Velotax built a niche around organising Brazilian personal-finance data for income-tax filing. It pulls broker statements, investment data, and helps generate the IRPF return without spreadsheets. The trade-offs are real. Premium tier pricing applies to power features, the integrations cover only some brokers and banks, and the credit-line piece that sits inside the app does not fit users who only want tax help. If those points push you to look around, the Velotax alternatives below cover the official Receita Federal tools, major Brazilian banks that ship IRPF helpers, and accountant-backed platforms.
This guide compares 7 Velotax alternatives across official government tools, bank-bundled IRPF helpers, and accountant-led platforms. None of them are perfect substitutes, but each covers a part of the tax workflow Velotax handles.
Quick comparison
| App | Best for | Type | Standout |
|---|---|---|---|
| Banco Inter | Bank-bundled IRPF helper | Bank | Free IR report from account data |
| Banco do Brasil | State-bank IR tools | State-owned | BB Investimentos IR report |
| Itaú | Private-bank IR helper | Private bank | Itaú Investimentos IR support |
| Bradesco | IR helper + Bradesco Shop | Private bank | DDA tax invoice consolidation |
| CAIXA | Government-program tax data | State-owned | FGTS and social-program statements |
| Nubank | IR statement export | Digital bank | Clean Informe de Rendimentos |
| C6 Bank | Investment-side IRPF | Digital bank | Multi-currency tax statements |
Why people leave Velotax
Velotax wins on focused IRPF help, but several things push users to look around.
- Premium tier pricing. The full feature set sits behind a subscription. Casual annual filers see the recurring fee as steep for one-shot use.
- Broker and bank integrations are partial. Coverage varies. A broker outside the integration set means manual entry.
- Credit-line offering blurs the focus. Velotax also markets credit products inside the app, which spreads the experience beyond tax help.
- App scope is wider than pure IRPF. Some users want a one-job tool. Velotax sells multiple jobs at once.
- Annual rhythm clashes with subscription. IRPF is a once-a-year filing for most users. A subscription is harder to justify for that cadence.
Which Velotax alternative should you choose?
- Banco Inter if you bank with Inter and want the IR report generated from your account data.
- Banco do Brasil if your investments and payroll sit at BB.
- Itaú if your investments and accounts live at Itaú.
- Bradesco if you want IR help plus a consolidated view of invoices issued against your CPF.
- CAIXA if FGTS, Bolsa, or social-program data needs to land in the IRPF return.
- Nubank if Nubank is your daily-use bank and you want the Informe de Rendimentos cleanly.
- C6 Bank if your investments span Brazil and abroad and you want them in one app.
1. Banco Inter — best for a bank-bundled IRPF helper
Inter ships a free IRPF helper inside the app for account holders. The Informe de Rendimentos and the investment-side statements export directly from the account, and the helper highlights items that need to land in the IRPF return. The same app covers Pix, card, investments, and Inter Shop.
Where it falls short: Help is account-bound. Investment data outside Inter still needs manual entry into the IRPF declaration.
Pricing: Free account. IRPF helper free for account holders.
Banco Inter vs Velotax: Inter wins on free, account-bound IRPF help integrated with banking. Velotax wins on cross-broker investment data and a deeper IRPF question flow.
Bottom line: Pick Inter when most of your taxable activity lives in the Inter account and ecosystem.
2. Banco do Brasil — best for state-bank IR tools
Banco do Brasil ships an Informe de Rendimentos and an IR-support flow inside the app. BB DTVM investments export tax-ready statements, and payroll data flows in from BB-administered government employer accounts.
Where it falls short: App can feel dense across BB Piggy Bank, FGTS anticipation, consortia, and IR tools all in one place.
Pricing: Account-tier fees may apply. IRPF report export free for account holders.
Banco do Brasil vs Velotax: BB wins on integrated state-bank data export. Velotax wins on cross-broker support and a cleaner standalone IRPF flow.
Bottom line: Pick BB when payroll and investments live with the state bank.
3. Itaú — best for a private-bank IR helper
Itaú ships an IR Informe de Rendimentos and an Itaú Investimentos tax export inside the main app. Personnalité customers get private-banker support during filing season. Pre-filled IR snapshots cover the data Itaú knows about.
Where it falls short: Cross-broker support outside Itaú still needs Velotax-style consolidation. Premium support gated to Personnalité tier.
Pricing: Package-tier account fees. IR helper free for account holders.
