FAQ

BB Americas Bank Clients with a Personal Checking or Money Market* Account can send money via BB Remessa.

*Money Market Account: By Regulation this account is limited to six (6) debit transactions per statement cycle. If you exceed the transaction limitations, your account will be charged a fee of $15.00 per excessive debit transaction. If you continue to exceed transaction limitations more than three (3) times within a 12 month rolling period, you will be notified by the Bank and the account will be closed or converted to a Checking Account. Your account may no longer earn interest.

Banco do Brasil S.A. Clients with an active Personal account and valid CPF can receive money through BB Remessa.

No, the recipient in Brazil must have a CPF that is valid and in good standing.

In order to sign up to the BB Remessa Portal you must be a Personal BB Americas Bank Client holder of a Checking or Money Market account. During enrollment you will be asked to provide us with your full Tax ID Number (SSN/ITIN or CPF) and date of birth as listed on your account record. The provided information will be used to authenticate your identity with a Verification Code, which will be sent to the cellphone number or email address associated with your BB Americas Bank account.

No, you cannot access the BB Remessa Portal via the Online Banking. You must create a new username and password to login to the BB Remessa Portal. See instructions on how to create your login access to the BB Remessa Portal.

The exchange rate applied to your money transfer request will be the exchange rate in effect and informed at the time you submit your money transfer request via BB Remessa. Exchange rate is guaranteed for up to 24 hours after submitting your money transfer request. In the event a BB Remessa money transfer request is initiated and not completed within 10 minutes, the exchange rate will expire.

To learn how to register or update your cellphone number and/or email address click here.

The following limits are in place for all BB Remessa money transfer requests:
Minimum Daily Send Amount: US$15
Maximum Daily Send Amount: Equivalent to R$9,999.99
Monthly Maximum Amount: US$50,000

For automatic crediting of BB Remessa money transfer requests from BB Americas Bank to a recipient’s Banco do Brasil S.A. account to take place on the following business day*, the following requirements must be met:

• Recipient’s name, CPF, bank account and branch numbers provided on the money transfer request must match the recipient’s account record at Banco do Brasil S.A.;
• Recipient’s records must be up-to-date at Banco do Brasil S.A.;
• Recipient must have provided Banco do Brasil S.A. authorization for the automatic settlement of money transfers received from abroad. Ask your recipient to verify with his/her respective Banco do Brasil S.A. Branch Officer if the authorization is in place and has not expired;
• Transfer purpose must be specified correctly on the money transfer request, in line with recipient’s account information at Banco do Brasil S.A.. i.e.: Resident Support or Availability Abroad;.
• The recipient in Brazil must have a CPF that is valid and in good standing;
• Money transfer request must be submitted by 3:30 pm ET.

*National Holidays in Brazil may impact the date on which funds are credited to the recipient’s account at Banco do Brasil S.A..

Note: Some International Money Transfers of up to R$9,999.99 can be released/settled by the recipient through Banco do Brasil S.A. Online or Mobile Banking. The recipient may contact his/her account manager at Banco do Brasil S.A. for guidance on how to release/settle money transfer requests via their Banco do Brasil S.A. Online or Mobile Banking access.

To view your money transfer request receipt(s) login to the BB Remessa Portal and click on the Activity tab. Once in the Activity tab, click on the Receipt icon . The receipt may be saved as PDF file.

You may request cancellation of a BB Remessa money transfer request within 35 minutes of the request being submitted. After 35 minutes the request can no longer be canceled.

To cancel your money transfer request login to the BB Remessa Portal, go to the Activity tab and click on the Cancel button next to money transfer request you would like to cancel.

Note: The Cancel button will only be available for 35 minutes following submission of a money transfer request.

You have the right to dispute errors in your money transfer request. If you believe there is an error in your money transfer request, or if you would like to receive a written explanation of your rights, please contact us within 180 days through the BB Americas Bank Client Support Center, or by sending us an email at remittances@bbamericas.com.

When contacting us, please inform:

• Your name and money transfer request reference number;
• The error or issue presented in the money transfer, and what you believe may have led to the issue;
• Recipient name and CPF number;
• The dollar amount of the money transfer request.

BB Americas Bank has up to 90 days after you contact us to determine whether an error occurred. Results of the investigation will be sent to you within 3 business days of conclusion. Should an error or issue be identified, BB Americas Bank will immediately take all necessary actions to correct the issue.

Note: BB Americas Bank is not responsible for incorrect recipient bank account information provided by the sender.

Before making a payment with your Apple device you will need to follow a few simple steps to enroll in Apple Pay™ and add your Credit or Debit Card.

• Go to Wallet and tap .
• Follow the steps to add a new card. If you're asked to add the card that you use with iTunes, cards on other devices, or cards that you’ve recently removed, choose them, then enter the card security codes.
• Tap Next. Your bank or card issuer will verify your information and decide if you can use your card with Apple Pay™. If more information is needed to verify your card, BB Americas Bank will ask you for it. When you have the information, go back to Wallet and tap your card.
• After BB Americas Bank successfully verifies your card, you will able to start using Apple Pay™.

If your debit card is not already recognized as the default card, do the following:

• Select the Settings icon on your compatible Apple device (Apple Watch users open the Apple Watch app).
• Select Default Card.
• Select the Institution for the Card you would like to use as your default card. If successful, a checkmark will appear next to that card.

First, make sure that the merchant accepts Apple Pay™. Look for these contactless payment and/or Apple Pay™ symbols at checkout.

When making purchases using the iPhone at a merchant equipped with a contactless payment terminal, simply hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep will let you know your purchase was successful.

First, make sure that the merchant accepts Apple Pay. Look for these contactless payment and/or Apple Pay symbols at checkout.

Once you confirm that the merchant accepts Apple Pay, unlock your Apple Watch if needed by entering your four digit PIN. Double tap the small button on the side of the Apple Watch to display your debit card. To make a payment, hold the Apple Watch a few centimeters away from the contactless payment terminal with the display facing towards the reader. A gentle vibration and beep will let you know your purchase was successful.

It depends on the merchant. In some cases you may need to sign a receipt or enter your PIN. If asked to verify the last four digits of your debit card number when making a purchase, provide the last four digits of the device account number. The device account number can be found by selecting the Settings icon on your compatible Apple device (Apple Watch users launch the Apple Watch app). Then scroll down to Apple Pay™, select the card and scroll down to view the Device Account Number.

You can use Apple Pay™ to make payments in stores and within mobile apps that display the contactless payments and/or Apple Pay™ symbols at checkout.

All transactions completed with Apple Pay™ will appear on your statement as a typical point-of-sale transaction.

The return process varies by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your iPhone or Apple Watch over the contactless payment terminal and wait for the slight vibration of the device to confirm the refund has been processed. You must use the same Apple Pay™ enabled device you used to purchase the item to process the return.

