Fellow foreigners,
Did any of you open bank accounts here with your Brazilian partners before you got any Brazilian IDs or proof of salary? Like, were you able to register as a dependent on your Brazilian partner's account with only your passport, CPF, and a bill in your name?
If so, was it a savings account or checking account?
And which bank did you have any luck at?
Last question: Can someone sedate me before I go postal on all the bureaucrats in this country? Thanks.
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I was able to open a bank account at HSBC during the first week of my arrival, but it was with the help of my employer (who technically brought me). I had a CPF from my last stay in Brazil but the other Americans didn't and were still able to, so I'd say my case was special.
ReplyDeleteI do want to add, however, that I'm glad to have opened an account with them (I mean, they suck like every other bank) because I can easily transfer money from my account here to my HSBC account in the US for a decent price.
Good luck!
Hi Meredith,
ReplyDeleteThanks for an information, but I'm trying to open an account WITH Alexandre. Is your husband's name on your account? Also, I imagine your case is different because you had a job so you already had your carteira de trabalho. Did you open an account with your husband the first time you were in Brazil?
Hey Danielle- They let me add on to Carlos' already established savings account, with my official temporary documents.
ReplyDeleteNow that I have my real Green Card, they let me on the checking account, also.
Hi Jennifer,
ReplyDeleteThanks for that info. It looks like we're gonna have to do it that way -- put HIM onto my savings account.
I didn't have a carteira de trabalho at the time that I opened the account, nor do I have a national ID yet, but I'm sure this case is different than most. Sorry if I'm not too helpful.
ReplyDeleteI was not with my husband when I opened the account and I asked if I could later add him and I was told no problem. I never did, though, because he had to have an account with Banco do Brasil because of work so we never bothered.
Hey Danielle,
ReplyDeleteWe had luck both at Citibank and at HSBC. In both cases, Nick (who has temporary residency through the Mercosul accord) opened the account first and then I was added as an authorized user after the fact--for both checking and savings.
With Citibank, all I provided was my passport and CPF. With HSBC, I had already filed for (but not yet had approved) my own temporary residency. The gerente verified that I had a processo on the Ministério de Trabalho's website, but there was no further research or investigation done.
I would say that, since you're married to a Brazilian, you really should be able to show up to the bank with Alexandre and your basic documentation and have them add you to the account. This may, however, depend heavily on the gerente you deal with. And might I suggest taking the American, "you need to make this happen for me" attitude with you? It's seemed to be aid success in our experience...
I would echo what Meredith said about HSBC if transferring money to the US is at all a concern for you; they're quite literally the only bank on the planet that offers such a seamless, integrated service.
Bureaucracy's a lot of fun, no?
When we opened our business account a few weeks ago, we opened it jointly, no problems, but only because I happened to have a crap load of documents- our Brazilian marriage certificate, my Green Card, and notarized copies of my US ID (why was this important?)
ReplyDeleteThat's funny that you have to put him on your account.
I'm on Ricardo's bank account at Itau. But why don't you have your id? Anyways, they will want your RNE because you have been here so long. Or a driver's license. I was put on Ricardo's account just with my CPF and driver's license nothing more.
ReplyDeleteI don't think you can open account with so few documents after being here that long. Unless you play dumb and don't say anything to about anything.
Anyways, being on a joint account kinda sucks--I want my own. But I manage the money and I would rather keep it that way, then go rogue on my own account leaving Ricardo with free rein. Yikes, I'm mean.
oh, I have an idea. cry. cry at the bank. I heard that works. worked for my visa.
ReplyDeleteyes I did it without the official documents (well, with CPF and passport) and Yes I had to go on Ro's bank account (I don't have any documents in my name except for cell phone, which they said wasn't enough). He knew someone at the bank though, so they let me onto the chequing.
ReplyDeleteOtherwise, it would have been just savings I think....
I opened a bank account with Itau. I had my passport and that little bit of paper that they give you before you get your perm res card. Also, I had a letter addressed to me from my bank in Ireland. That said, it did take a number of trips to a number of different banks before I met someone who seemed normal.
ReplyDeleteLike several people have said, it really does depend on the manager. I opened my own checking account at an Itaú across the street from my apartment with my CPF, protocolo, passport, and a gas bill in my name (easiest thing ever to put in your name). I brought a holerite with me from my job but they didn't even want to look at it, ditto for carteira de trabalho, so those weren't necessary. I was done in 20 minutes. Do you still have a protocolo and not your actual RNE card? I'm surprised it's still valid.
ReplyDeleteI never really wanted a joint account, but my husband looked into it anyway at his bank and they said it would be no problem at all, they just needed my CPF and protocolo/RNE. I should say he does have Itaú Personalité, and I get the feeling they grease the wheels a little more there.
I would think Alexandre being there with you would help, as well as the usual tactics of puppy eyes and "oh, come on, there has to be a way..."
Hi Danielle.
ReplyDeleteThe whole problem boils down to one, you have CPF? if you can open an account at any bank.
Help plus the fact that you have a formal contract.
No proof of income you need, just Alexandre prove his income.
And yes, you have the right to check and debit card to drive the current account.
Suggest that Alexandre is the holder of the account for income tax purposes.
Oi Danielle.
O problema todo se resume a um só, voce tem CPF? se tiver, pode abrir conta em qualquer banco.
Ajuda mais o fato que voce tenha carteira de trabalho assinada.
Não há necessidade de voce comprovar renda,basta o Alexandre comprovar a renda DELE.
E sim, voce tem direito a cheque e o cartão de debito para movimentação da conta corrente.
Sugiro que Alexandre seja o titular da conta para fins de imposto de renda.