FAQ

BB Americas clients with a checking or money market* account can send money to individuals in Brazil who have a valid/regular CPF and an account at Banco do Brasil S.A.

* Money market account: By Regulation this account is limited to 6 transactions per statement cycle. If you exceed the transaction limitations your account will be charged a $20.00 excessive transaction fee. If you exceed the limitations in the account on three (3) separate times within a 12 month calendar period, the account will be reclassified to a classic checking account.

Only Banco do Brasil S.A. customers can receive a remittance from BB Americas.

No, your beneficiary in Brazil must have a valid / regular CPF.

Click here to check the daily exchange rate for remittances sent by BB Americas. Remember that your exchange rate will be determined by the day that you approve your transaction through WhatsApp, not necessarily the day that you requested the remittance.

Monday to Friday - Remittance request submitted until 2pm EST will receive the transaction approval via (WhatsApp) on the same day.
Remittance requests submitted after 2pm EST will receive the transaction approval via (WhatsApp) on the next business day.

Weekend or Holidays (USA) - Transfer requests submitted during this period will receive the transaction approval via (WhatsApp) on the following business day.

Yes. The only way to approve your transaction request is through your cellphone number registered to your account at BB Americas.

Yes. To approve your transaction you will need to reply to a BB Americas WhatsApp message that will be sent to the cellphone number registered for your account.

The transaction request will be cancelled and you will need to submit a new remittance request after your cellphone number is registered.

The transaction request will be cancelled and you will need to submit a new remittance request after the WhatsApp application is installed in your cellphone number registered in the BB Americas account.

Simply login to your online banking and follow this steps:

1. click in the button “profile admin”
2. choose the option “my profile”
3. add your cellphone number in your account.

Minimum Send Amount: US$15
Maximum Daily Limit: R$ 9,999.99 or US$2,999.99 (aggregated for the remitter, meaning, multiple transactions adding up to R$ 9,999.99 or US$2,999.99 in a day)
Monthly Limit: US$50,000 (aggregated for the remitter)

The automatic settlement of remittances from BB Remessa received by Banco do Brasil S.A. for credit in a beneficiary’s account will depend on the following requirements:

1. Beneficiary’s authorization registered with your relationship branch for automatic settlement of remittances received from abroad (ask your beneficiary to check with his/her branch officer if he/she has this authorization and if it is not expired)
2. Beneficiary’s authorization form must specify the type/purpose of transfer the account can receive from abroad. E.g. manutenção de residentes ou disponibilidade no exterior
3. Beneficiary’s bank account information, beneficiary’s name, and CPF number provided in the money order must exactly match the beneficiary’s records at Banco do Brasil S.A.
4. For settlement of remittances from abroad, the beneficiary must have an up to date register (MCI) at BB S/A in Brazil

Note: Payment orders up to R$ 9,999.99 or US$2,999.99 can be settled by the beneficiary through Banco do Brasil S.A. online banking or via mobile banking; ask your beneficiary to check with his/her Branch officer in BB S/A how to settle orders online or via mobile banking.

You have the right to cancel a remittance transfer within 30 minutes after you approve it through the WhatsApp message. To do so, you have to reply the word “cancel” to the phone number +1 (239) 238-5401 before the 30 minute grace period expires.

You have the right to dispute errors in your transaction. If you think there is an error, please contact us at:

BB Americas Customer Service by calling
USA +1-855-377-2555
Brazil – major cities 4003-1448
Brazil – other cities 0800-881-1448
Other countries +1-305-350-1100

When you do contact us, please tell us:
Your name and address or telephone number;
The error or problem with the transfer, and why you believe it is an error or problem;
The name of the person receiving the funds, and if you know it, his or her telephone number or address;
The dollar amount of the transfer.

We will determine whether an error occurred within 60 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation.

Note: BB Americas is not responsible for incorrect information from the beneficiary's bank account provided by the sender.

Your Card in Apple Pay is protected by “Touch ID” and/or your device “Password”. These features help prevent other people from using Apple Pay on your iPhone, iPad, or Apple Watch.

If you believe your device or Apple Pay Card information has been lost, stolen or compromised in any way, call BB Americas Customer Service immediately at the number on the back of your Card.

