How-toBanking & Finance

How to Open a Banco Rendimento Non-Resident Bank Account (2026 Guide)

Learn how to open a Banco Rendimento non-resident account (CNR) in Brazil. Step-by-step guide to fees, documents, PIX access, and digital banking for foreigners.

Total time9 min

Est. costFree

Steps8

Lucas Camargo

Market Analyst

Published August 30, 2026

How to Open a Banco Rendimento Non-Resident Bank Account (2026 Guide)

Documents needed

Valid Passaport
CPF Number

Reviewed August 2026

How to Open a Banco Rendimento Non-Resident Account in Brazil

Banco Rendimento is one of the few Brazilian financial institutions offering a specialized digital account for non-residents in Brazil, making it an option for foreigners who need broader access to Brazil’s financial system without becoming Brazilian tax residents.

The Banco Rendimento non-resident account, known as a Conta de Não Residente (CNR), provides access to services such as foreign exchange, PIX, domestic and international transfers, and selected Brazilian investment products, depending on the customer’s eligibility and account conditions.

Another relevant feature for international customers is Banco Rendimento’s dedicated service channel for embassies, diplomats, and consulates, supported by specialized staff. The bank also provides English-language support for non-resident customers, which can make the application and account management process easier for customers who do not speak Portuguese.

This guide explains how to open a Banco Rendimento non-resident account step by step, what information and documents you need to provide, how the identity verification process works, and how to access the account and use PIX after approval.

Banco Rendimento Profile

Founded in 1992, Banco Rendimento is a trusted Brazilian financial institution with over 30 years of experience connecting clients to the global market. Fully authorized and regulated by the Brazilian Central Bank and the Securities and Exchange Commission (CVM), the bank provides a highly secure and compliant foundation for both domestic and international banking.

Rendimento serves a wide range of businesses and local residents, it holds expertise in cross-border finance. The bank is structured to eliminate the traditional friction of international banking for companies and individuals.

What Services Does the Banco Rendimento Non-Resident Account Offer?

Depending on the account plan and customer eligibility, Banco Rendimento may offer:

Foreign exchange
International and domestic transfers
PIX
Fixed-income investments
CDBs and other investment products
Debit or prepaid card options, depending on the plan
English-language support for non-resident customers

Banco Rendimento’s current CNR offering includes two plans: Basic and Premium. The plans differ primarily in their fees and included services.

Banco Rendimento Basic vs. Premium Plans

When opening your account, you can choose between the Basic and Premium plans.

Basic Plan

The Basic plan has no monthly maintenance fee, but Banco Rendimento currently lists a R$150 annual registration renewal fee.

The plan includes:

Making international remittances
Receiving remittances from abroad
Unlimited PIX transactions
Domestic transfers
Foreign exchange services

TED transactions are charged separately at R$20 per operation, according to the bank’s current plan information.

Premium Plan

The Premium plan is currently listed at R$299.90 per month on Banco Rendimento’s Portuguese website and includes the registration renewal and TED transactions.

The plan also includes:

International remittances
Receiving remittances from abroad
PIX
TED transfers
Issuance of a prepaid card
Foreign exchange services

Why Does the Basic Plan Have a Registration Renewal Fee?

The annual charge should be understood as a registration renewal fee, rather than simply a bank account maintenance fee.

Banco Rendimento’s CNR offering is subject to the regulatory requirements made by the Brazilian Central Bank applicable to accounts held by non-residents, including maintaining updated customer information and documentation. The bank therefore applies a registration renewal charge to the Basic plan, while the Premium plan includes this cost.

Which Plan Is Better for You?

For most travelers and individuals who plan to spend extended periods in Brazil, the Basic plan may be more than sufficient if you primarily need PIX, Brazilian reais, international remittances, and occasional domestic transactions.

The Premium plan may make more sense for customers who expect to make frequent or higher-volume domestic transfers, particularly through TED, or who need the additional services included with Premium.

For customers making a large number of TED transactions, the Premium plan can potentially be more cost-effective because TED transactions are included.

Before choosing a plan, check Banco Rendimento’s current fees and terms, as pricing and included services may change.

Can the Account Be Opened Remotely?

Yes. Banco Rendimento states that its CNR can be opened 100% online, with the account generally opened within up to two business days after the required registration and documentation have been completed.

Can You Exchange Foreign Currencies for Brazilian Reais?

Yes. Banco Rendimento provides foreign exchange services and allows eligible customers to send and receive international remittances.

International transfers can be made through the bank’s foreign exchange channels, subject to applicable limits, documentation, exchange rates, taxes, and transaction requirements.

Can You Make TED Transfers?

Yes. TED transfers are available through the CNR.

However, the cost depends on the plan:

Basic: R$20 per TED transaction
Premium: TED transactions included

Does the Account Support PIX?