When your enrolled card in Apple Pay™ expires, or is replaced due to loss, theft or fraud, you will need to add it to Apple Pay™ as if it were new – either using the device camera or by manually adding the information. You must first delete your old card from Apple Pay™.

If you misplace your Apple Pay™ device, you can use the Find My iPhone app to temporarily suspend the device account number. If you believe that card is lost or stolen, you should contact BB Americas Bank Customer Service.
If you replace or update your Apple device, your card will not be transferred automatically. You will need to set up Apple Pay™ again and add your card to the new device.

When selling or giving away your Apple device you should make sure you delete all digital accounts in Apple Pay™. Alternatively, you may reset your phone to factory settings which will also remove all digital accounts.

Apple Pay™ is a convenient new way to pay at hundreds of thousands of merchants and mobile apps using your BB Americas Bank Visa® Cards and your iPhone, Apple Watch, iPad, Or Mac. Reaching for your wallet will become a thing of the past!

Yes. Apple Pay™ is even more secure than using a traditional card. Instead of using your actual debit card number, Apple Pay™ assigns, encrypts and stores a unique device account number on a dedicated chip on your device. When you make a purchase, that device account number is used to process your payment. Your actual card number is never shared with merchants or transmitted with payment, helping reduce the potential for fraud.

To use Apple Pay™ in stores you must have an iPhone, Apple Watch, iPad, or Mac.
You can use your cards on some Mac models, while signed in to iCloud. On Apple Watch Series 3 and later, and iPhone 8 and iPhone 8 Plus and later, you can add up to 12 cards on a device. On earlier models, you can add up to 8 cards on a device.

Not all merchants have adopted this technology. Please continue to carry your actual card to use where Apple Pay™ is not accepted. Most merchants will display the contactless payment and/or Apple Pay™ symbol to let you know they accept contactless payments.

At this time, Apple Pay™ is only available in collaboration with certain U.S. financial institutions. The availability of Apple Pay™ outside the U.S. is determined by Apple.

The payment cards on Samsung Pay are digital versions of your physical payment cards. If you lose your original payment card and then receive a replacement card, you will need to remove the original payment card from Samsung Pay and register the replacement card.

If you lose, replace or update your device, Samsung offers a free service to remotely lock or erase any personal data, including Samsung Pay. The service is called Find My Mobile and can be found a https://findmymobile.samsung.com

When selling or giving away your Samsung device you should make sure you delete all digital accounts in Samsung Pay. Alternatively, you may reset your phone to factory settings which will also remove all digital accounts.

Before making a payment with your Samsung device you will need to follow a few simple steps to enroll in Samsung Pay and add your BB Americas Debit and Credit Card.

• Go to the Samsung Pay app and Click on Cards.
• Select Add Cards.
• Follow the steps to add a new card. You might be required to download an app from your bank or card issuer to add a card to the App.
• Samsung Pay may prompt you to select a method to verify your card. NOTE: For clients with international phone numbers, you must select the e-mail address option.
• After your bank or issuer verifies your card, tap Done. Then start using Samsung Pay.

Samsung Pay can be used with any merchant whose terminal can accept Near Field Communication (NFC), and because Samsung Pay also uses Magnetic Secure Transmission (MST), it can be used virtually anywhere you can swipe your card. Look for these contactless payment symbols at checkout.

When making purchases using you phone Samsung phone at a merchant equipped with a contactless payment terminal, simply hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep will let you know your purchase was successful.

First, make sure that the merchant accepts Samsung Pay. Look for these contactless payment symbols at checkout.

Press and hold the upper Side button on your watch. Unlock your Samsung Watch if needed by entering your four digit PIN. To make a payment, press the “Pay” Button displayed on your watch and hold the Watch a few centimeters away from the contactless payment terminal with the display facing towards the reader. A gentle vibration and beep will let you know your purchase was successful.

It depends on the merchant. In some cases you may need to sign a receipt or enter your PIN. If asked to verify the last four digits of your debit card number when making a purchase, provide the last four digits of the device account number. The device account number will be displayed above the card in your Samsung Pay App under the “Last 4 digits for cashier”.

Samsung Pay is currently enabling simple in-app payments. Online purchases will be considered for future releases of Samsung Pay.

Samsung Pay can be used in any store whose terminal can accept Near Field Communication (NFC), and because Samsung Pay also uses Magnetic Secure Transmission (MST), it can be used virtually anywhere you can swipe your card. Look for these contactless payment symbols at checkout.

All transactions completed with Samsung Pay will appear on your statement as a typical point-of- sale transaction.

All purchases made with Samsung Pay can be returned according to the store’s policies. If you return an item paid for with Samsung Pay, the store may require you to tap your phone or watch onto either the card reader or the NFC reader to complete the return.

Samsung Pay is a convenient new way to pay at hundreds of thousands of merchants and mobile apps using your BB Americas Debit and Credit Card and your Galaxy Phone, or Samsung Watch. Reaching for your wallet will become a thing of the past!

Yes. Samsung Pay is even more secure than using a traditional card. Instead of using your actual debit and credit card number, Samsung Pay assigns, encrypts and stores a unique device account number on a dedicated chip on your device. When you make a purchase, that device account number is used to process your payment. Your actual card number is never shared with merchants or transmitted with payment, helping reduce the potential for fraud.

To use Samsung Pay in stores you must have a Samsung Galaxy S-series or Note phone. Samsung Pay is also available on Gear S2 and Later, as well as Galaxy Watch series. A total of 10 payment cards can be added to Samsung Pay.

Samsung Pay can be used with any merchant whose terminal can accept Near Field Communication (NFC), and because Samsung Pay also uses Magnetic Secure Transmission (MST), it can be used virtually anywhere you can swipe your card.

Due to Samsung's advance proprietary technology Magnetic Secure Transaction (MST), Samsung Pay can be used almost everywhere around the globe. If you are able to use your card in the country you are travelling to, you should be able to use Samsung Pay to make payments, as long as the merchants accepts Samsung Pay.

• US Citizens or Permanent Residents: If you applied to open an e-Classic, e-Savings, e-Money Market or e-CD, please send an email to onlineaccounts@bbamericas.com.
• Non-U.S. Citizens or Non-Permanent U.S. Residents - BB S.A. Clients, CAPES/CNPQ Prepaid Scholars or Employees of the BB S.A. Conglomerate: Please send an email to digitalbranch@bbamericas.com.

• US Citizens or Permanent Residents: Your online access will be available once your application is approved.
• Non-U.S. Citizens or Non-Permanent U.S. Residents - BB S.A. Clients, CAPES/CNPQ Prepaid Scholars or Employees of the BB S.A. Conglomerate: Your online access will be available once the initial deposit is received in full to your new account.

To request the closure of your online account, please contact Customer Service. Prior to doing so, please ensure to withdrawal or to make use of the available funds in your account. If the account is closed within the first six months (180 days), a "Closed Accounts (under 180 days)" fee will apply. Please refer to our Schedule of Fees for more details. After the sixth month (180 days), the account may be closed without a fee.