If your physical card has been lost or stolen, please call BB Americas Customer Service immediately and mention that you added your BB Americas card to Apple Pay. We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from Wallet or the Apple Watch app using the “Remove Card” option. When you receive your replacement card, you will need to add the new card to Apple Pay before making any Apple Pay purchases.

Tip: For iPhone or iPad, you can go to the Find My iPhone app to temporarily suspend, or permanently remove, the ability to make payments from your device, even if your device is offline. If you suspend your Card(s) using ‘Find My iPhone’ feature, you can reactivate your Card(s) simply by unlocking your device and entering your Apple ID "Passcode" when prompted.

The safety and security of your account information is of the highest importance.

As a security measure, you may receive a “verification required” message when adding your card to Apple Pay. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.

Additionally, when we review mobile wallet providers we look for payment safety, quality of service, and ease of use for our customers. When you make payments with Apple Pay and your BB Americas card:

• Your full card number is not shown to the merchant or to Apple Pay.
• All transactions are monitored by BB Americas’ risk and fraud detection systems.
• Purchases made using Apple Pay are protected by Zero Liability, so you won’t be held responsible for promptly reported unauthorized transactions.

No. BB Americas does not charge a fee for customers to use Apple Pay.

Your default card for Apple Pay is the card that is automatically used every time you make a purchase.

Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

For security reasons, you may be required to verify your BB Americas card by calling Customer Service and providing additional information. If necessary, Wallet app or the Apple Watch app will tell you how to verify your card.

If your information is verified, you should receive an app notification that your card is ready for Apple Pay. If you have not received a notification after an hour, please call us at the toll-free number on the back of your card.

Yes. For each Apple Pay enabled device (iPhone, iPad, and Apple Watch), you can load up to eight cards. Devices do not share cards, so if you want the same card on two different devices, you will need to load the card on each device separately.

Apple Pay will work with our consumer Credit and Debit cards.

Apple Pay-enabled devices include iPhone 6 and later versions, Apple Watch in stores, iPad Pro, iPad Air 2, and iPad mini 3 and later versions within apps.

For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/KM207105

Apple Pay works anywhere that accepts contactless payments, which includes over a million stores. Just look for the contactless payments symbol near readers at checkout.

To learn more about where you can use Apple Pay, please visit www.apple.com/apple-pay/where-to-use/

Apple Pay is a contact payment technology, as well as a feature on the latest iPhones and Apple Watch. It pulls your credit cards, debit cards, and other sensitive-payment data from the Wallet app, enabling you to use your Apple device as a wallet at store checkouts.

To learn more about Apple Pay, please visit www.apple.com/apple-pay

Checkbooks are offered for e-Gold accounts upon request. To request your checkbook, please contact our Customer Service or visit one of our branches.

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.

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

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 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 checking account.

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

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 an E-Gold account 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 clients have the convenience of banking with an American Bank, that offers assistance in English, Portuguese, and Spanish. In addition, BB Americas 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.

In the event that the account holders become deceased, the beneficiaries are entitled to the available balance in the account.

Yes, you may add up to two (2) beneficiaries to your account. However, the beneficiaries are not account holders. Consequently, the beneficiaries are not entitled to a debit card. In the event that the account holders are deceased, the beneficiaries are entitled to the available balance in the account. To add a beneficiary to the account, the account holder needs to provide the beneficiary Full Name and Date of Birth on the application.

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

Applicants must be 18 years of age or older.

Our Customer Service is available to assist you.

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.

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.

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 on the account. If the account opened online is closed within the first six months (180 days), a fee will apply. Please refer to our schedule of fees for more details. After the sixth month, the account may be closed without a fee.

No. Changes to the type of account cannot be made online, nor in person at one of our branches. You will need to close your existing account and open a new one.

Your online access will be available once the minimum initial deposit is received in full.

Enjoy the benefit of banking from where ever you are and at any time with our Online and Mobile banking. Also, if you need any assistance count with our Customer Service.

• US Citizens or Permanent Residents: If you applied to open a e-Classic, e-Money Market or e-CD, please send an email to accountcreate@bbamericas.com.
• International Customers – BB S.A. Clients and/or CAPES/CNPQ Prepaid Scholars: Please send an email to digitalbranch@bbamericas.com. Any communication with the Digital Branch team is done via their e-mail channel.