Itaú vs Velotax: Itaú wins on private-bank integration and Personnalité tier support. Velotax wins on multi-broker investment consolidation.
Bottom line: Pick Itaú when investments and salary sit there and Personnalité tier private-banker support fits the filing season.
4. Bradesco — best for IR helper plus DDA tax invoice consolidation
Bradesco ships an Informe de Rendimentos and a DDA bill-consolidation feature that pulls invoices issued against your CPF into a single feed. The bank-side data exports directly into the IR return, and Bradesco Shop spend flows alongside.
Where it falls short: Investment data outside Bradesco needs manual entry. App weight similar to other large banks.
Pricing: Package-tier account fees. IR helper free for account holders.
Bradesco vs Velotax: Bradesco wins on DDA consolidation and Livelo points data. Velotax wins on a cleaner standalone IRPF flow and cross-broker support.
Bottom line: Pick Bradesco when DDA tax-invoice consolidation is part of your filing prep and Bradesco is your main bank.
5. CAIXA — best for government-program tax data
CAIXA exports FGTS statements, Bolsa Família records, and other social-program data needed for IRPF or related filings. The commercial-bank side covers a parallel Informe de Rendimentos for account holders.
Where it falls short: App heavier than other tax tools. Investment-side data narrower than Inter or Itaú for typical IRPF use.
Pricing: Package-tier account fees may apply. FGTS statements and IR helper free for account holders.
CAIXA vs Velotax: CAIXA wins on government-program tax data. Velotax wins on the investment-side IRPF flow.
Bottom line: Pick CAIXA when FGTS withdrawals or social-program data need to feed the return.
6. Nubank — best for a clean IR statement export
Nubank exports an Informe de Rendimentos for the account, the credit card, and NuInvest activity in a single PDF. The home feed surfaces the document during filing season. The investment-side helper covers NuInvest activity for tax-time reporting.
Where it falls short: Cross-broker data outside Nubank needs manual entry. Not a standalone IRPF flow.
Pricing: Free account. IR statement free for account holders.
Nubank vs Velotax: Nubank wins on a clean, integrated IR document. Velotax wins on cross-broker consolidation and a fuller IRPF question flow.
Bottom line: Pick Nubank when most of your taxable activity goes through the Nubank account and card.
7. C6 Bank — best for investment-side IRPF help
C6 Bank exports tax-ready statements for Brazilian investments and the international account in the same app. The Global Account side covers dollar and euro balances with tax reporting that lines up with what the IRPF declaration needs.
Where it falls short: Cross-broker support outside C6 still needs Velotax-style consolidation.
Pricing: Free account. IR helper free for account holders.
C6 Bank vs Velotax: C6 wins on multi-currency tax statements alongside Brazilian banking. Velotax wins on cross-broker support and a standalone IRPF question flow.
Bottom line: Pick C6 when your investments span domestic and international and the C6 Global Account already holds the foreign side.
How to choose
For a bank-bundled IRPF helper, Banco Inter and Nubank ship the cleanest integrated exports for digital-bank users.
For traditional banks with deeper investment-side data, Itaú and Banco do Brasil bundle IRPF help with Personnalité or BB DTVM support.
For invoice consolidation against your CPF, Bradesco DDA is the cleanest option. For FGTS and social-program data, CAIXA remains the source.
For multi-currency investment-side filing, C6 Bank exports Brazilian and Global Account data side by side.
Stay on Velotax when cross-broker investment consolidation is the actual job, multiple sources need to feed one IRPF return, and the annual subscription pays for itself in time saved.
FAQ
Is Velotax worth paying for?
It depends on how many brokers and accounts you consolidate. Single-account filers usually find their bank's free IR helper sufficient. Multi-broker investors get more value from a consolidation tool.
Can I file the IRPF without Velotax?
Yes. The Receita Federal ships its own IRPF software each year, and every major Brazilian bank exports an Informe de Rendimentos that can be entered into the return manually.
Which Velotax alternative is fully free?
All bank-bundled IR helpers (Inter, Nubank, BB, Itaú, Bradesco, CAIXA, C6) are free for account holders. They cover the bank-side data only, not cross-broker consolidation.
Does Nubank send the IR statement automatically?
Nubank surfaces the Informe de Rendimentos in the home feed during filing season. The document covers the account, card, and NuInvest in one PDF for the relevant calendar year.
Which alternative handles investments outside Brazil?
C6 Bank exports tax-ready statements for both Brazilian investments and the C6 Global Account, which makes it the closest single-app fit for users with international exposure.