Dormant accounts are accounts that remain inactive for a period of 360 consecutive days (Checking or Money Market Accounts) or 720 consecutive days (Savings Accounts). The accounts will be classified as "Dormant" and become unavailable until reactivated. Additionally, a $15 monthly fee will be assessed each month that the account remains Dormant.

Our Customer Service Representatives are able to assist you regarding any matters related to your account. Any issues that the Customer Service is unable to help you with, the request will be forwarded to the responsible department by the Customer Service Representatives.

Our Customer Service is available to assist you 7 days a week.

Applicants must be 18 years of age or older.

Yes, all BB Americas Bank branches are able to assist you, regardless if the account was initially opened online.

Yes, you may add up to two (2) beneficiaries to your account. However, the beneficiaries are not account owners and have no rights to the account. In the event that the account owners are deceased, the beneficiaries are entitled to claim the available balance in the account which will be distributed amongst all named beneficiaries. To add a beneficiary to the account, the account holder needs to provide the beneficiary Full Legal Name and Date of Birth.

In the event that the account owner is deceased, the beneficiaries are entitled to claim the available balance in the account which will be distributed amongst all named beneficiaries.

Yes, the transfer limit is set per user, as long as each account holder has a different log in access to the BB S.A. Online Banking.

You are able to add a (1) joint owner to your application. However, both account holders must be a client of Banco do Brasil S.A.

No. You may reside in any country abroad the USA. However, in order to open your account online, you must be a Client and/or Employee of Banco do Brasil S.A. and/or a CAPES/CNPq Prepaid cardholder.

The initial deposit transfer to fund your account, must come from an account of the same ownership at Banco do Brasil S.A.

Yes, if you have a Banco do Brasil S.A joint account, you can choose to open an individual or a joint account with BB Americas Bank.

Yes, in order to open an account online, both account owners must be Banco do Brasil S.A. Clients.

Checkbooks are offered for the Gold Global account upon request. To request your checkbook, please contact our Customer Service or visit one of our branches.

The cards will be shipped to the mailing address provided on your application. For security purposes, we recommend that the shipping of your debit and/or credit card be made to an address of your ownership.

The Relationship Manager responsible for your Banco do Brasil S.A.’s account cannot intervene in your online account opening process. The account opening process will only be conducted with the applicant(s) itself.

Yes, you can request to open a new product physically at one of our branches, regardless if you opened your account online.

At the opening of your checking account online, you may select to open additional products (Savings, Money Market and/or CD). If you are an existing BB Americas Bank client, send an email to digitalbranch@bbamericas.com (from the registered e-mail on your account) with the subject line “Account Opening – Interest Bearing Account,” indicating the type of account in which you are interested in opening. Please include in the body of the email the following information:

• Type of interest bearing account you wish to open (Savings, Money Market and/or CD)
• Indicate the desired deposit amount

*Please note that Savings, Money Market and CD accounts can only be open along with a BB Americas Bank checking account.

It takes from 3 to 5 business days for Internatinal Wire Transfer to be credited to a BB Americas Bank account.

Yes, any Banco do Brasil S.A. individual client may transfer funds to your account.

The initial deposit should be made through an ORPAG (International Wire Transfer) from your Banco do Brasil S.A. account to BB Americas Bank.

The initial deposit amount varies according to each account type. Please check out the minimum initial deposit amounts by visiting our website.

The online account opening is available to Clients and/or Employees of Banco do Brasil S.A. and/or CAPES/CNPq Prepaid Cardholders.

The average processing time to open a Gold Global account online is up to 15 days after the receipt of required documents and the validation by the appropriate department*.

*This lead-time may vary according to the client’s availability of scheduling and finalizing the interview and completing the initial deposit.

BB Americas Bank clients have the convenience of banking with an American Bank, that offers assistance in English, Portuguese, and Spanish. In addition, BB Americas Bank provides a broad range of products and services designed to meet your needs. Among them, we offer online solutions to send and receive transfers to and from Brazil, credit cards, access to more than 40.000 fee-free ATMs nationwide, Relationship Managers specialized in the American market, Online and Mobile Banking.

You can make purchases, withdrawals, use Apple Pay, Samsung Pay and Pay Pal. In addition, you can receive transfers made through the BB S.A. App and transfer from Easy Account to BB S.A. through BB Remessa.

The Easy Account is exclusively for BB S.A. customers, Brazilian Citizens or Permanent Residents of Brazil, over 18 years of age and that have not been a BB Americas Bank customer in the last 12 months.

Yes. Even if your BB S.A. account is joint, the BB Americas Bank Easy Account allows only one holder.

The initial deposit must be made via transfer by accessing the BB S.A. App and clicking on Câmbio (Exchange) > Enviar ordem para o exterior (Send order abroad) > Nova transferência para o BB Americas (New transfer to BB Americas). The initial deposit can only be made when your Easy Account is approved.

No. Easy Account does not offer a checkbook.

Within 7 to 10 business days.

The delivery fee for the Debit Card in Brazil is US$15.00. The card will be delivered to the address in Brazil that was provided when opening the account.

No. The Debit Card will be sent to the address in Brazil that was provided when opening the account, within 7 to 10 business days.

With the Easy Account, it is possible to make transfers to BB S.A. through BB Remessa. Transfers (Wire Transfers e ACH External Transfers) to other institutions.

You cannot request checkbooks, deposit checks using the BB Americas Bank Mobile App, apply for credit cards, submit applications for Financing and Loans, make financial applications, pay bills using Bill Pay, use Zelle®, send domestic and international Wire and External transfers, except to BB S.A (through BB Remessa).

You may open an e-Classic Checking, e-Savings, e-Money Market and/or e-CD account online.

You will need a valid Social Security number, a U.S. government issued Driver’s License or State ID, and a U.S. address.

Your application is currently under review. If approved, our team will reach out to you via phone or email within 48 hours to inform you of the next steps.

The e-Classic account is available to U.S. Citizens or Permanent Residents. CPF holders that are Banco do Brasil S.A. clients, or a Banco do Brasil S.A. Employee or CAPES/CNPq scholars can open a Gold Global checking account online. Click here to learn more.

Yes, choose the option “I’m already a Customer”. For security purposes and to confirm your existing record with the bank, you will need to provide your personal information, as listed on your existing account, in addition to specific information associated with your existing 10-digit account number.

Yes. You will receive an email with your application number so that you may finish your account application at a later time.

These are electronic accounts and they do not require a signature card. You will be presented with an e-agreement that replaces the requirement of a handwritten signature, however any transaction that requires a signature will not be available to you via these accounts.

The available funding options to make the initial deposit to an account opened online are:

• For New Customers: You may move money from another U.S. Financial Institution via an Electronic Funds Transfer (ACH).
• For Existing BB Americas Bank Customers: You may move money from another U.S. Financial Institution via an Electronic Funds Transfer (ACH), or choose to fund your new account by moving money from an existing BB Americas Bank account that you already have.

