What is digital account? The digital account is a kind of current account that banks offer to card users who want to be more agile, easy and more autonomous.
It is managed by digital medium, on the computer, cell phone, or even ATMs, without the need for intermediation from physical banks or agencies.
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so they are fine less bureaucratic and can be opened or closed by the Internet, without having to leave the house.
These accounts may vary in characteristics depending on the bank, but they usually offer the same services as traditional accounts. In addition, digital accounts have no fees or fees.
This is because, as it does not require assistance from a person, operating costs for the bank are reduced.
The accounts are very suitable for those who already carry out bank transactions via the internet, not needing physical branches. This is a great opportunity for this audience, as most accounts are free, with no annuities or monthly fees. However, some banks may charge for services.
As already mentioned, the exclusion of annuities and service fees can make a big difference in the final bill. In addition, agility comes in as a positive point, being able to always have the service in the palm of the hand.
The customer does not need to move or queue to carry out simple banking actions.
In addition, most accounts do not charge for transactions such as TED and DOC, or maintenance fees.
Some digital accounts may offer income, investment platforms or insurance and be more advantageous than traditional checking accounts.
check the top digital accounts.
Formerly called Agiplan, the Agibank it is the first digital bank to transform your phone number into a checking account.
Offers application for Android or IOS, presents a 100% digital and free account, credit card and international debit without charge, payments made with QR code and possibility of withdrawals in lottery.
However, it presents as a negative point a fee-free transaction limit per month and limits for free withdrawals.
O Banco Inter one of the most popular, offering great value for money
The application is available for Android and IOS, there are no fees for virtually all services such as: unlimited transactions, TED to any bank and credit card with no annual fee.
It also presents a wide availability of services, such as insurance, investment, loans and financing.
Original does not offer a free digital account and is focused on high-income customers.
The digital account offers limited services lasting one year, has limits for withdrawals, transfers and statements.
As advantages, the account offers a wide variety of credit cards available, offers an investment platform, insurance and offers cashback for purchases.
It is the digital bank created by Bradesco, aimed more at young people.
the account of Next offers different types of accounts, with the plans: In the Range (free), In the measure (R$ 9.95 per month), Tem Tudo (R$ 29.95 per month) and Turbocharged (R$ 39.95 per month) .
It features a free financial manager, the crowdfunding platform to join friends and control expenses, offers a wide variety of benefits for account holders and credit cards with international, Gold or Platinum.
As negative points, the Next account does not offer deposits by bank slip and does not have an investment or insurance platform.
O Nubank brings the differential with its Nuconta, which yields more than savings, with excellent values. In addition, the account has no fees, fast analysis and free transfers.
As negative points, it has the absence of an investment platform, fees of BRL 6.50 for each withdrawal on the 24-hour network and it is not yet complete, presenting a test version.
Check also: TED and DOC: Know the difference between operations
