Earn in CHF · withdrawal milestones up to 18%
Your money, earning in Switzerland.
Your CHF earns 18.5% APY with monthly compounding. At each milestone — 1, 2, 3, 6 and 12 months — a slice unlocks for withdrawal. Minimum deposit CHF 1,000.
18.5% APY in CHF
Multi-currency
Monthly compounding. CHF 10,000 → CHF 1,850 yield in 12 months. Operated in partnership with UBS.
Cards at month 12
Visa & Mastercard
Visa and Mastercard unlocked when you complete the loyalty cycle. Apple Pay + Google Pay set up instantly.
Web App
iOS + Android
100% online via your browser. Real-time CHF balance, nothing to install.
Progressive withdrawal
1.5% → 18% +
A slice unlocks at each milestone (1, 2, 3, 6 and 12 months).
Regulation
FINMA + BACEN
Operated in partnership with UBS. Regulated by FINMA in Switzerland and compliant with BACEN in Brazil.
BlueLock Web App
Your Swiss bank,
in your browser.
Access directly via your browser — 100% online, nothing to install. Full control of your money anytime, anywhere.
- Real-time CHF balance, no VPN login or timezone juggling
- Instant Pix from any Brazilian bank, 24/7
- Apple Pay + Google Pay set up via Web App
- Real-time notifications on every movement — in and out
Where to keep your CHF
Your money working
while you sleep.
CHF isn't just hard currency — it's a vault. See how your BlueLock account generates yield, protects against Brazilian inflation, and gives you full flexibility across 23 currencies.
Open CHF account
CHF yields 18.5% APY
Monthly compounding. Progressive withdrawal: 1.5% at month 1, growing to 18% total at month 12. Minimum deposit CHF 1,000.
See withdrawal plan →
Multi-currency as hedge
BRL falls? Your CHF/EUR/USD salary doesn't feel it. Automatic diversification across 23 currencies, a single IBAN.
Explore currencies →
FX without markup
Buy and sell CHF/BRL at the real market rate. Zero hidden spread that other banks charge in fine print.
See FX →Open account
Five minutes from app to Swiss vault.
No trip to Switzerland. No paperwork. No fine print.
Get started- 1
Open bluelock.app in your browser — no install needed
- 2
Fill out the signup form
- 3
Verify identity by video with passport or ID
- 4
Typical approval within 24 hours
Real-time FX
Top exchange rates,
no fine print.
One of the best FX rates on the market. Convert with a spread as low as 0.4% over the interbank rate.
Profitability calculator
What your account is going to earn.
In 12 months
R$ 59,250
In 24 months
R$ 70,211
In 5 years
R$ 116,832
18.5% APY · monthly compounding
Reference projection assuming 100% free balance yielding, no CDB. Progressive withdrawal schedule (ADR 013) applies.
Comparison
You save on R$ 10,000
R$ 610
* Approximate comparison using the average Brazilian bank spread vs BlueLock. Real values visible before confirmation in the app.
Cards
Virtual or metal,
your choice.
Virtual Visa unlocked after 12 months of loyalty. Metal paired in 7 days. Optional Mastercard Plus after review. Zero FX markup in any currency.
See all cardsBlueLock principles
Three things
we'll never do.
×
Scam-proof payments
Three things we will never do: ask for your password (by phone, email or WhatsApp), ask you to transfer to a 'safe account' (BACEN, the Brazilian IRS, and BlueLock don't do this — if you hear that phrase, it's a scam), or charge a 'release' / KYC / 'processing' fee.
Every fee public on /taxas/. Support only sees partial data. Your password stays yours, always.
How we protect each other →CHF 100k
Esisuisse coverage — CHF 100,000 per client
Your CHF balance is covered by Esisuisse, the official Swiss deposit guarantee scheme. Up to CHF 100,000 per client, automatically, no contract needed. Same protection level as any major Swiss bank.
For those who
demand more.
Private Banking
Tailored services for entrepreneurs, investors, and high net worth. Dedicated service in PT, EN, and DE. Minimum deposit: CHF 100,000.
Explore private banking
Business
From startup to enterprise — CHF account for CNPJ, CHF payroll, integrated API, multi-sub-account, corporate treasury.
Explore business