Bitybank: Brazil trading, Bitypreço access and account conditions

Bitybank is the app-facing service within Brazil’s Bity business. Bitypreço provides the connected marketplace on the web; the company also incorporates the Biscoint brand history. The practical choice is between a quick quoted purchase and the more detailed trading interface, followed by a separate decision about keeping a platform balance or withdrawing supported assets.[1]

A market order seeks execution at available prices. A limit order specifies the acceptable price; reaching that price does not create an independent promise that liquidity will fill the entire amount. This distinction matters when comparing an immediate conversion with an order left waiting in the book.[34]

The scheduled sale feature is described as Stop Loss Limit. Its help page says the order appears in the book when the market reaches 0.5% above the chosen sale price. That is a trigger for placing a limit order, so the selected sale price should not be interpreted as a guaranteed exit during a fast move.[27]

For an unexecuted limit order, cancellation is available in the web “Minhas” area and in the app’s advanced-trading open-orders screen. The same cancellation route covers a scheduled sale, and the reserved balance becomes available again. An already completed trade cannot be cancelled. The reviewed instructions do not specify a universal expiry time or maximum count of open orders.[28]

The RFQ schedule effective 1 July 2026 charges 1.3% up to R$1,000, reduces continuously through the intermediate band, and reaches 0.5% at R$100,000 or more. The notice illustrates about 0.77% at R$10,000; it does not supply a complete interpolation formula. Use the quoted fee for an intermediate amount rather than constructing a linear estimate.[5]

For illustration, a R$100,000 RFQ transaction at the stated 0.5% endpoint produces R$500 in transaction fees. This calculation excludes movement in the crypto price and any later withdrawal charge. The July notice also raised the relevant advanced-trading rate from 0.20% to 0.50%, so earlier fee descriptions can be materially misleading.[5]

A crypto withdrawal uses a quoted fixed charge that can change with conditions. Bity’s explanation includes recent average network costs plus operational items such as wallet reorganisation, custody services, taxes and insurance costs. It therefore should not be described simply as the exact miner fee passed through unchanged. The final amount belongs in the withdrawal preview.[31]

The maintenance FAQ states that ordinary account maintenance and monthly custody fees are not charged. This concerns account upkeep, rather than the separate costs of buying, selling or moving assets.[17]

September’s platform terms nevertheless permit a maintenance tariff when published, subject to stated exemptions. A new charge cannot be inferred from that contractual power alone.[3]

Retrieve the deposit address from the current app or web account for the selected asset and network. The address-checking guide provides distinct workflows for both interfaces. Reusing a previously saved address without checking it bypasses the platform’s current instructions; the receiving network must also match the sending wallet’s network.[10]

Pix access now depends on a free digital account through the Celcoin partnership. The July 2026 onboarding notice says a customer’s own BC Protege+ account-opening restriction can block creation of that payment account. This is a payment-rail onboarding condition; completing the trading profile alone does not necessarily complete the Pix setup.[25]

The September limit schedule expresses crypto trading limits in BRL equivalents. Monthly allowances reset on the first day; annual limits use the preceding 365 days. These account allowances do not establish leverage or the maximum size of a single market order.[6]

Under the September terms, platform balances are contractual credits against CBTC, without individual title to a segregated wallet asset. The terms exclude FGC/state insurance while preserving legally mandatory segregation duties. They do not turn a displayed crypto balance into a personally controlled wallet.[3]

Bity documents two-factor authentication, an email security phrase and the app’s Modo Rua controls. The latter describes geolocation, biometric authentication and alerts. These are published features, not independently measured security performance; the presence of an email phrase does not replace checking the sender and account activity.[32]

Identity verification is more specific than simply uploading any passport. The app guide lists a valid RG with CPF, CNH or RNE and excludes passports, employment documents and professional identification cards. It also describes original digital-document PDFs and a video selfie. Acceptance, review and the resulting transfer level should be checked before relying on a proposed deposit or withdrawal.[12]