The initial deposit may take up to 3 Business days to be completed, following the micro-deposit validation. Once the initial deposit is received in full, a confirmation message will be sent to your e-mail. Please note that the initial deposit is subject to a hold of 8 business days, in line with our Funds Availability Policy.

Your new e-CD account's initial deposit transfer must be made in a single transaction in the total amount specified on your application. The transfer cannot be less than US$1,000 or exceedUS$100,000 per account.

Wire transfers can be sent to an e-Classic, e-Savings or e-Money Market account at any time after your application has been approved and the initial deposit has been completed. Please refer our Schedule of Fees for applicable fees.

Yes. Outgoing wire transfers may be made through your Personal Online Banking account. Transfer restrictions will apply. For instructions on how to send a Wire Transfer through Personal Online Banking, see the Learn How section on our website.

E-Checking, e-Savings and/or e-Money Market accounts do not provide checks. However, you are able to use BB Americas Bank's Online Bill Payment service. Learn how to register for the Bill Pay service.

Customers wishing to change the product class will need to visit a local branch, request the closure of the existing e-account and request the opening of a new/regular checking/money market account.

No. Joint owners may only be added at the time of online account opening.

Yes, you may add beneficiaries to e-Classic, e-Money Market, e-Savings and e-CD after the account has been opened. To add beneficiaries to your account, please send an email to onlineaccounts@bbamericas.com requesting to add a beneficiary to your account. Please include the Beneficiary's Full Name, Date of Birth, and Tax Identification Number (Tax ID or CPF) in the email.

The “e” stands for “electronic”. It means your account was opened online and transactions that require a signature are not available.

The “Stop Payment” service is available through your online access. The fee for this service will be deducted from your account balance according to the Schedule of Fees.

Please be aware that we do not stop recurring payments permanently; i.e. an automatic debit set-up to reoccur on a defined schedule. In these cases, you will need to request a stop payment for each individual payment according to the set-up schedule. To permanently cancel a recurring debit, you will need to cancel the process with the merchant or service provider with whom you registered the automatic debit.

To re-open an account, bank management will have to evaluate the case. Please contact your branch directly.

To report fraud on your bank account, that is not related to your debit card, please contact Customer Service. To report fraud related to your debit card or credit card contact Customer Service and select the debit card and credit card fraud option.

Dormant accounts are accounts without any activity for twelve months. After a year of inactivity, the account is considered Dormant and a monthly fee is applied to the account. Please see our schedule of fees.

Your bank statements are available online at no cost. Please login to the online banking and select the statement option. To obtain a paper copy of your statements, your account will be charged an hourly fee for research and a fee per printed page according to the Schedule of Fees. The statement will be printed on letterhead and sent to the mailing address registered on the account.

To close your account, just visit one of our branches or contact Customer Service. We would like to remind you that accounts opened more than 6 months ago may be closed only when it has a zero balance.

To close an account that was opened in less than 6 months, an early closure fee will be applied as specified in the Schedule of Fees. For these cases, please leave enough funds in the account to cover the fee.

To reactivate your account, please contact Customer Service.

To include or remove a signer on your account, please contact your branch directly.

To change your name on your account, please contact your branch directly.

To update your email address and US phone number, please login to your Online banking account and visit the “Profile” section. To update international phone numbers and/or address, please contact our Customer Service Center.

Regulation D limits the amount of transfers, point of sale transactions and checks to a maximum combined total of six (6) per month. Any additional transaction made after the 6 covered transactions will incur a $15.00 excessive activity fee, per debit transaction. If you continue to exceed transaction limitations more than three (3) times within a 12 month rolling period will be notified by the Bank and the account will be closed or converted to a Checking Account. Your account may no longer earn interest.

To change your “tax ID” (CPF to SSN) on your account, please contact your branch directly.

A cashier’s check may be requested via our Customer Service line or personally at one of our branches.

We would like to remind you that considering that we need to validate your signature, owners of accounts that were opened online (E-Classic e E-Money Market) will not be able to request cashier’s checks through the Customer Service line. In order to make any transactions that require signatures, you will have to visit one of our branches.

• Money Market account holders: You are able to make unlimited deposits and ATM withdrawals along with six additional withdrawals and/or transfer per statement cycle, based on Federal Regulation D.
• Savings account holders: You are able to make unlimited deposits along with six additional withdrawals and/or transfer per statement cycle, based on Federal Regulation D.

Accessing your money is simple. You can:

• Transfer money from your BB Americas Bank account to your own account at another financial institution, directly on our Online Banking.
• Use your BB Americas Bank ATM Card to withdrawal funds at fee-free ATMs nationwide through the Allpoint Network. Locate an ATM.
• Request a domestic or international wire transfer by calling our Customer Service or by visiting a branch. Refer to our schedule of fees for the outgoing wire fee.
• Visit a local Branch.

Here is how you can make a deposit to your account:

• Make a check deposit remotely using our BB Americas Bank Mobile App
• Schedule a Direct Deposit to your account
• Transfer money between your own BB Americas Bank accounts via Online Banking
• Send a Wire Transfer from another bank
• Make a deposit at a local branch
• Make a deposit at a BB Americas Bank ATM
• Make a cash deposit at an Allpoint ATM
• Mail a check to:
  BB Americas Bank
  P.O BOX 11071
  Miami, FL 33101-9958

Yes. However, you will be accessed an “Early Withdrawal Penalty fee”. Here is how the early withdrawal penalty fee is applied:

• Accounts with terms up to 12 months: The penalty fee will be an amount equal to 90 days interest earned on the amount withdrawn.
• Accounts with terms greater than 12 months: The penalty fee will be an amount equal to 180 days interest earned on the amount withdrawn.

No, you may not. Once your CD account is open, the funds deposited are held for the length of the term chosen, until it matures. You will be able to add new funds once it matures and you will have a 10 day grace period to do so.

The CD account offers different interest rates according to the time period for which the full amount deposited will be withheld with no liquidity. After the account is opened, no transactions or deposits are allowed.

The Money Market account is a tiered account that offers different interest rates according to the total available balance per statement cycle. The account offers daily liquidity. You are able to make unlimited deposits and ATM Withdrawals along with an additional six transactions per statement cycle. There is a minimum balance requirement to earn interest and to waive the monthly service fee

You may view the interest rate for the Savings, Money Market and CD account, here.

BB Americas Bank offers the following interest bearing accounts: Savings account, Money Market account and Certificate of Deposit (CD) account. To see the current interest rates offered for these accounts please visit our rates page.

Yes, BB Americas Bank will accept a co-borrower for an auto loan.

No. BB Americas Bank consumer auto loan financing programs is only for auto financing.

BB Americas Bank only offers financing in the state of Florida and seller must be an autodealer not private seller.

Interest rate is dependent on the loan term and whether customer is buying new or used vehicle. Please refer to the New and Used Cars Loans pages for more details.