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 is a federal law that limits the number of transactions you can make on non-transactional accounts, such as Savings and Money Market accounts. Regulation D allows you to make six transfers and/or withdrawals per statement cycle, according to the criteria shown below. Any additional transaction made after that will incur a $20.00 excessive activity fee. If you continue to exceed these limits, the bank will notify you and your account will be closed or converted into a regular checking account. See below the types of transactions impacted by Regulation D:

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 account to your own account at another financial institution, directly on our Online Banking.
• Use your BB Americas 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 add funds to your account:

• Make a check deposit remotely using our “Touch Banking” Mobile App
• Schedule a Direct Deposit to your account
• Send a wire transfer from another bank
• Transfer money between your own BB Americas accounts via the Online Banking
• Make a deposit at a BB Americas ATM
• Make a deposit at a local branch
• Mail a check to:
  • BB Americas
  • 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 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 will accept a co-borrower for an auto loan.

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

BB Americas only offers financing in the state of Florida and seller must be a dealer not private seller.

Interest rate is dependent on the loan term and whether customer is buying new or used vehicle.

BB Americas offers the following:

• New Cars: Payment terms up to 60 months
• Used Cars: Payment terms up to 36 months (3 years old)

There are no prepayment 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 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 offers auto finance for the purchase of new or used vehicles.

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

BB Americas 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 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 business account.

BB Americas 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

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

To locate a BB Americas 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 Customer Service.

All customers that have an Online Banking access with BB Americas 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 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.

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.).

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

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

Although BB Americas 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 is part of the Banco do Brasil group, they are distinct banks with separate operations. BB Americas 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).

BB Americas 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.

BB Americas was established in 2012 with headquartered in Florida. It has more than 200 years of experience and credibility from its shareholder: Banco do Brasil S.A.
BB Americas branches conveniently located in five South Florida cities: Aventura, Boca Raton, Light House Point, Miami and Orlando.
Customer Service is offered in 3 languages (Portuguese, English and Spanish). It is a facility offered by BB Americas and a convenience for carrying out financial transactions.

The first card request generated by your institution will be sent abroad utilizing regular mail. This mailing form does not provide you with a tracking code/number. Please allow the estimated time of delivery to pass to receive your card.

For cardholders requesting a reissued card with express delivery service, the tracking code/number can be requested through the Prepaid Card Customer Service.

Please get in contact with BB Americas Prepaid Card Customer Service:

+1-866-345-1892 – (USA toll free – Can be dialed through Skype)
+1-510-771-6406 (Collect Calls or from outside the USA not toll free) or +800-6677-8000 (in all other countries, excluding Brazil).
4003-1448 (Brazil – major cities) or 0800-881-1448 (Brazil – other cities) - choose the prepaid card option
If you are outside the US, please make sure to dial according to the specific country guidelines for international calls.
(E.g.: dialing from Brazil: 0021-1-510-771-6406).

You can transfer funds from your BB Americas prepaid card to another BB Americas prepaid card at any time. This operation is known as “Friends and Family”. The transaction needs to be done through your BB Americas Prepaid online portal. Please check any applicable fees for this service in the “Terms and Conditions” tab.

In order to make an internal transfer between sub-purses and/or the main card, go to the tab "Transfer" > "Shared Funds". The fee for this service is found in the "Terms and Conditions" of the prepaid card.
In case the sub-purse in the desired currency does not exist in your card, you will need to create through the prepaid card website. Keep in mind that there is a limit of 12 currencies to choose from. You can create a new sub-purse through your online portal. Go to “My Cards” and “Manage Purses”, and select the currency you would like to add in your card.
The fees for this service are in the “Terms and Conditions” from your prepaid card.

At this moment we don’t offer an option of adding funds to your prepaid card from any Brazilian and/or other international bank account. In case you have made a wire transfer from Banco do Brasil S.A. to your prepaid card, it will be refunded.

In case you hear a message from the automated system stating that your card is closed, please press “0” zero to speak to a customer service representative.

You can get your bank statement at any time through your BB Americas prepaid online portal. Make sure you select your main account in American dollars (USD) or the sub-purse according to the currency you will like to visualize, as well as any specific transaction period.

