How to Sync Nubank Empresas (Business) to Google Sheets Automatically
To sync Nubank Empresas (Nubank's business account) to Google Sheets automatically, you connect your PJ account via Open Finance Brasil in Manio and point it at a spreadsheet. Your business transactions start flowing into Sheets without OFX exports, without opening the Nubank app, and without typing anything manually. The entire setup takes about 10 minutes.
The Export Challenge with Nubank Empresas
Nubank Empresas has become one of the most popular digital business accounts in Brazil. No maintenance fees, unlimited Pix, a corporate card with no annual fee, and an onboarding process that takes minutes. For daily operations, it is excellent.
But when it comes to getting your financial data into a spreadsheet, the experience mirrors every other digital bank: the app was built for transacting, not for exporting. The statement export generates a PDF or CSV with limited date ranges, broken character encoding, and inconsistent column formats between the checking account and corporate card. For anyone who wants to maintain an up-to-date cash flow spreadsheet, the manual export routine becomes unsustainable within weeks.
The alternative many small business owners consider is a full ERP (Conta Azul, Omie, Nibo). But for those who only need to see inflows and outflows, categorise expenses, and track cash flow, paying R$70 to R$90 per month for a complete ERP is overkill. Want to understand when an ERP makes sense and when a spreadsheet is enough? See our comparison of Conta Azul, Omie, Nibo and Spreadsheets.
Open Finance Brasil Works with Business Accounts
Open Finance Brasil is a Central Bank regulation that gives you (whether an individual or a business) the right to share your banking data with authorised services. This applies to PJ (business) accounts in exactly the same way as PF (personal) accounts. You authorise the data sharing directly in the Nubank app, using your regular credentials. Your password is never shared with third parties.
Nubank was among the first banks to fully implement the Open Finance APIs, for both personal and business accounts. As a digital-native bank, its infrastructure was already prepared. The data that arrives via Open Finance from Nubank Empresas is consistent and well structured, free of the encoding issues that plague CSV exports.
The consent is valid for up to 12 months and can be revoked at any time from the Nubank app under Settings > Open Finance. Want to understand how Open Finance protects your data? Read our guide on Open Finance security.
How to Sync Nubank Empresas to Google Sheets with Manio
Manio is an authorised Open Finance Brasil participant. It reads your Nubank Empresas transactions through the official API and writes them directly to Google Sheets. You configure it once and transactions flow automatically from that point on.
Step 1: Create a Manio Account
Go to manio.app and sign up with email or a Google account. The Trial plan is free and includes 1 bank connection with daily sync and 50 syncs, enough to test with your PJ account.
Step 2: Connect Nubank Empresas via Open Finance
In the Manio dashboard, go to "Bank Connections" and select Nubank. Enter your company's CNPJ (or CPF, if the account is linked to your personal document). You will be redirected to Nubank's official Open Finance consent screen, hosted on Nubank's servers. Log in normally and choose which accounts to share: PJ checking account, corporate card, or both. Manio never sees your password.
Step 3: Add Google Sheets as a Destination
Go to "Destinations" and select Google Sheets. Authorise Manio to access your Google account via the official OAuth flow. Select the spreadsheet where transactions should be written (new or existing).
Step 4: Map Your Accounts
Link each Nubank Empresas account to a tab in your spreadsheet. If the business has a checking account and a corporate card, you can put everything in one tab (using the Account column to distinguish) or create separate tabs. For most small businesses, a single tab works best.
Step 5: Run the First Sync
Trigger the initial sync. On the Pro plan (R$19.99/month), Manio imports all the history the bank makes available via Open Finance, typically around 12 months. On the Trial plan, the first sync covers up to 30 days. After that, new transactions are added automatically: Trial syncs once daily, Pro every 8 hours. No CSV downloads, no copy-pasting, no encoding headaches.
What Appears in Your Spreadsheet
Each synced Nubank Empresas transaction creates a new row with:
- Date: transaction date, properly formatted
- Description: payer, vendor, or merchant name, cleaned up by Manio for readability
- Amount: in BRL, positive for inflows and negative for outflows
- Type: Pix, TED, bill payment, bank fee, corporate card purchase, refund
- Account: identifies whether it came from Nubank Empresas checking or the corporate card
- Transaction ID: unique identifier to prevent duplicates
All data arrives with correct character encoding. No garbled accents, no misaligned columns. From here, you build whatever you need: revenue categories by client, cost centres by project, monthly cash flow, tax reserves.