BB Americas Bank offers the following:

• New Cars: Payment terms up to 60 months
• Used Cars: Payment terms up to 42 months

There are no prepayment penalty fees. You may pay off either a portion of your loan or the entire amount at any time without incurring any fees or penalties.

BB Americas Bank minimum auto loan amount is $15,000, however the loan amount may not exceed $150,000 for new cars and $100,000 for used cars.

No, BB Americas Bank offers auto finance for the purchase of new or used vehicles.

For more information on applying for a BB Americas Bank small business loan or line of credit, please visit one of our local branches to speak to a business specialist.

BB Americas Bank offers the following online services through the Online Banking:

• Wire Transfers (domestic and international)
• Bill Payment - Some restrictions may apply. The service is not available for clients without a Social Security number and/or that reside outside the USA.
• Transfers between the same account holder’s BB Americas Bank accounts

Yes. After the Business account opening process is completed, you will receive an e-mail with your User ID & Password to obtain access to your account online.

Yes. You must be present to open a BB Americas Bank business account.

BB Americas Bank offers two types of Checking Accounts for Business; Classic and Gold. Additionally, we offer Savings, Money Market and CD accounts for all our business clients. The Money Market accounts, offers daily liquidity and floating rates. For CD accounts, the balance is retained for specific periods with fixed rates. This type of account does not allow additional withdrawals or deposits. Click here to see the current interest rates offered for our Savings, Money Market and CD accounts.

No. The company must be registered in the state of Florida.

• Articles of Incorporation
• EIN Number (IRS letter if the Tax ID does not appear on Sunbiz
• Operating Agreement/Proof Of ownership %/Bylaws
• Two unexpired Government Issued IDs per signer (i.e.: Passport, Driver’s License or ID card)
• Recent proof of address: bill or bank statement

BB Americas Bank routing number is 067012688.

Yes. The compatible browsers are: Internet Explorer, version 11, MS Edge, Chrome (current version), Firefox (current version), Safari, version 7.0+ and Safari for iOS, version 7+

In order to know the status of your long distance account opening process, please send an email to digitalbranch@bbamericas.com. Any communication with the Digital Bank team is done only via their e-mail channel.

We are available to open your account in person at one of our branches or online. Please be aware that the online account opening process is available only for clients that have a Social Security Number and also for Banco do Brasil S.A. clients that have an account in Brazil and that do not have a SSN. All you have to do is go to our website and click on the “Open an Account” tab.

For legal reasons, BB Americas Bank employees do not have access to Banco do Brasil S.A. accounts, system information or procedures and vice-versa.

Although BB Americas Bank is part of the Banco do Brasil group, they are distinct banks. BB Americas Bank is a domestic U.S. bank. Your accounts are not linked.

Although BB Americas Bank is part of the Banco do Brasil group, they are distinct banks. To speak to someone regarding your account with Banco do Brasil S.A. in Brazil, please contact the Banco do Brasil S.A. Customer Service.

Although BB Americas Bank is part of the Banco do Brasil group, they are distinct banks with separate operations. BB Americas Bank is a domestic U.S. bank guided by the United States banking regulations. We are a consumer bank that offers the same products and services as a local bank (checking accounts, savings accounts, debit and credit cards, mortgage loans, and investments, among others).

The locations of our branches are available on our website.

To contact your local branch, please contact our Customer Service line and further instructions will be provided.

To contact Banco do Brasil S.A., please call 4004-0001 (within Brazil) or +1 877 254-9251 (within the U.S.).

All customers that have an Online Banking access with BB Americas Bank can make international transfers to a Banco do Brasil S.A. account through our Send Transfers to Brazil service. Additionally, clients with a Social Security Number and a U.S. residential address can also send domestic transfers to other accounts by using our Bill Pay services.

Yes. However, you will be asked to provide us with a Valid ID.

International wires, sent from BB SA, should be credited to your BB Americas Bank account within 3 to 5 business days.

To verify the fees related to sending transfers to Brazil through our Send Transfers to Brazil service, please see our schedule of fees.

The transfer of funds service may be requested via our Customer Service line or personally at one of our branches.

Please visit our website and use the locator to find an Allpoint ATM that accepts cash deposits.

The limit is $1,000 per deposit.

The availability of the cash deposit funds is immediate.

There are no fees for BB Americas Bank clients for cash deposit services at Allpoint ATMs.

Cash deposits are only available for Checking Accounts.

If you made a withdrawal at an ATM with your debit card and the funds were not dispersed, please contact BB Americas Bank Client Services and choose the “report fraud” option in the debit card menu.

To locate a BB Americas Bank or partner network ATM, please use the ATM locator on our website.

To report a case where an ATM deposit was not credited to your account, please contact BB Americas Bank Client Services.

BB Americas Bank is an American bank, headquartered in the state of Florida, whose sole shareholder is Banco do Brasil S.A., a bank with more than 200 years of experience.

Since 2012, BB Americas Bank has been offering its customers innovative solutions with specialized service in 3 languages (Portuguese, English, and Spanish). BB Americas Bank has 4 branches located in the following cities in the state of Florida: Aventura, Lighthouse Point, Miami, and Orlando.

Due to the agreement established between your institution and BB Americas Bank, the first copy of the requested card is sent via regular mail, with no tracking number. We advise you to wait the estimated time for the delivery of the card at the destination address.

For clients who requested a card reissue with express delivery, the tracking number can be requested through the BB Americas Bank Prepaid Card Client Support Center.

Cards delivered in Brazil are sent via Correios and the tracking number can be requested through the BB Americas Bank Prepaid Card Client Support Center.

BB Americas Bank’s commitment to your institution is to deliver your card to the address on file with the Bank. We advise you to ensure that your information is up-to-date before requesting your card.

Based on the shipping method selected and from the day we place your order, the estimated delivery time frame is:

• Standard delivery in Brazil = up to 15 business days
• Standard delivery abroad = up to 30 business days
• Express delivery abroad = up to 15 business days

(The delivery times specified above are estimates and may change due to situations beyond the Bank’s control, such as natural disasters, stoppage of services, emergency situations, calamities, etc.)

To check the delivery estimate according to your address, please contact our BB Americas Bank Prepaid Card Client Support Center.

In case there are discrepancies between your current address and the address on file with your institution, a reissue card can be requested to the correct address. Please remember to always keep your information up-to- date to avoid delays in the reception of your Prepaid Card.

Tracking information available via the Correios website may present a delay. We advise you to contact Correios directly for more details.

Please contact FEDEX customer service. Your local FEDEX telephone number can be found on the FEDEX website at www.fedex.com. If the Prepaid Card was returned to the sender, please contact the BB Americas Bank Prepaid Card Client Support Center to request a new card.

The issuance of your initial card should be requested by your institution. The estimated time frame for delivery in Brazil via regular mail is up to 15 business days from the date we receive the request from your institution. The estimated time frame for delivery outside of Brazil via regular mail is up to 30 business days from the date of the request.