Transactions made with your prepaid card can be visualized through your online portal. Make sure you select your main account in American dollars (USD) or the sub-purse according to the currency used for the payment in order to be able to visualize the bank statement.

The “Terms and Conditions” document of your Prepaid Card is included in the card package when you receive your Prepaid Card.

Your prepaid card can be used to shop online. When providing your billing address please make sure to utilize the address you have on file with your scholarship institution. When in doubt, this information can be found through your online banking access.

When your card is reissued, the current or previous card is automatically cancelled/closed for security reasons. Therefore, you can have only one prepaid card open.

You can pay U.S. bills (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 would be able to pay bills only for service providers that allow you to make payments through their websites using your card number. If you need assistance with these operations, please call the prepaid card Customer Service:
(USA Toll Free) +1-866-345-1892 or (Collect Calls or from outside the USA not toll free) +1-510-771-6406 or (International Toll Free - Excluding Brazil) +800-6677-8000.
4003-1448 (Brazil – major cities) or 0800-881-1448 (Brazil – other cities) - choose the prepaid card option

The fields to add a recipient for the “International Funds Transfer” have to be filled out as follows:

• • First name (In case it is a compound name, only use the first)
  • Last name (Last name without accents; do not insert a middle name)
  • Account Name (Exact name on the current account, usually the full name of the account holder)
  • Name of the Bank (full name of the bank)
  • *IBAN (International number of the bank, except banks in Brazil; it is necessary to get in contact with the bank
  • Bank Code (Each bank has a code; it is necessary to get in contact with the bank)
  • Branch Code* (Only for banks in Brazil)
  • Account’s nickname (Nickname given for this international transfer registration)
  • PoP Code (Purpose of Payment Code) – for Canadian banks only

When your scholarship term ends and you still have funds in your prepaid card, it will be necessary to remove the remaining balance before closing your account. Below you will find all available options to withdraw your money before you close your card:

• • Purchasing goods
  • Withdrawals from ATMs MasterCard/Cirrus
  • By wire transfer (Card to Bank)
    • How it works: allows transferring of funds to bank accounts within American banks;
    • How to access: please refer to your Online Banking Account > Prepaid Card.
  • International wire transfer
    • How it works: allows transferring of funds to bank accounts in other countries;
    • How to access: please refer to your Online Banking Account > Prepaid Card.
    • Foreign Countries: Belgium, Brazil, Canada, France, Germany, Great Britain, Greece, Ireland, Italy, Netherlands, Portugal, and Spain

If you need to transfer your funds and do not have an active prepaid card, please contact BB Americas Prepaid Card Customer Service to request a transfer form.

Some transactions, depending on the merchant or point-of-sale venue, are only pre-authorized and will appear as “pending” in the system. The amount of the transaction 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.

Please verify 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 American Dollars (USD) to cover the negative amount. Please note that fees may apply to this transaction.
If there isn’t any balance in a sub-purse, you will need to transfer funds into your card through a deposit. If the balance available in the sub-purse is not in USD, it will be converted by charging the conversion rate.

Below are the available options to make deposits to your prepaid card:

• “Card to Card” allows you to transfer funds to your BB Americas prepaid card through an American debit card (USA) or any international credit card.
• “Bank to Card” allows you to transfer from your American checking account to your prepaid card.

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 prepaid card through an American debit card (USA) or any international credit card.
• “Bank to Card” allows you to transfer from your American checking account to your prepaid card.

When making transfers from an American bank to your prepaid card, it will be necessary to first register your bank account and validate it. After the validation, the operation can be submitted. Funds are transferred within 4 to 7 business days.

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

• “Card to Bank” allows transferring funds from your prepaid card to any checking account in the United States;
• “International Transfer” allows transferring 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; be sure to have all the correct information, including complete IBAN # or BIC. IBAN number must have a specific # of characters and no spaces or special characters as the example below.
  Pre-Paid Card Frequently Asked Questions IBAN Specification: Portugal Example: 25 characters in IBAN # PT50003507090064961393018
  For IBAN format by country, see URL: http://bfsfcu.org/pdf/IBAN.pdf
• “Friends & Family” allows transferring funds from your prepaid BBA card to someone else’s BB Americas prepaid card.

Please Note: these operations can only be done through the prepaid card site accessing your prepaid card account.

