Binance deposit with Pix or TED in Brazil: R$0 fee, a 24-hour Pix window and a CPF that must match

How to deposit BRL with Pix or TED

Binance's deposit guide gives these steps for the app:

1. Log in and tap Add Funds, then Deposit BRL.
2. Choose Bank Transfer (PIX) or Bank Transfer (TED).
3. Enter the amount and tap Continue.
4. Read the notes on screen and confirm. The name on the bank transfer has to match your Binance account.
5. For Pix, copy the Pix code and authorize it in your bank app. For TED, copy the bank details into your banking app.
6. Wait for your bank to process the payment, then check the status under Assets, History, Spot, Deposit.

On the website, the path starts at Buy Crypto, then Bank Deposit. Select BRL under Currency and pick Pix or TED. You can scan a QR code for Pix there, and track the order under Transaction History, Fiat Order, Deposit.

Do not send a transfer before you create the order. The BRL FAQ says you must place the order first so the payment can be captured.

Pix or TED: what actually differs

The FAQ does not name a time zone for the TED window. Binance recommends Pix as its preferred channel. For most personal deposits, there is little reason to pick TED, because the fee is the same and Pix has no banking-hours gap. TED's longer payment window and its handling of expired orders are the two things it does better.

The FAQ's last update timestamp in Binance's data is March 20, 2026. That is why the steps above should be checked against your own screen.

The rules that cause failed deposits

Most returned deposits come down to who sent the money. These are the rules Binance lists.

Your CPF has to match. You can send from any Brazilian bank, but the holder's name and CPF or CNPJ must match the identity verified on Binance. Only deposits from an account linked to your own CPF or CNPJ are accepted.

Personal and corporate accounts do not mix. Binance does not accept transfers from a corporate bank account into a personal Binance account, or the reverse. This applies even to a company with one owner. To deposit with a CNPJ, you need to switch to a corporate account on Binance.

SponsoredBitget

Partner rebate share60%Up to

Check regional eligibility and account terms

→Enter the code when you sign up: nexu888

Sign up on Bitget →Codenexu888Copied

SponsoredOKX

Partner rebate share20%Up to

Check regional eligibility and account terms

✓Code applied automatically by the sign-up link: nexu888

Sign up on OKX →Codenexu888Copied

A joint account credits the primary holder. If you send from a joint account and you are the second holder, the money goes to the primary holder's Binance account.

Refunds take time. A wrong account type or missing bank details leads to a return of funds in the next business days, according to the FAQ. A TED for the wrong amount has the 7-calendar-day refund noted above.

You also need completed identity verification before you can use this channel, for both personal and corporate users. Our Binance KYC guide covers those levels and account checks.

Limits, and why R$50,000 is out of date

Binance sets the personal limits in dollars and shows reais as an approximation. The limits count all deposit, withdrawal and trade activity together.

The final column is our arithmetic using the Binance USDT/BRL ask at 17:04 SGT on November 8, and USDT is only a proxy for the dollar. The R$10,000,000 maximum per order is far above what these monthly limits would allow at levels 1 and 2. Those levels are the numbers to plan around.

To raise limits, personal users complete further identity verification under Account, Identification. The FAQ adds that BRL deposits and withdrawals must exceed the required amount, and that buy and sell volume does not count toward it.

What R$1,000 buys after the deposit

The deposit itself is free, so your cost comes from the trade. At 17:04 SGT on November 8 (06:04 in Brasília), Binance's public market data showed USDT/BRL at a 5.6172 bid and 5.6173 ask, with about 36.07 million USDT traded in 24 hours. The 24-hour range ran from 5.5457 to 5.7850, so the same R$1,000 would have bought 172.86 USDT at the top of that range and 180.32 USDT at the bottom.

Here is the math at the 5.6173 ask, using the 0.10% spot rate in our partner registry:

• R$1,000 ÷ 5.6173 = 178.02 USDT before fees.
• Trading fee at 0.10%: about 0.178 USDT, or about R$1.00.
• Binance account signed up with invite code 11350287: 25% of that fee comes back hourly, about R$0.25.

You keep the larger share on Bitget, where invite code nexu888 returns 60% of trading fees, settled daily. A R$1.00 fee at the same 0.10% rate gives R$0.60 back. This is a share of the fee you paid and not of the amount you traded. Bitget's own Pix order and CPF rules are in our separate guide, and our Bitget page lists current fees. If you want to compare Binance against a third venue, our OKX Pix guide covers the R$5 minimum and the personal Pix key OKX now requires.

If you only want to buy crypto, you can skip the separate deposit. Binance's Pix purchase guide describes buying crypto directly: go to Add Funds, then Buy with BRL, or Buy Crypto on the web. Enter the amount, select Bank Transfer (PIX) and pay by QR code or copy-and-paste. The rules are the same as for a deposit, with a 24-hour payment window and a transfer from an account under your own 11-digit CPF, and the crypto lands in your spot wallet. Check the quote on that screen against the spot price before confirming, because the guide does not state a fee or spread for this route.

Getting your reais back out

Plan the exit when you plan the entry, because withdrawals are slower than Pix deposits. The FAQ lists a R$3.50 withdrawal fee for personal accounts and no fee for corporate accounts. On a R$1,000 round trip that is 0.35% of your money, more than three times the 0.10% trading fee.

Binance's withdrawal guide shows a Pix option under Assets, Withdraw, where you fill in your bank details and CPF. Timing still follows banking hours: Monday to Friday from 07:00 to 17:00, with clearing of up to 2 business days. An order created outside those hours is handled on the next business day. The receiving account must be in your name, and Binance does not accept joint accounts or MEI and EIRELI company accounts, even if you are one of the holders.

What to do if your deposit has not arrived

A TED sent outside banking hours is credited on the next business day, so check the clock first. On withdrawals, the FAQ says some transactions can take up to 48 hours, and a rejected withdrawal with wrong bank details triggers an email with steps to correct it. Binance also lists separate PicPay deposit and withdrawal guides, so PicPay users should read those.

1. Open the order status in your deposit history and confirm that it has not expired.
2. Check the bank app to see whether the Pix or TED left your account, and keep the receipt.
3. Compare the sending account's name and CPF with your Binance identity. A mismatch means waiting for a refund.
4. For TED, compare the amount with the order. A different amount is refunded within 7 calendar days, so do not send it again.
5. Contact Binance support by chat from inside your account. Use only official channels and ignore anyone who messages you first offering to recover a deposit.

What we could not confirm

• Whether Pix and TED deposits are open for your account today. We did not log in or place an order.
• The time zone behind the 07:00 to 17:00 banking window.
• Current deposit minimums and any partner bank shown on your screen. The guide says the "Provided by" name can vary by local partner.
• Whether the theft Binance suffered, which Elliptic is still tracking, has changed any BRL channel. The FAQs do not mention it.

Quick answers

Does Binance charge a fee for Pix deposits in Brazil?

No. The FAQ lists BRL deposits as free for personal and corporate accounts, by Pix or TED. Trading after the deposit has its own fee, and withdrawing BRL costs a personal account R$3.50.

How long does a Binance Pix deposit take?

Binance describes Pix as instant and available 24/7, though system instability can delay it by a few hours. TED takes up to one business day.

Can I deposit from someone else's bank account?

No. The account must be linked to your own CPF or CNPJ and match your verified name. A joint account credits the primary holder only.

What happens if I pay an expired Pix order?

The FAQ says an expired Pix order cannot be paid, and a payment made to an expired order is automatically refunded. With TED, you can create a new order for the same amount and the transfer is credited. Start a new order rather than reusing an old Pix code. Our Binance page has the current fees for what you do next.