You can activate your Prepaid Card by telephone through the BB Americas Bank Prepaid Card Client Support Center.

To activate via the My Card Place Portal visit: https://bbamericas.mycardplace.com/cholder and enter your Prepaid Card’s 16-digit number in the Activate/Register Card field.

Note: Through the portal, we only offer the option to activate your card, which allows you to use the card only for purchases. For withdrawals, it will be necessary to create a PIN by contacting the BB Americas Bank Prepaid Card Client Support Center.

Your initial card PIN will be created during the activation call. The PIN will be used for withdrawals from your account or when using the card as debit.

To recover your password for online access, contact the BB Americas Bank Prepaid Card Client Support Center.

Make sure that the estimated delivery time for your card has passed (refer to question number 5).

If your card has not been delivered within the estimated time frame, please contact the BB Americas Bank Prepaid Card Client Support Center to confirm the delivery address.

We advise you to keep your information up to date with your institution, as BB Americas Bank will use this information to process and mail your Prepaid Card.

You can order a new card through the BB Americas Bank Prepaid Card Client Support Center. Please refer to the Table of Fees in the Terms and Conditions for more details regarding shipping fees.

Your Prepaid Card has a main account in US Dollars (USD). Any amount in another currency within your account will be held in subaccounts called sub-purses. In order to differentiate the main account and the sub-purses, the number in your Prepaid Card will begin with 5 and the sub-purses will begin with 92. Since your card offers multi-currency functionalities, your existing balance can be converted from one currency to another at any time.

Yes, through your online access to the BB Americas Bank Prepaid Card Portal.

Possibly, your allowance was deposited in a currency other than U.S. Dollars (USD). In this case, the amount was deposited directly into a sub-purse. If you cannot view the credit, contact the BB Americas Bank Prepaid Card Client Support Center.

Please contact your institution to check the status of your deposit.

The request to issue your initial Prepaid Card is made by your institution. As soon as the request is received by BB Americas Bank, the Prepaid Card will be issued and sent to the address provided by your institution.

To cancel your Prepaid Card, please contact the BB Americas Bank Prepaid Card Client Support Center.

Upon your institution’s request, BB Americas Bank will notify you by email of the cancellation of your Prepaid Card and the options available for you to use the remaining balance. For all applicable fees for withdrawal/purchases, consult the Table of Fees in the Prepaid Card Terms and Conditions.

To use your Prepaid Card outside of your location of study, the balance available in the main account must be in US dollars (USD) or the balance available in the sub-purse must be in the country’s currency. If the available balance is in US dollars (USD), it will be automatically converted to the country’s local currency.

The Prepaid Card balance return to CAPES or CNPq is carried out via online access, using the Card to Bank option. Before starting the transfer, it is necessary to obtain the CAPES or CNPq bank information in the United States.

In case of loss, theft, or suspected fraudulent activity on your Prepaid Card, we advise you to immediately contact the BB Americas Bank Prepaid Card Client Support Center.

Please be advised that, for security reasons, when a new card is requested, the current card is canceled, as only one card can be active at any given time..
If you suspect any fraudulent transactions, it will be necessary to open a dispute process, and a resolution may take up to 90 days.

If you have an urgent need for the card, we suggest requesting the new card via express delivery, considering that the estimated delivery time outside Brazil via regular delivery is 30 business days.

To report any suspected fraudulent activity on your Prepaid Card, we advise you to immediately contact the BB Americas Bank Prepaid Card Client Support Center.

For security reasons, when a replacement card is requested, the current card is closed, as only one card can be active at any given time.

In the case of an unauthorized transaction (purchase or withdrawals), it will be necessary to contact the BB Americas Bank Prepaid Card Client Support Center to dispute the transaction and, if the unauthorized transaction is confirmed, obtain a refund of the amount.

During your call, our agents will inform you of the documentation necessary to open your dispute, and will send you a form that must be filled out and returned to us within 10 days. Upon receiving the form within the required time frame, the Bank will apply a temporary credit to your Prepaid account. An investigation will be initiated with MasterCard and the settlement will be completed within a 90-day period. If the investigation determines that there was fraudulent activity in your account, the previously-applied temporary credit will remain, as a refund for the disputed transaction.

To make withdrawals of amounts that are higher than the allowed daily limit, we offer the Cash Advance option. This service is offered through a bank branch as described in the Prepaid Card Terms and Conditions.

Banks that offer MasterCard cards provide Cash Advance services.

Please refer to the Fee Table in the Prepaid Card Terms and Conditions for withdrawal/purchase limits. Fees are in U.S. Dollars and the fees in other currencies are the equivalent amount in that currency based on the current exchange rate.

It is the Prepaid Card cardholder’s responsibility to keep the delivery address up-to-date with their institution. If the address provided is incorrect and the card is returned, it will be necessary to request a replacement card.

The information about the daily limit for withdrawals and purchases can be found in the Prepaid Card Terms and Conditions available on our website. Amounts are in U.S. Dollars and the limits for other currencies are the equivalent amount in that currency based on the current exchange rate.

The Prepaid Card offers the option of Cash Advance, a service that allows customers to withdraw a higher amount of money than the established daily limit for ATM withdrawals. According to the Prepaid Card Terms and Conditions, the Cash Advance has a daily limit and must be carried out at a bank branch.

Please refer to the Prepaid Card Terms and Conditions sent with your Prepaid Card for more information on fees applicable to the use of your card.. Fees are in U.S. Dollars and the fees in other currencies are the equivalent amount in that currency based on the current exchange rate.

You can transfer money from your Prepaid Card utilizing the following services in your BB Americas Prepaid Card online portal:

• Card to Bank – Allows you to transfer funds from your Prepaid Card to any other account in the United States;
• International Transfer - Allows you to transfer funds from your Prepaid Card to any other checking account in the following countries: Belgium, Brazil, Canada, France, Germany, Great Britain, Greece, Ireland, Italy, Netherlands, Portugal, and Spain.
• Friends & Family - Allows you to transfer funds from your BB Americas Bank Prepaid Card to someone else’s BB Americas Bank Prepaid Card.

For additional information on how to complete these transactions please contact the BB Americas Bank Prepaid Card Client Support Center.

You can transfer money to your Prepaid Card utilizing the following services in your BB Americas Prepaid Card online portal:

• Card to Card - Allows you to transfer funds to your BB Americas Bank Prepaid Card using an American debit card (U.S.) or any international credit card.
• Bank to Card - Allows you to transfer funds from your U.S. checking account to your Prepaid Card.

Funds are transferred within 4 to 7 business days.

To cover a negative balance on your Prepaid Card, we advise you to check if you have any available balance in your different sub-purses that can be transferred to your main account. If so, you can convert your foreign currency into U.S. Dollars (USD) to cover the negative amount. Please note that fees may apply to this transaction.

If you do not have any balance available in a sub-purse, you will need to transfer funds to your Prepaid Card via a deposit.

