PagBank

PagBank PagBank is a secure finance app for businesses and individuals. Send payments without transaction fees, complete cross-border transfers in minutes, and manage investments with daily liquidity and more.

PagBank

PagBank introduces a new way to pay—so you can send money to different customers without transaction fees. Cross-border transfers and payments are designed to be completed in just minutes, helping you meet your needs in a way that fits your routine.

Security comes first. PagBank follows local financial requirements and uses advanced protection technologies to help safeguard your account and personal information, so you can manage payments with confidence.

The app also supports a wide range of payment tools and is compatible with most devices.

Key Features of PagBank

Digital Business Account

• Free 100% digital account for your business, with returns that are higher than typical savings accounts.
• Built for entrepreneurs who want daily convenience: unlimited TEDs and Pix, bill payments, and tax payments—plus tools for business management.
• Includes a free account card and more.
• Access to a broad lineup of card machines and management applications, helping your company keep selling and growing.

Investments

Whether you’re saving for a home, a car, a trip, or building an emergency fund, PagBank offers investment options to match different goals.

• CDBs with returns that can be more than double a savings account, plus daily liquidity.
• Options include Treasury bonds, investment funds with cashback, stocks, and more—for both individuals and businesses.
• Investing in CDBs gives you an international credit card with no credit check and no annual fee. Your investment amount becomes your credit limit (e.g., invest R$1,000 → limit of R$1,000).
• Inside the app, you can view suggested portfolios, portfolios tailored to your investor profile, and educational content to support better decisions.
• Start investing from R$1.00.

Rentier Account

• A fully free and complete digital account from PagBank.
• Your money can earn more than double what you’d typically get from savings, with safety, guarantee, and simplicity.
• Earn 100% of CDI automatically—no extra actions required.
• Just keep funds in the account for 30 days to begin growing.
• Save from R$300 to unlock a credit card without a credit check.
• Your credit limit is set by you: the more you keep in the account, the higher the card limit.

PagBank Functions (Payouts)

• PagSeguro Payout lets companies send as many payouts as they need—whether it’s a batch of multiple payments or a single payout.
• Service providers and local partners can receive funds within minutes after the request is made:
  • Through Pix at any financial institution
  • To a free PagBank digital account in Brazil

  

  • To Nequi and Daviplata e-wallets via PSE in Colombia



• The payout system is integrated across PagBank’s ecosystem: Brazil supports recipient transfers without intermediaries, and Colombia supports smooth instant transfers via PSE.



• This means a cost-effective flow for merchants, with no traditional bank bureaucracy for recipients. Merchants also avoid traditional international bank fees, and payees don’t face extra charges.
• If you don’t want—or can’t—integrate via API, you can still submit requests using the dashboard or My Account, in a simple and practical way.
• For companies that want deeper integration, payout requests can also be sent via API.

PagSeguro has 20 years of experience in Latin America and is highly skilled at managing cross-border transfer requirements, including currency conversions, fees, and compliance processes. This helps merchants avoid obstacles and ensures international payments run smoothly.

Conclusion

Upgrade how your company pays service providers with a Payout solution built for speed and clarity. With no traditional banking fees, full transparency, no integration required, and strong compliance, PagSeguro’s Payout transfers are processed in minutes in local currency for Brazil and Colombia.