfy app can pay tax and utility slips collected by BB with crypto, converted and settled in reais instantly through Bitfy as BB's collection partner; this is a named third-party route for public bills, not crypto acceptance for merchants. · source

2.5Foreign-owned & non-resident companies

A foreign company can bank only through a Brazilian entity with a CNPJ and a Brazil-resident legal representative, with approval in 3 to 6 weeks. · source

1.5Stablecoins (USDC, USDT and others)

The September 2026 Valor survey of Brazilian bank crypto offers lists only bitcoin and ether for Banco do Brasil, and no stablecoin account or payout product was found at the bank. · 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.