Yes. Customers with an eligible CNR can use PIX to make and receive payments and transfers in Brazil.

Banco Rendimento states that PIX transactions do not have a fee, although sending limits may apply. The standard sending limit for PIX is R$15,000, which can be increased upon request through Internet Banking.

Can You Get a Card?

Yes, depending on the plan.

Banco Rendimento currently lists prepaid card issuance as included with the Premium plan. In the Basic plan, prepaid and other cards can be issued separately. Card availability and conditions should be confirmed with the bank when opening or upgrading the account.

Can You Invest Through the Account?

Yes. Banco Rendimento offers investment options for eligible customers, including CDB and other fixed-income products, subject to the products available to non-resident customers.

How to Open a Banco Rendimento Non-Resident Account: Step by Step

1
Complete the Registration
Start the Banco Rendimento account application by completing the online registration form.
You will be asked to provide basic personal and residency information, including:
- Full name
- CPF number
- Mobile phone number
- Email address
- Country of residence
- Preferred account plan
Make sure the information matches the documents you will submit during the verification process.
You can access the form for the Non-Resident Account by clicking this link.
2
Choose Your Plan
During the initial registration, select the account plan that best fits your needs:
- Basic
- Premium
For most individual travelers and non-residents who need PIX, Brazilian reais, international remittances, and occasional domestic transfers, the Basic plan may be sufficient.
If you expect to make frequent TED transfers or need the additional services included with Premium, the Premium plan may be more appropriate.
Always check Banco Rendimento’s current pricing and plan conditions before submitting your application.
3
Confirm Your Information
After completing the registration form, you will receive an email asking you to continue your account opening process.
The email subject may appear in Portuguese as:
“Banco Rendimento - Confirme seu Cadastro”
Although the subject line is in Portuguese, the email itself may contain information in both Portuguese and English.
Follow the instructions in the email to continue the application.
4
Complete Identity Verification and Submit Your Documents
The confirmation email will redirect you to the next stage of the application, where you will complete facial identification and submit the documents required for your account.
The documents required may vary depending on your country of residence, nationality, tax residency, and individual circumstances.
Documents Required
For foreign applicants, Banco Rendimento may require:
- Valid passport
- CPF (Brazilian tax ID)
- Tax identification number from your country of residence, such as a U.S. SSN or an NIF in many European countries
- Proof of address abroad, such as a utility bill, bank statement, rental agreement, or other official document showing your residential address
- Proof of income or source of funds, such as a foreign tax return, employment documentation, or recent payslips
For Brazilian citizens living abroad, additional documentation related to their Brazilian tax departure status may be required.
Requirements can vary depending on the applicant and country of residence. Banco Rendimento’s own documentation for foreign customers lists CPF/NIF, passport, proof of residence, and income documentation among the requirements.
Do You Need a Brazilian Visa?
A Brazilian visa is not necessarily required simply to open a CNR, particularly because the account is designed for people who are domiciled outside Brazil.
However, the bank may request information or documentation concerning your legal status in Brazil depending on your circumstances.
Your visa or immigration status should therefore not be presented as a universal requirement for opening the account.
5
Wait for Account Confirmation
Once you have submitted your information and documents, Banco Rendimento will review your application.
The bank states that the CNR opening process can be completed within up to two business days, subject to the submission of all required information and the bank’s verification procedures.
If additional information or documents are required, the bank may contact you during the review process.
Once your application is approved, you will receive confirmation that your account is ready to use.
6
Download the Banco Rendimento App
After your account has been approved, download the Rendimento app to manage your account and financial transactions.
Banco Rendimento states that the app is available for iOS and Android.
7
Start Using PIX
Once your account is active, you can use PIX to make payments and transfers in Brazil.
PIX is Brazil’s instant payment system and is one of the most useful financial services for foreigners who spend time in the country.
If you are unfamiliar with PIX or want to understand how foreigners can use it, see our dedicated guide:
How to Create a Brazilian PIX Account as a Foreigner
8
Bonus - Non-Resident Account: What to Know
Opening a Banco Rendimento non-resident account can give foreigners access to a broader range of Brazilian financial services without requiring them to become Brazilian tax residents.
The account can be particularly useful if you need to hold Brazilian reais, use PIX, make domestic transfers, exchange currencies, receive or send international transfers, or access selected Brazilian investment products.
The Basic and Premium plans are designed for different usage profiles, so the best option depends on how frequently you expect to use the account and which services you need.
Because fees, limits, and available products can change, always check Banco Rendimento’s current terms before opening an account.
If you are comparing Banco Rendimento with other options available to foreigners, see our complete guide:
How to Open a Non-Resident Bank Account in Brazil: 2026 Guide
There, we compare CNR accounts, traditional Brazilian banks, international digital accounts, and digital wallets, and explain which option may be most suitable depending on your needs.