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Using Wise and Revolut in Brazil: what actually matters to know

Short answer
Opening a bank account in Brazil as a non-resident is extremely difficult, as neobanks like Nubank and Revolut strictly require a physical RNM card. Banco do Brasil is the most reliable traditional option for those holding a temporary VNJ protocol, though success may require visiting multiple branches.

From real experience

Opening a bank account in Brazil without residency is extremely difficult.
Online banks like Wise and Revolut require a physical RNM (residence card) and will not open accounts with just a CPF. Non-residents/tourists can try mobile wallets like RecargaPay or InfinitePay, though approval is inconsistent. For those with a VNJ Protocol (temporary paper slip before the physical RNM card), major banks like Caixa, Bradesco, Nubank, and C6 usually refuse service. The only bank with a realistic chance of accepting a paper protocol is Banco do Brasil, though you may need to try multiple branches.
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To open a bank account in Brazil, one typically needs a residency permit (VNJ).
With the VNJ protocol and proof of address, one can visit traditional banks like Banco do Brasil. Neobanks like NuBank may offer a simpler process. Banco do Brasil is often considered the main Brazilian state-owned bank. Wise is recommended for international transfers. Crédito consignado (deducted from salary) is a type of loan often associated with government employees but can be offered by various banks.
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Opening a bank account in Brazil with just a temporary RNM protocol (rather than the physical plastic card) is highly restricted.
Neobanks like Nubank and Revolut strictly require the physical RNM card. Traditional banks like Itaú often reject applications automatically at the system level despite manual manager initiation. Banco do Brasil (BB) remains the most reliable option for protocol holders, though card issuance takes about 2 weeks.
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To transfer money to Brazil without relying on cryptocurrency, a practical method involves obtaining the RNM (Registro Nacional Migratório).
Once the RNM is acquired, an account can be opened with Wise. Funds can then be transferred to the Wise account via services like KoronaPay, and subsequently, from Wise to a Brazilian bank account. This provides a traditional, regulated alternative for financial transactions.
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Opening foreign bank accounts like Wise or Revolut for Russian citizens has become more complex.
It often requires a verifiable foreign address, potentially necessitating additional documentation or proof of residency. Holding a Brazilian permanent residency card (VNJ) can simplify the process.
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For opening Wise or Revolut accounts, any foreign residential address, including one in Kazakhstan, is acceptable.
The primary requirement is having all necessary documentation readily available. Citizenship and residency status (VNJ) are less critical than the verified residential address.
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As of recent checks, there are no known Russian citizens in Kazakhstan who have successfully opened Wise or Revolut accounts.
An inquiry within a Kazakhstani chat group also yielded no positive confirmations.
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Related topics

• Obtaining and Using a CPF 💰 Banking for Tourists and Non-Residents 🛂 Extending Tourist Visa-Free Stays 💼 Getting a Tax ID (CPF) 🛂 Entry Documentation 🎟 Return Ticket Requirements

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