Banco Inter Empresas
Bottom line
Banco Inter Empresas is a free business account from a licensed bank (FGC up to BRL 250,000) with a super-app combining investments, FX, and insurance - ideal for SMBs wanting banking and cash management in one place.
| Rating | 4.3 / 5 |
|---|---|
| Type | Licensed bank (Banco Inter S.A.) |
| Best for | Small and medium businesses wanting a free super-app account with investments |
| Serves | Brazil-registered companies (CNPJ holders) |
| Deposit protection | FGC (Fundo Garantidor de Creditos) up to BRL 250,000 per CNPJ per institution |
| Pricing from | Free (no monthly fee on the core account) |
Banco Inter began life as a traditional Minas Gerais bank and has transformed into one of Brazil’s leading digital banking super-apps, serving both consumers and businesses. Its business product, Banco Inter Empresas, offers a free current account with a broad suite of integrated services including investments, insurance, shopping cashback, and business credit – all inside a single app.
Because Banco Inter holds a full banking licence, business deposits benefit from FGC protection, which separates it from many newer payment-institution competitors. The super-app model is its strongest differentiator: businesses that want to keep current accounts, investments, and FX in one ecosystem often find Inter a compelling choice.
Is Banco Inter Empresas available for Brazilian businesses?
The Banco Inter Empresas account is available to MEIs, MEs, EPPs, Ltdas, and S/As registered in Brazil with a valid CNPJ. Onboarding is digital via the Inter app or website. You will need your CNPJ, Contrato Social (or CCMEI for MEIs), and identity documents for all partners. Approval timelines vary by company structure; simpler entities such as MEIs are typically approved within one to two business days.
Regulatory status and deposit protection – read this first
Banco Inter operates as Banco Inter S.A., a licensed bank regulated by the Banco Central do Brasil (Bacen). Deposits held in the Banco Inter Empresas account are eligible for coverage under the Fundo Garantidor de Creditos (FGC) up to BRL 250,000 per CNPJ per institution, subject to FGC rules. This is the same statutory guarantee that applies to traditional chartered banks in Brazil. The FGC protects demand deposits and certain other products in the event of bank failure. Confirm specific product eligibility with Banco Inter and at fgc.org.br.
Pricing and plans
| Plan / Service | Monthly cost | Notes |
|---|---|---|
| Conta Empresas (current account) | Free | No monthly maintenance fee |
| Inter Empresas card (Mastercard) | Free | Credit subject to approval; debit included |
| Pix transfers | Free | Unlimited |
| TED outbound | Indicative: from R$ 3 per transfer | Confirm with Inter |
| Boleto cobranca | Indicative: from R$ 2-4 per boleto | Confirm with Inter |
| International wire (FX) | Indicative: spread + fee per transaction | Confirm with Inter |
Fee schedules change; confirm current pricing at bancointer.com.br before opening.
Key features for small businesses
- Free business current account with no monthly fee
- Integrated investment platform (CDB, LCI, funds) directly in the app
- Business credit lines and working capital products
- International transfers and FX services
- Boleto collection and Pix QR codes for customer billing
- Business insurance marketplace
- Shopping cashback via Inter Shop for business purchases
- Multi-user access with partner management
Pros
- Full banking licence – FGC deposit protection to BRL 250,000
- No monthly fee on the current account
- Super-app breadth: investments, insurance, FX, credit in one place
- Good investment options for businesses with idle cash
- Established institution with a long track record
- Competitive Pix and basic transfer experience
Cons
- App can feel complex given the breadth of services
- Credit approval for newer businesses can be conservative
- Some advanced business features lag behind specialists like Conta Simples for expense management
- Customer service responsiveness can be slower during peak periods
- Not ideal for complex multi-entity corporate treasury needs
Who should use Banco Inter Empresas?
Banco Inter Empresas is a strong fit for small and medium businesses that want a free licensed-bank account with investment capabilities built in. It appeals particularly to business owners who want to put idle working capital to work in CDBs or funds without needing a separate brokerage, and to those who value having FX access alongside their current account. Freelancers and MEIs wanting the simplest free account may find Nubank PJ’s cleaner app more intuitive.
Verdict
Banco Inter Empresas earns a 4.3 out of 5. It delivers a strong combination of full banking-licence security (FGC coverage), a zero-fee current account, and an unusually broad super-app offering that includes investments, credit, and FX. The trade-off is a slightly more complex interface than simpler competitors. For businesses that want to consolidate financial services in one place with the safety of a licensed bank, Inter Empresas is a compelling choice.
Fees, features, and FGC eligibility rules can change. Always confirm current terms on Banco Inter’s official website (bancointer.com.br) and at fgc.org.br before opening an account.