Fees regarding the usage of your prepaid card can be found in the “Terms and Conditions” section. Please note that the fees in this document are in American dollars (USD) and the fees in other currencies are equivalent to the converted amount.

The information about the daily limit for withdrawals and purchases can be found online in the “Terms and Conditions” section. Please note that the limits expressed on this document are in American dollars (USD) and the limits in other currencies are equivalent to the converted amount.

Please visit the MasterCard ATM Locator in Japan: https://www.mastercard.co.jp/ja-jp/consumers/get-support/locate-an-atm/jp-atm-location-aeon-en.html
To find MasterCard/Maestro/Cirrus ATM locations in Japan, please visit Japan Post, Seven Bank, AEON Bank and Citibank Japan websites.
All Maestro-branded EMV cards issued outside of the Asia/Pacific region are able to withdraw currency at Seven Bank and AEON Bank's ATMs.

Special Note: If an ATM location is not conveniently located near you, please contact BB Americas for special arrangements.

It is the cardholder responsibility to maintain the delivery address updated with the respective institution. If the address provided to us for delivery by the sponsoring institution is undeliverable or the card was returned, a reissue will be necessary. For security purposes, all returned cards are destroyed. To request a card reissue, please contact the Prepaid Card Customer Service.

Please refer to the updated “Terms & Conditions” for the limits on withdrawals/purchases. Keep in mind that the amounts are in $USD 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” where the client can withdraw a higher amount than the established limit for withdrawals in ATMs. This withdrawal of a higher amount, according to the Terms and Conditions, has a daily limit and it has to be done by a bank agency. Unfortunately, we don’t have the information of at what banks “Cash Advance” can be done, because they are additional services. We know that any bank that issue MasterCard cards and products might have this additional service.

In order to withdraw more than the allowed amount in an ATM, we offer the “cash advance” service option. There is a daily limit for this withdrawal, according to the Terms and Conditions, and it has to be done in a bank agency. Unfortunately, we don’t have the information of at what banks this can be done (Cash Advance), because they are additional services. We know that any bank that issues MasterCard cards and products might have this additional service.

Please visit MasterCard’s website at (www.mastercard.com) to find any enabled ATM locations in any country.

Important: Make sure the ATM has the MasterCard logo displayed before making the transaction.

In case a transaction is not authorized (purchase or withdrawal), it is necessary to get in contact with BB Americas Prepaid Card Customer Service to question the transaction and start the refund process. During your call, our agents will specify the documents necessary to start your claim and we will send you a form that needs to be filled out and sent within up to 10 (ten) days. Upon receiving the form within the time frame required, the bank will make 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 there was fraudulent activity in your account, the temporary credit applied will be permanent. In order to dispute a charge on your card, you will need to call the prepaid card Customer Service:

(USA Toll Free) +1-866-345-1892 or (Collect Calls or from outside the USA not toll free)
+1-510-771-6406 or (International Toll Free - Excluding Brazil) +800-6677-8000.
4003-1448 (Brazil – major cities) or 0800-881-1448 (Brazil – other cities) - choose the prepaid card option
If you are outside the US, please make sure to dial according to the specific country guidelines for international calls.
(E.g.: dialing from Brazil: 0021-1-510-771-6406).

In case you detected fraudulent activity in your account, please communicate immediately with BB Americas Prepaid Card Customer Service at:
+1-866-345-1892 – (USA toll free – Can be dialed through Skype)
+1-510-771-6406 (Collect Calls or from outside the USA not toll free) +800-6677-8000 (in all other countries, excluding Brazil).
4003-1448 (Brazil – major cities) or 0800-881-1448 (Brazil – other cities) - choose the prepaid card option If you are outside the US, please make sure to dial according to the specific country guidelines for international calls. (E.g.: dialing from Brazil: 0021-1-510-771-6406).
Please be aware that when reporting your card as lost or stolen, a new card will be processed and your current one will be cancelled for security reasons.

In case your card is lost, stolen or you detected fraudulent activity in your account, please communicate immediately with BB Americas Prepaid Card Customer Service at:

+1-866-345-1892 – (USA toll free – Can be dialed through Skype)
+1-510-771-6406 (Collect Calls or from outside the USA not toll free) or +800-6677-8000 (in all other countries, excluding Brazil).
4003-1448 (Brazil – major cities) or 0800-881-1448 (Brazil – other cities) - choose the prepaid card option If you are outside the US, please make sure to dial according to the specific country guidelines for international calls. (E.g.: dialing from Brazil: 0021-1-510-771-6406).

