OCTIS vs Nubank PJ vs Inter PJ vs Cora for a Brazilian business
Three digital business accounts with no monthly fee. The differences sit in boletos, withdrawals, invoices and what each page leaves unsaid.
Last checked · 5 sources
Otty's short answer
All three show no monthly maintenance fee and free Pix. Cora is built around boletos and invoices, with a R$44.90 per month Pro plan. Nubank PJ is simplest if you already use Nubank, with a R$6.50 withdrawal fee. Inter gives 100 free TEDs per month. None of the pages states FGC cover, so ask before you hold large balances.
Side by side
Swipe to see every column
| What matters | OCTISHong Kong company + OCTIS global plan | Nubank PJ | Inter Empresas | Cora |
|---|---|---|---|---|
| Monthly fee | Set by our licensed partner; quoted before you commit | Zero maintenance fee | No maintenance fee | Free (opening and upkeep) |
| Pix | Collecting and sending payments via licensed partners | Free, unlimited | Free, unlimited | Free |
| TED | Sending payments in many currencies via licensed partners | Free, unlimited | 100 free per month | Free |
| Boleto issuing | Not needed for the Hong Kong company; local rules apply if you trade there | Fee not published | Free quota, size not stated | Free, limits may apply |
| Cash withdrawal | Set by our licensed partner; quoted before you commit | R$6.50 per withdrawal | Not published | R$9.90 per withdrawal |
| Card annual fee | Corporate card via licensed partners | Credit card, no annual fee | Debit card, no annual fee | Visa PJ, no annual fee |
| Paid upgrade | Set by our licensed partner; quoted before you commit | None stated | Not published | Cora Pro, R$44.90 per month |
| Issue invoices (NFS-e) | Not needed for the Hong Kong company; local rules apply if you trade there | Yes, in the browser | Not stated | R$0.49 with Pro, R$0.99 without. A1 certificate, some cities |
| Who can open | A Hong Kong company, with accounts via licensed partners | MEI, EI, EIRELI, LTDA | Not detailed on page | Company with a CNPJ. Check Cora |
| Legal entity named | OCTIS is not a bank. Accounts are with licensed partners | Nu Pagamentos, payment institution | Not stated on page | Cora SCFI S.A. in footer, issuer not stated |
| FGC cover | Not an OCTIS product | Not stated | Not stated | Not stated |
| Business credit | Not an OCTIS product | Working capital loan, rates not shown | Credit option, fee not stated | Credit, with fees |
If you have staff, premises or local sales in this country, its own registration and tax rules still apply. OCTIS can help you arrange them.
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Hong Kong company + OCTIS global plan
Choose OCTIS if your company sells in several countries and you want a multi-currency business account, corporate card, accounts and CRM in one place.
Nubank PJ
Choose Nubank PJ if you already bank with Nubank and want a zero-fee account with a no-annual-fee credit card.
Inter Empresas
Choose Inter Empresas if you want a free TED allowance and a bank brand with more product lines.
Cora
Choose Cora if you issue many boletos and invoices and want a paid Pro plan with API access.
What the table does not show
Where the real cost shows up
Monthly fees are zero on all three pages. Cost appears in cash withdrawals (R$6.50 at Nubank, R$9.90 at Cora, not published at Inter), in boletos past a free quota, and in paid tiers. Cora's fee page calls boleto issuing free and unlimited, yet also says some services are charged past limits without naming them. Inter's page promises a free monthly quota without a number. Treat boleto cost as Check current fee and read the contract.
Payment institution, financial company or bank
Nubank's footer names Nu Pagamentos S.A. as a payment institution. Cora's page names Cora Sociedade de Crédito, Financiamento e Investimento S.A. Inter's page does not name its entity in the text we read, though it trades as Banco Inter. These are different licence types under the Banco Central. None of the three pages mentions FGC deposit insurance. Check the Banco Central list of authorised institutions and ask the provider in writing.
Opening one as an owner or a foreign partner
Nubank requires the person opening to be an owner or partner, and asks for an RG, CNH or RNM if they are not already a Nubank customer. Cora does not list opening requirements on the pages we read. All three should need the company registered first, so a foreign founder must have the CNPJ in place. Pages do not describe special rules for foreign partners.
Where OCTIS fits
OCTIS is not a bank and does not open Brazilian accounts. If your Malaysian or Hong Kong company sells in Brazil and collects by Pix or boleto, your books still need the Brazilian statements. OCTIS bookkeeping keeps the Malaysian or Hong Kong side and can reflect a Brazilian subsidiary's figures in your group view. Ask about 10–30% off your current bill if you pay someone else today.
Frequently asked questions
Which Brazilian PJ account has no monthly fee?
Nubank PJ states zero maintenance fees. Inter says there is no maintenance fee on its Empresas account. Cora lists opening and upkeep as free. Fees can still appear for withdrawals, boletos past a quota, or paid plans.
Is Nubank PJ good for MEI?
Nubank lists MEI among the company types that can open the account. It has zero maintenance fees and free Pix. The page does not say what boletos cost, so a MEI who bills clients by boleto should compare with Cora first.
Is Cora a bank?
Cora's fee page names the entity as Cora Sociedade de Crédito, Financiamento e Investimento S.A. The page does not say whether Banco Central treats it as a bank or states FGC coverage. Verify with Cora and the Banco Central list.
Does Pix cost anything on a business account?
On all three official pages Pix is free. Nubank and Inter say free and unlimited. Cora lists Pix as free of charge. Your cost comes from other services, not Pix itself.
Can I open an account before I have a CNPJ?
No. Nubank starts with your CNPJ and Cora does not list requirements on the pages we read, so assume you need one. For a foreign founder, register the company first, then open the account.
Sources
Checked on the date above. Links open the provider's or regulator's own page.