PJ Financial Management in Google Sheets
With data flowing automatically, the spreadsheet becomes a real management tool. Here are some ideas specific to Nubank Empresas users:
Monthly Cash Flow
Create a Summary tab with SUMIFS that group inflows and outflows by month. Add a bar chart to visualise the trend. With 3 to 4 months of data, seasonality patterns become clear, and planning for slow months gets easier.
Simples Nacional Tax Reserve
If the business is on the Simples Nacional tax regime, create a column that calculates the monthly tax provision based on the month's revenue. This prevents the surprise of DAS payment day with no money set aside. The official DAS calculation is done by your accountant in PGDAS-D, but the spreadsheet provision gives you early visibility.
Pro-labore and Partner Withdrawals
Filter transactions that correspond to pro-labore (partner salary) withdrawals. Track whether the monthly amount is within plan and calculate the year-to-date total for income tax purposes. The spreadsheet serves as a parallel control to the official payslip issued by your accountant.
Corporate Card vs. Checking Account
Use SUMIFS filtering by the Account column to see how much goes through the corporate card vs. the checking account. Many small business owners discover the card concentrates more spending than expected, especially on SaaS subscriptions, travel, and fuel.
Sharing with Your Accountant
Share the spreadsheet in read-only mode with your accountant. They gain visibility into the financial flow without needing access to any other system. The spreadsheet complements (does not replace) the official accounting work.
Works with Other PJ Banks Too
If your business has accounts at other banks besides Nubank Empresas, Manio connects them all and consolidates everything in the same spreadsheet. The Account column identifies the source. See also how to sync Inter Empresas and Itau Empresas to Google Sheets.
For the full guide on connecting any PJ account to Sheets, see How to Connect Your Business Account to Google Sheets Automatically.
You can also mix PF and PJ accounts in the same Manio account, each pointing to a different spreadsheet or tab. Data is never mixed.
Frequently Asked Questions
Do I need a CNPJ to connect Nubank Empresas?
Yes. Nubank Empresas is a PJ account linked to the company's CNPJ. When connecting via Open Finance, you enter the CNPJ. If you use a personal Nubank account (PF) to receive payments as a MEI, that flow also works: just enter your CPF instead.
Does Nubank charge for the Open Finance connection?
No. Data sharing via Open Finance is free, regulated by Brazil's Central Bank. Manio has a free Trial plan with 1 bank connection, daily sync, and 50 syncs. The Pro plan costs R$19.99/month, with sync every 8 hours, unlimited syncs, and up to 10 banks.
Is it safe? Does LGPD apply to PJ accounts?
The access is read-only. Nobody can move money through the integration. Your password is never shared. Open Finance is regulated by Brazil's Central Bank, and Manio treats all data under LGPD, including PJ account data (which frequently contains personal data of the business owners). You can revoke consent at any time from the Nubank app.
Does corporate card data come through?
Yes. If the PJ account has a corporate card, it appears as an additional account during the consent step. Corporate card transactions are synced alongside checking account transactions, separated by the Account column.
Can I use PF and PJ at the same time?
Yes. Many Manio users connect their personal account (PF) and business account (PJ) in the same Manio account, each pointing to a different spreadsheet or tab. Each link is independent.
How much transaction history is available on the first sync?
On the Pro plan (R$19.99/month), Manio imports all the history the bank makes available via Open Finance, typically around 12 months. On the Trial plan, the first sync covers up to 30 days. After that, new transactions arrive automatically on each cycle.
Does Manio replace my accountant?
No. Manio replaces the manual data import layer. NFS-e issuance, DAS calculation, DEFIS, pro-labore, and other tax obligations remain with your accountant. What Manio does is deliver bank data to your spreadsheet so you have financial visibility without needing an ERP.
What if my accountant needs the data?
Share the Google Sheets spreadsheet with your accountant in read-only mode. They gain visibility into the financial flow at no additional cost. Sheets serves as a complementary management view alongside the official accounting work.