btgpactual.com Avis 

BTG Pactual actively advertises bank accounts for non-residents and foreign customers. In reality, the entire onboarding process was extremely frustrating, poorly designed, and contradictory.

The app is entirely in Portuguese, and the document verification process appears to be built only for Brazilian documents. My German passport was repeatedly rejected. The app even asked for a separate signature page with a barcode, which does not exist in a German passport.

After several attempts, the app crashed. This was followed by multiple conversations with WhatsApp support, repeated transfers between departments, and having to explain the same issue over and over again. BTG eventually confirmed by email that the app is only configured to process Brazilian documents and therefore could not read my German passport.

I then submitted my passport, selfie, CPF, foreign tax identification number, and proof of residence manually. My biometric verification was explicitly approved, and I later received an invitation to complete the registration for the non-resident account.

In the end, the account application was still rejected without any meaningful explanation.

Of course, a bank has the right to reject an application following its internal review. However, BTG should not advertise the account-opening process for foreign non-residents as simple and fully digital when its own app cannot process foreign passports.

The actual process was technically poor, extremely time-consuming, and completely lacking in transparency.

My conclusion: if a bank advertises accounts for foreigners, it should at least provide a functioning passport verification system, a clear process, and understandable communication. In its current form, BTG’s onboarding for foreign customers is not professional.

Great cash deposit offers. Good customer service too. Found them on BankRate and happy with the service

Best in class customer service! Great Bank!

I submitted all the details that were required from me to open an account. They rejected it and they were not allowed to tell me why. But they said they would let me know if the decision ever changed. As if I was desperate to work with them.

I attempted to open a non-resident account with BTG Pactual over the course of nearly two months, and the experience was consistently frustrating.

Despite submitting all requested documentation multiple times, there was a clear lack of coordination and ownership throughout the process. Communication was inconsistent, and different representatives provided conflicting information at various stages.

For an institution of BTG’s size and reputation, I expected a much more structured and professional onboarding process, especially for international clients.

In the end, I chose to move forward with another bank that was able to onboard me efficiently and with far greater clarity.

BTG may have strong investment capabilities, but their onboarding process for non-residents requires significant improvement.

PIOR Corretora Que Tive o DESPRAZER de conhecer!!

Tenho conta em dezenas de bancos, corretoras, tanto no Brasil quanto no exterior, a minha experiência com a BTG foi PÉSSIMA.

Eu deixei de negociar pela corretora devido a péssima qualidade de serviços da BTG, plataforma travando durante negociações, divergência de saldos e atendimento deficitário.

Hoje estão me cobrando valores relacionados a plataforma que eu tinha na época, só na BTG isso acontece, não cancelaram minha plataforma que na época era gratís e querem lucrar encima disso agora.

No dia 21/08/2025 fui vítima de um golpe e perdi R$ 7.200,00. Fiz dois pagamentos:

R$ 3.100,00 via boleto (PagSeguro) - em 20/08, através da conta da minha empresa pelo BTG;

R$ 4.100,00 via Pix (BTG Pactual, conta da minha empresa).

Assim que percebi a fraude, registrei Boletim de Ocorrência n 2261091/2025 e acionei imediatamente o BTG. A resposta do banco foi que não poderiam devolver o dinheiro porque os valores já haviam sido movimentados. Fato que não foi comprovado pra mim em nenhum momento.
O mesmo ocorreu em relação ao PagSeguro, que sequer me deu um canal de contato efetivo (não tenho conta lá).

No entanto, o Banco Central deixa claro que há mecanismos de bloqueio e devolução em caso de fraude via Pix.

Estou extremamente insatisfeita com a falta de ação das instituições. Solicito que BTG e PagSeguro revejam a postura, realizem o ressarcimento e implementem medidas mais eficazes para proteger clientes de golpes.

A minha experiência com BTG é horrível as taxas de junção abusivas e o atendimento é péssimo

I have had a horrible experience with this institution. I was looking to open a bank account with them and they only allow to do it through their app. After a lengthy process, submitting all my details and documents, they reject my request to open an account with no explanation whatsoever. I even tried contacting them, but they refused to give me a reason. I understand that no one should be forced to open an account for every client, but providing the customers with high level reasons for the rejection should be common courtesy. That constitutes a complete lack of transparency and respect towards the client.

Precisei fazer um PIX de um valor maior que o meu limite e o processo para aumentar o limite para essa transação em específico foi bem eficiente. Tive um atendimento rápido e eficaz, agradeço ao time

So nice and legit platform for earning by trading.
A complete network and company always favour customers and passive income you can get from this platform. My best wishes for owners. Specially for Kbir.