Opening a PJ account on the Internet still needs to be delayed – 02/12/2018 – Market

The opening of a bank account via the Internet, authorized by the Central Bank last week, should be delayed by the big banks.

Until then, institutions were allowed to digitally open accounts for individuals and MEIs (individual microentrepreneurs).

Inter Bank was interested in offering the service quickly, but without setting a deadline for opening accounts. Until then, the bank offered payment accounts to large companies, explains Marco Túlio Guimarães, executive vice president.

It is planned to migrate these customers to the full account, but the way this will be done is not yet defined.

The mining bank, which has 1.5 million account holders (of which 2% are businesses and 8% of the MEIs), has expanded its customer base by opening digital accounts by application and at no cost.

"These companies were very poorly served in the big banks, it is very difficult to open the account.There is an opportunity to reach a big market," said the executive, citing the 20 millions of public companies in the country.

In the big banks, the debit should be lower because neither the MEI accounts are open without the customer.

Bradesco announced in a note that it was planning to open accounts for DCs on the Internet as of the first quarter of 2019 and added that "it will allow this service option [para empresas maiores] the most Quickly possible according to the MEI account. "

At the bank, the lowest rate for MEI is R $ 25. Larger companies pay a minimum of R $ 49.75.

In Santander and Banco do Brasil, it is possible to start opening a computer-based business account, but for the service to work, the entrepreneur has to go to an agency with documentation for sign a contract.

In practice, the institutions were not serving the microentrepreneur, who had already been exempted from this procedure by the Central Bank.

BB offers an MEI account for R $ 17; other companies pay starting at R $ 48 (basic package). In Santander, there is no basket of services for MEI and the simplest account for business costs R $ 49.50 per month.

Itaú stated that it badessed the online opening of the current account of legal persons, in accordance with the new regulation of the Central Bank. In the country's largest private bank, the lowest monthly payment for business starts at R $ 77.