Please note that when reporting your card as lost or stolen a new card will be processed and your current one will be cancelled for security reasons. You are allowed to have only one card open.
Verify if there is any fraudulent transaction to open a dispute process, which may take up to 90 days.
Considering that the estimated time of delivery outside of Brazil via regular mail is within 30 business days, we suggest that you request and pay for the Federal Express delivery within 15 business days due to your urgency.

Please contact FEDEX customer service line, to discuss the specifics of your card delivery. You can find information about your local FEDEX on their website at www.fedex.com. If your card has been sent back and was not able to be delivered, please contact BB Americas Prepaid Card Customer Service to request a new card to be processed.

Your tracking code/number may take a few hours to generate and update. Please keep following up with Correios for more information.

If you received your Prepaid Card and need to return the funds to your institution, you only need to perform an operation online called “Card to Bank”. It will be necessary to obtain the information from your institution in the United States.
If you haven’t received your card and consequently didn’t create your online access, it will be necessary that you get in contact with BB Americas Prepaid Card Customer Service to request a transfer form.

The funds in your card will need to be available in your main account in American dollars (USD) or in a sub-purse in the countries’ currency in order to be able to use it abroad. When the funds are in American dollar (USD), they will be automatically converted to the local currency during its usage.

Please get in contact with BB Americas Prepaid Card Customer Service to cancel your card:
+1-866-345-1892 – (USA toll free – Can be dialed through Skype)
+1-510-771-6406 (Collect Calls or from outside the USA not toll free) or +800-6677-8000 (in all other countries, excluding Brazil).
4003-1448 (Brazil – major cities) or 0800-881-1448 (Brazil – other cities) - choose the prepaid card option. If you are outside the US, please make sure to dial according to the specific country guidelines for international calls. (E.g.: dialing from Brazil: 0021-1-510-771-6406).

The first card has to be requested by the institution responsible of your Prepaid Card. Get in touch with your institution to finalize the required process and as soon as BB Americas receives your information and card request from the program it will be processed and mailed to the address you have on file.

Please get in touch with your institution to inquire about your deposit status.

Possibly, your allowance was not deposited in American Dollars (USD) but in another currency. In this case, the amount will go directly into the appropriate sub-purse. In case you still can’t visualize the credit, get in contact with BB Americas Prepaid Card Customer Service.

You can create a new sub-purse or purse through your online portal. Go to “My Cards” and “Manage Scholarship Accounts”, and select the currency you would like to add in your card. We currently have available 12 currencies that were defined by the institution responsible for your scholarship.

Your prepaid card has a main account that is fixed in American 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 subaccounts, the number in your prepaid card will begin with “5” (five) and the sub-purses will begin with “92”. Considering that your card is a multi-currency product, you can convert money from one currency to another at any time. This allows your funds to be deposited in any currency determined by your institution.

You can order a new card through BB Americas Prepaid Card Customer Service at any time. Please refer to the table of fees located in the Prepaid Terms & Conditions, for shipping cost.

Please make sure to allow the estimated time to pass for your card to be delivered to your address on file. In case your card is not delivered within the estimated time frame, please contact BB Americas Prepaid Card Customer Service in order to verify your information and generate a request to process a new card for you.

Please make sure you keep your information with the institution responsible of your Prepaid Card updated at all times as BB Americas will utilize this information to process and mail your Prepaid Card.

Go to the “Additional Services” tab on the top menu of your BB Americas Prepaid portal and click “My Profile” where you will be able to update your address and other personal information.

If you lost access to your email on file or have issues receiving the temporary Password Recovery email, please contact BB Americas Prepaid Card Customer Service in order to verify/update your information and re-submit your password recovery request again.

Go to BB Americas Prepaid portal and click “Forgot password”. During this process, a temporary password will be sent to the email address registered in our system with steps to recover access to your account.

Your initial card PIN will be selected during the activation call (it can only be created during the call). After that you will be able to change it at any time through BB Americas Prepaid Card portal. The PIN will be used for withdrawals from your account or when using the card as debit.