Below are the available options to make deposits to your Prepaid Card:

• Card to Card - Allows you to transfer funds to your BB Americas Bank Prepaid Card using an American debit card (U.S.) or any international credit card.
• Bank to Card - Allows you to transfer funds from your U.S. checking account to your Prepaid Card.

Some transactions, depending on the merchant or point-of-sale venue, are only pre-authorized and will appear as “pending” in the system. The transaction amount will be placed in a temporary hold during the period established by the merchant. Most holds are removed automatically and the release may occur within three (3) to thirty (30) days of the transaction date. Our system will notify you when the period ends as “Expected Expiry”. The funds will be available for use only after the release.

Upon completion of your scholarship term, you will be required to use the full balance available on your Prepaid Card before the card/account is closed. Below you will find all available options to withdraw your money before you close your card:

• Purchases
• Withdrawals from MasterCard/Cirrus ATMs
• Card to Bank transfers
• International transfers

If you need to transfer your funds and do not have an active Prepaid Card, please contact the BB Americas Bank Prepaid Card Client Support Center to activate it.

You can pay U.S. bills such as water, electric, phone, etc. with your Prepaid Card using the Bill Pay service on the Prepaid Card website. If your bills are not from the U.S., you can only make payments to service providers that allow you to make payments directly through their own websites using your Prepaid Card.

For additional information on how to make bill payments, please contact the BB Americas Bank Prepaid Card Client Support Center.

For security reasons, when a replacement card is requested, the current card is closed, as only one card can be active at any given time.

Your Prepaid Card can be used to make online purchases. For websites that require the billing address of your Prepaid Card, you will need to provide the address that appears on your registration with your institution.. When in doubt, this information can be found through the BB Americas Bank Prepaid Card Portal.

The Terms and Conditions document comes with your Prepaid Card. If you did not receive this document, please contact the BB Americas Bank Prepaid Card Client Support Center to request a new copy.

Transactions made with your Prepaid Card can be viewed through your BB Americas Prepaid Card Portal. Select your main account in U.S. Dollars (USD) or the sub-purse according to the currency used for the payment in order to view the bank statement.

You can obtain your Prepaid Card statement at any time through your BB Americas Prepaid Card Portal.

Select your main account in U.S. Dollars (USD) or the sub-purse according to the currency you would like to view, as well as any specific transaction period.

At this time we do not offer the option of adding funds to your Prepaid Card from a bank account in Brazil. If you have made a transfer from Banco do Brasil S.A. to your Prepaid Card, the transfer will be returned. We advise you to contact BB S.A. for additional information regarding the transfer made.

Please make sure to allow the estimated transfer time for your funds to be received. If the funds are not received within the estimated transfer time frame, please contact BB Americas Bank Prepaid Card Client Support Center.

You will receive an email notifying you of the return of your international transfer.

Please be informed that your international transfer can be returned due to the following reasons:

• Unspecified by the Bank
• Bank cannot process
• Invalid Recipient Details

If you have any questions regarding the status of your international transfer, please contact the BB Americas Bank Prepaid Card Client Support Center.

The same services that are available through online banking are also available through the mobile app. Additionally, mobile deposit, for check deposits, is also available for all clients.

No, BB Americas Bank offers this service as a convenience.

Once you have deposited the check successfully, you should keep the check in a safe place for 30 days. After 30 days, and after you have confirmed the deposited funds have been applied to your account correctly, destroy the check and/or mark it “VOID”.

Yes, you may have multiple mobile devices and have access to the service. Go to the App store and follow regular app download process. You will also need to have online banking.

No, clients should take a picture of the whole check. They will be prompted to take a photo of the front and the back when the app prompts them to do so.
Note: Check must be endorsed.

BB Americas Bank mobile capture is also offered for business customers but for a larger volume of deposits, the RDC service may be more recommended. Speak to a banker
to find out about our RDC service for businesses.

After the deposit is submitted, clients may see one of the following statuses under “History” on the BB Americas Bank App for Mobile Capture.

• Accepted - The deposit has been approved and clients have access to their deposited funds.
• Pending - The funds deposited are in review.
• Failed - The deposit has failed. At this time, the customer will need to contact customer service for the reason of “Failed” deposit.

The maximum deposit Dollar limit for checks deposited through Mobile Banking is of $5,000.00 within a 5 business day period. If the total sum of multiple mobile check deposits within 5 business days exceeds the allowed deposit maximum of $5,000.00, exceeding amount will be made available in increments of up to $5,000.00 every 5 business days.

Total deposit will be made available on the next business day after the day of deposit, if made prior to the cut-off time. The bank’s cut-off time is 4:00 p.m. EST. Deposits made on a weekend, federal holidays or after the 4:00 pm cutoff time-EST-Monday-Friday will be processed on the following business day.

Although there is no limit to the number of checks that a customer may deposit through Mobile Banking, only one check may be deposited per transaction. It is important, however, to keep in mind the maximum deposit dollar limit of $5,000.00 within a 5 business day period. If the total sum of multiple mobile check deposits within 5 business days exceeds the allowed deposit maximum of $5,000.00, exceeding amount will be made available in increments of up to $5,000.00 every 5 business days.

We accept checks made payable to you, with a current date, drawn on a US bank. We do not accept money orders, cashier's checks, temporary checks, traveler's checks, or tax refund checks.

Enroll for Online Banking on our website and then register for Mobile Banking. Once enrolled for both services, proceed to download our BB Americas Bank App in the Apple App Store and the Android Market. To download the App, you will need to have access to the app store of the US or Brazil.

All clients with access to BB Americas Bank’ Online Banking, with any active consumer Checking, Money Market or Savings account and that have registered for Mobile Banking. Clients must have access to the BB Americas Bank App for iPhone or Android.

BB Americas Bank mobile capture is an easy way to use a mobile phone to deposit checks into your consumer checking, money market or savings account.

BB Americas Bank credit card APR may vary between 14.74% to 18.74% based on the credit card type.

Please refer to the Secured Credit Card Pricing Disclosure for details about our annual fee.

BB Americas Bank Secured Credit Cards are available for clients who reside in the USA and for international clients.

To open a BB Americas Bank Secured Credit Card, you must visit one of our local branches.

You may choose to add to the deposit to extend your credit line by speaking to your account representative.

BB Americas Bank’ Secured Credit Card serves as a vehicle for clients who are looking to build a good credit score history in the United States. BB Americas Bank will report your credit card activity to Equifax and Experian.

International clients, who open a Secured Credit Card without a Social Security Number, will not have their credit card activity reported.

If you choose to open your Secured Credit Card account with a checking account, it means that the amount deposited to the account will not earn any interest.

If you choose to open your Secured Credit Card account with a CD (Certificate of Deposit) account, it means that the amount deposited to the account will earn interest.

A secured credit card is a card that requires a cash collateral deposit that becomes the credit line for the card account. An Unsecured regular Credit Card does not require you to deposit a cash collateral to open the credit card account. Instead, the Bank will use your credit score history information to qualify you for a card.