The Banker/Trader field is visible inside the account. It should be checked alongside the current limits and fees rather than inferred from trading experience, an account nickname or the fact that the advanced screen is available. The interface route is Profile, then Personal Data, then the profile field.[30]

Formal complaints under the platform terms receive a protocol and a response within seven business days of receipt. No separate telephone dealing route was established for an outage.[3]

The referral rules identify CBTC Serviços Digitais Ltda. and describe marketplace intermediation and buying or selling on a customer’s instructions. The same document’s “digital bank” wording is a product description; it does not establish a banking licence or deposit-insurance entitlement.[26]

Celcoin’s account-opening checks belong to the payment partnership described in the Pix notice. They should not be transferred into a general claim that every crypto balance or marketplace service carries the same regulatory treatment as the payment account.[25]

Bitypreço traces its marketplace to 2018. Its published model connects customers with offers from several exchanges through one account. The company’s claims about relative market size and best pricing were not used here as a current ranking, active-user total or measured execution result.[2]

The BitPreço-to-BityPreço change moved web access to market.bitypreco.com. The February 2026 help update calls for a fresh login on the new domain but says the existing authenticator code continues to work without resynchronising 2FA. Legacy links and the former spelling therefore do not identify a separate current exchange profile.[24]

Physical and virtual Bitybank cards stopped functioning on 1 September 2026, including their wallet-payment use. The discontinuation FAQ says account balances and accrued cashback remain available, and trading, withdrawals and transfers continue. Kast is presented as a separate alternative requiring its own customer relationship, rather than automatic continuation of the old card contract.[21]

The October closure instructions say there is no fee merely for keeping the account open. To close it, first remove balances, submit the closure request from Personal Data and complete the support follow-up. Bity gives up to five business days for confirmation. Stopping trading and formally closing the account are therefore different actions.[16]

Operator

CBTC Serviços Digitais Ltda.

Exchange model

Centralised

Service scope

Brazilian app and Bitypreço web marketplace for crypto purchases, sales and transfers.

Client types

Retail clients

Pricing publication

Public and quoted pricing

Other names

Bitybank Brazil; Bitypreço; BitPreço; Biscoint

Funding scope

BRL through supported bank/Pix routes; eligible crypto networks only.

Custody and asset handling

Platform account balances are contractual claims against CBTC.

Client eligibility

Brazil-resident customers; verification and transaction limits apply.

Support

Platform chat and [email protected], during published service hours.

Authorisation and registration scope

Brazilian operator identity established; a current financial-authorisation register entry was not verified.

Exchange metadata checked 21 Oct 2026Source 1Source 2Source 3Source 4Source 9Source 13Source 22Source 30

The transaction statement in the app shows the type, date, identifier, quantity, fee, asset price and total for a movement. Asset-specific history sits under Performance and Extrato; the general history has filters. The reviewed instructions establish on-screen records but do not establish a particular downloadable file format or continued access after account closure.[18]

The emailed NFSe is an invoice for the platform’s intermediation service. Bity explains that its amount relates to the difference between the customer quote and external execution over the month, and that receiving it does not create an additional account debit. It is not a consolidated statement of the customer’s gains and losses across other wallets or venues.[19]

Bity’s public API provides ticker, order-book and trade data through HTTP GET in JSON. Account integration is requested through the security area, and the help page explicitly says it does not offer an exclusively read-only account API. Treat access approval as a question about authority as well as convenience; a complete current permission matrix and key-revocation effect on existing orders were not established.[20]

The account-operation FAQ says transactions must be authorised by the account holder. That rule is relevant when a third-party tool requests credentials or offers to manage the account: an integration should not be assumed to confer a separate mandate for another person to make decisions. No documented copy-trading disconnection mechanism was established in the reviewed material.[35]

Bix requires a bank that preserves the payment comment. When the automatic purchase fails, its guide describes an email/app notification and a manual purchase afterward. A successfully executed Bix cannot be undone by changing the payment message; disposing of the resulting crypto would be a new sale or transfer.[29]