A virtual account is a layer above the standard bank account. It can receive incoming payments in place of a bank account, and divide up the balance of the linked bank account. A virtual account reports its own balance and transactions.

In order to use a virtual bank account to receive payments, all incoming payments must be done using identified Pix QR codes, Open Finance Payment Initiation or have an expected payment created before the payment arrives.

At the moment, only bank accounts created by Trio can be virtualized.

All bank accounts when created will by default have a default virtual account assigned to it. You can create as many virtual accounts as you want.

Use cases

These are the common use cases using the virtual accounts.

Creating buckets or contexts of incoming cash

When you create a new identified QR code or an expected payment, you will link the virtual account that will be credited during the incoming payment pipeline.

Holding funds on behalf of users

Companies that hold funds on behalf of users (such as a digital wallet) can use virtual accounts to track the balances and check the transactions individually.

Operating an in-house bank (IHB)

An In-House Bank (IHB) represents a powerful treasury structure that has gained popularity around the world. Operating in this manner can increase capital, operational and liquidity efficiency, and can reduce costs related to risk management.


Banks in Brazil do not offer virtual accounts, so you cannot assign a different agency and account number to your virtual account.

We also process a ledger individually by virtual account.