A secured credit card is a card that requires a cash collateral deposit that becomes the credit line for the card account. For example, if you decide to open the credit card account with a $1,000 value, your credit card limit will be equivalent to $1,000. The cash collateral can be deposited to a regular checking account or to a CD (Certificate of Deposit) account, which earns interest. The Minimum Deposit for our Secured Credit Cards is as follows:

Minimum Deposit Platinum Plus Secured Credit Card: $20,000
Minimum Deposit Platinum Secured Credit Card: $3,000
Minimum Deposit Classic Secured Credit Card: $500

Access to your credit card account online is available through its own website, so you can view your credit card’s transactions, alert message enrollment, payment information and more. Please sign up on the website https://onlineaccessplus.com/bbacards/ and create a user name and password for your credit card’s information access.

Please see the Terms and Conditions for the credit card.

BB Americas Bank offers clients without a SSN or credit history a Secured Credit Card. To obtain this card the client will need to open a Certificate of Deposit (CD) account with a fixed interest rate. The credit card will be linked to the CD account and the credit limit will correspond to the investment amount.

To report credit card fraud, please contact the bank’s Customer Service and choose the credit card option or call the credit card Customer Service line directly as shown on the back of your card.

To report a lost or stolen credit card, please contact the bank’s Customer Service line and choose the credit card option or call the credit card Customer Service.

If you applied for a “secured credit card” in person at a branch, you will need to contact the branch where you filed your application.

For customer service related to your credit card, please contact the bank’s Customer Service and choose the credit card option or call the credit card Customer Service line directly as shown on the back of your card.

To add/remove an authorized user from a credit card account, simply call our credit card customer service line.

The bank will report the credit card activities to the credit bureaus and the history may appear on the authorized user’s credit report. This may positively impact an authorized user, by helping the authorized user to build a strong credit history, if:

1. The primary cardholder has a strong history of on-time payments.
2. The credit utilization rate is low. To calculate your utilization ratio, simply divide the total credit card balances by the total credit card limits of all your cards.

No, they cannot. Maintenance activities, such as requesting a credit card limit increase, adding another authorized user, changing the address/contact information listed on the card account, or trying to negotiate a lower interest rate is only allowed to be made by the primary cardholder listed on the account.

Authorized users are not held responsible for making payment towards the credit card’s monthly balance or to pay for any debts that may build up. The monthly balance statement is the primary cardholder sole responsibility.

Authorized users can make purchases by using the credit card issued on their names. The total credit line limit of the credit card account is shared between all users listed on the card account (Primary cardholder, co-applicant and authorized users).

An authorized user is someone who is given a card in his/her name and is allowed to make purchase with the credit card as if it were their own, but is not the primary cardholder of the credit card account.

The Debit card transaction ISA Fee is 3.00%. The International Service Assessment (ISA) is a foreign fee applicable to all VISA International Debit Card transactions and applies to any International transactions made in a currency other than U.S. dollars, regardless of the merchant or transaction location.

The currency conversion rates used to determine the transaction amount in US dollars is either a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date (which rate may vary from the rate VISA itself receives) or the government mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

You may use your BB Americas Bank debit card in any country that accepts VISA. However, before using your card abroad, please ensure to place a Travel Notice with the bank. To place a travel notice on your card, contact our Customer Service to inform us of your travel date(s) and destination. For more information regarding International Debit Card usage Fees, please refer to the Terms and Conditions of your account.

The estimated delivery time for the debit card to an US address is between 7 and 10 business days. Your card is shipped through Regular Mail, without a tracking number. The estimated delivery time for expedited debit card orders to an US address is between 2 and 3 business days. Your card is shipped through FEDEX, with a tracking number. Please refer to our schedule of fees for the cost of this service.

The estimated delivery time for the debit card to be shipped to a Brazilian address is between 5 and 7 business days. For security purposes, your card is shipped via UPS with a tracking number.

For other foreign countries, please consult the estimated delivery times on the chart below. Please refer to our schedule of fees for the cost of this service.

There are no fees for withdrawal at BB Americas Bank ATMs or ATMs within our partner network. Please see the schedule of fees for withdrawals outside of the network; within the U.S. and outside the U.S. Please see the Terms and Conditions for the conversion fee (ISA) for purchases and withdrawals outside the U.S.

Please refer to the tab Debit Card Activation.

To report a lost or stolen debit card, please contact Customer Service and choose the “lost/stolen card” option in the debit card menu.

To report debit card fraud, please contact Customer Service and choose the “report fraud” option in the debit card menu.

To use your debit card during your trip, you will need to contact Customer Service and register a travel notice.

You may Opt Out from the VISA Account Updater service any time, by contacting us at the following telephone numbers:

+1-855-377-2555 (USA)
4003-1448 (Brazil – major cities)
0800-881-1448 (Brazil – other cities)
+1-305-350-1100 (other countries)

Offers a seamless account update process, eliminating the cardholders need for a direct action. Provides uninterrupted service from participating merchants. Reduces negative experiences caused by declines.

A merchant has to be enrolled with the VISA Account Updater service for the information to update automatically. Please check with your merchant to see if they participate in the service.

Do you use your credit card to pay a bill automatically? Do you use your credit card to pay for a monthly insurance bill or for a utility bill or streaming service? If you do, then Visa Account Updater will automatically update your card information with these merchants when there is a change to your credit card information, such as a new account number or updated expiration date. The service is designed to save you from having to manually update your card information with the merchant.

The Debit Card activation and/or PIN reset is done through the link debitcardactivation.bbamericas.com

For more information please click here.

BB Americas Bank Clients – business or consumers – with a valid Debit Card. (Site does not work for Credit or Pre-Paid Cards).

Yes, the online Debit Card activation and PIN Reset work on both computers and smartphones/tablets.

Yes, the online Debit Card activation and PIN Reset work with all browsers, such as Safari, Explorer, Chrome, Firefox and Edge.

Yes. If you are calling from an American number and you are in the United States, please call 1-866-633-5293;

If you are calling from an American number and you are outside the United States please call the international number 1-770-248-5774.

If you are not calling from an American number and you are not able to activate though the link, contact our Customer Service.

Please make sure you are entering a valid information. For CPF users, follow the instruction: XXX.XXX.XXX-XX.

After 3 failed attempts your access will be blocked. A code will be sent to your e-mail registered to your account to self-unlock.

Contact our Customer Service if you are having any problem.

A Verification or Unlock Code is sent to your e-mail registered to your account, so it is important to know which e-mail address is on your account’s records.

Please verify if you have internet connection and check your junk/spam folder.

Contact our Customer Service if you are having any problem.

A confirmation e-mail should be sent within 1 hours after you conclude completely the process confirming that your Debit Card is active and ready to be used.

It is important to know which e-mail address is on your account’s records. Please also check your junk/spam folder.

Contact our Customer Service if you do not receive the confirmation e-mail within 1 hour.

Please try again later or contact our Customer Service.