Historical series Itaú Emps expands account opening for companies with multiple partners
Companies with more than one partner can now open an account directly through the app, simply and securely, extending the reach of the solution to a broader audience.
São Paulo, December 2025 – Itaú Emps announces the expansion of account opening for companies with multiple partners, enabling even more entrepreneurs to access its simple, secure, and personalized banking experience. This new feature broadens the scope of the solution launched in July this year and marks another step toward making Itaú’s business ecosystem even more complete.
Co-created with customers from the start, Itaú Emps offers a lightweight app without monthly fees, featuring a customized product shelf for the main needs of paying, receiving, and credit — with integration to acquiring services and support from a contextual generative artificial intelligence, acting as a financial consultant 24/7, assisting entrepreneurs in business management and everyday decisions.
“Since its launch, Itaú Emps has aimed to provide a smarter, more relevant banking experience for entrepreneurs. By expanding account opening to companies with multiple partners, we take another important step in democratizing access to safe, simple, and personalized financial solutions for different business formats,” says Gabriela Ferreira, Director of Itaú Emps.
With the expansion, companies with more than one partner can open an account directly through the app, quickly and securely. The opening must be done by the company’s legal representative, who will conduct the entire process digitally without needing to involve all partners at the moment of account opening. After the client fills in and validates their and their company’s information, the app requests the upload of the articles of incorporation — a necessary step to verify the ownership structure and confirm partners’ information.
“Our focus is to provide a smooth and uncomplicated experience without compromising security. The journey remains 100% digital and intuitive, but now capable of serving companies with more complex ownership structures. The legal representative opens the account, and within one business day, the account is activated, maintaining the agility that has always set Emps apart,” adds Gabriela.
The process was designed to preserve the practicality of the original model: the company representative is solely responsible for registration and signing the Account Opening Proposal (PAC, in Portuguese), with no need for approval from other partners. After document analysis, the account is released, and access data are sent to the representative who completed the opening, who can then grant access to other partners via the app’s shared management features.
Throughout 2026, the analysis process will be automated using an artificial intelligence-based document reading solution, bringing even more speed and accuracy to account openings.
“We are building a bank that grows with the entrepreneur. Using generative AI as a financial advisor is at the heart of this proposition — it understands each company’s context, analyzes inflows and outflows, supports cash flow control, identifies trends, and offers practical recommendations to support strategic decisions. It’s technology with a purpose: helping entrepreneurs manage better and thrive,” explains Gabriela.
The expansion reinforces Itaú Emps’ commitment to offering a complete, personalized solution that combines security, intelligence, and convenience for entrepreneurs of different profiles and growth stages. Powered by generative artificial intelligence and with no monthly fees, it offers unlimited free Pix transfers, acquiring integration, payment solutions such as DDA (Authorized Direct Debit, in Portuguese), automatic debit, utilities and tax payments, as well as a personalized credit portfolio and 24/7 digital advisory. With a scalable business model and efficient cost structure, Itaú Emps was developed to support millions of entrepreneurs across the country in their growth journey with efficiency and security.