The online access code / password is not the same as your PIN.

PIN: Your initial card PIN will be selected during the activation call (it can only be created during the call). After that, you will be able to change it at any time through BB Americas prepaid card portal. The PIN will be used for withdrawals from your account or when using the card as debit.

PASSCODE: Your passcode is needed to get in contact with BB Americas Prepaid Customer Service the first time. You will need to contact the BB Americas Prepaid Customer Service to obtain further information regarding the passcode.

You can activate your prepaid card through the following methods:

1. 1. 1. Call our Prepaid Card Customer Service: +1-866-345-1892 (USA toll free – Can be dialed through Skype), +1-510-771-6406 (Collect Calls or from outside the USA not toll free) or +800-6677-8000 (in other countries, excluding Brazil), 4003-1448 (Brazil – major cities) or 0800-881-1448 (Brazil – other cities) - choose the prepaid card option. If you are outside the US, please make sure to dial according to the specific country guidelines for international calls.
      2. Visit the Website: https://bbamericas.mycardplace.com/cholder. Type in the 16 numbers of your card in the section: Activate/Register Card. Your card will be activated only for shopping. And in order to withdrawal money from your account, you will need to create a PIN.

   Important: Please activate your card within the first 120 days upon delivery. In case your card is not activated within this time frame it will be blocked for security reasons.

The issuance of your 1st card should be requested by the institution responsible of your Prepaid Card. The estimated timeframe for delivery in Brazil through regular mail is up to 15 business days from the date we receive the request from the institution responsible for your Prepaid Card. The estimated time of delivery outside of Brazil via regular mail is in up to 30 business days from the date of the request.

Our estimated delivery times depend on the shipping method selected and can be found below:

• 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 above are estimated delivery times.

You can verify your shipping address and estimated delivery date by contacting our Prepaid Card Customer Service. In case there are discrepancies between your current address and the address on file with your institution, a secondary card can be requested to the right address. Please remember to always keep your information up-to-date to avoid delays in the reception of your prepaid card.

BB Americas utilizes the information you have on file with the institution responsible of your Prepaid Card for card production and delivery. Please ensure that your information is up-to-date before making your request as your address will not be verified by BB Americas and this could cause delays in the final delivery of your prepaid card.

The cards delivered in Brazil are sent via Correios and the tracking number/code is sent automatically to the email address given by the student at the time of registration.

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

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

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

No, BB Americas 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 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 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.

If you make a deposit using Mobile Capture/ mobile deposit before 3:00 pm Est. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit using “Mobile Capture”/ mobile deposit AFTER 3:00 pm Est. or on a day we are not open, we will consider the deposit was made on the next business day we are open.

There are limits on the dollar amount that can be deposited within the same day. The amount is currently set at $10,000.00 per day. If you try to deposit over that amount, it will give you the message that the transaction cannot be completed.

There is not a set limit on the number of checks a customer can deposit using the Mobile Capture, but only one check can be deposited per transaction. There is a dollar amount threshold for daily deposit volume which is $10,000.00.

BB Americas will allow you to deposit: Personal, Payroll, Cashier Checks, Money Orders, and Government 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 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’ 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 App for iPhone or Android.

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

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.

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.

Yes, Visa USA charges us a 0.8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Services Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you.

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 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 14 business days. Your card is shipped through Regular Mail, without a tracking number.

For security purposes of your account, the debit card will be shipped to a foreign address via FEDEX, with a tracking number. The estimated delivery time for the debit card to a foreign address (outside the US) is between 15 and 20 business days. Please refer to our schedule of fees for the cost of this service.

There are no fees for withdrawal at BB Americas 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.

To activate your debit card or create your PIN, please contact Customer Service and choose the “activate card” option in the debit card menu. The registration of your PIN will be done through our automated system.

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.

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.

We believe that owning a credit card goes further than just a financial need. It is a statement of your personality and lifestyle. With that concept, BB Americas partnered with the famous pop artist Romero Britto to create a colorful collection of designs that represents the happiness of sunny Florida. The BB Americas Credit Card designed by Romero Britto is the opportunity for you to own a piece of art in your wallet.

BB Americas credit card APR may vary between 13.24% to 18% based on the credit card type.

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

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

To open a BB Americas 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’ 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 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 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.