Why open a digital account?
In 2020, digital banks surpassed traditional banks in downloads, according to data from UBS.
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During the pandemic, the number grew even more, with an estimated 3-year acceleration in the growth of digital account users.
In the end, why open a digital accountWhat is so advantageous and special about it?
Keep reading this article and find out! See our index below:
- What is a digital account;
- How it works;
- Why open a digital account;
- Best digital accounts today;
- Conclusion.
What is a digital account?
A digital account is an account that you open digitally, that is, online via a mobile phone app or website.
Typically, they are managed by digital banks (fintech), but most traditional banks already have their own digital accounts.
Demand for this account model has grown significantly in recent months, so it was impossible to stay out of this highly competitive market.
Digital accounts stand out because they are more economical and offer many benefits to their users.
How does a digital account work?
With the digital account, you can do everything through the app, from the simplest transactions to larger operations.
It works like a regular bank, where you can carry out your banking transactions, however, it has much more to offer and is more beneficial.
Why open a digital account?
In the end, Why open a digital account?
Calm down, I'll tell you!
There are many reasons to open a digital account, so follow along!
#1 No monthly fee
Most digital accounts don't charge annual fees, maintenance fees, monthly fees, or other unusual fees.
Some are even completely free, even the main services are free, for example, you don't pay anything to issue a bill, withdraw money or even make a TED.
Therefore, you can save a lot more with one of these.
Why open a digital account? Because it's more economical.
#2 No need to leave home
With this account model, you can do everything online, without having to leave your home to sign a document or wait in line.
Even if you have any problem, you can solve it online.
Even services that were previously only available in person can be found on the app, such as loans.
In the rush of everyday life and in times of Covid-19, having this convenience is perfect!
#3 Less bureaucracy
Digital accounts are less bureaucratic and more simplified, with few requirements, so even those with bad credit can easily open one and even get a credit card.
Read our article: Those with a bad credit history can have a credit card?
The account opening process is very simple and quick, most companies approve the account immediately.
#4 More investment options
If you're looking for a brokerage to start investing your money, know that there are digital accounts with an incredible variety of investments.
In some cases you can invest from R$1.00, for example, in Next and Mercado Pago (cryptocurrencies).
A big difference is that the profitability of these accounts can be higher than that of traditional banks.
Speaking of profitability, in these accounts, your balance can yield up to 200% of the CDI, without needing to invest in anything.
Just leave your money in the account and you will see it yield more than savings.
#5 Savings and extra money
Why open a digital account? Because you can save a lot and still earn some extra money!
That's right!
Among the many benefits of this account, we find discounts at partner stores, coupons, cards with cashback, and even the opportunity to earn extra money by referring friends.
A digital account is definitely more advantageous and economical, and there's no denying it!
The reasons for you to open yours are so obvious that I'll stop here, as I've already said enough about them.
But it's not over yet! Now, you'll discover the best digital accounts available today.
What are the best digital accounts today?
First, I want to inform you that if you like any of the accounts mentioned below and want to know more details, you can find information here on our blog, just search for our content.
Additionally, to become a customer of any of them, download the app and open an account. It's simple, easy, and fast.
So, let's go!
I will start by talking about Inter, one of the pioneers in this digital world, with Neon and Original.
It's among the best around today and has a credit card with cashback and great investment options.
With fintech Mercado Pago, you can easily get credit, even if you have a negative credit rating.
Plus, you get many benefits when shopping at Mercado Livre.
THE Nubank It is one of the largest digital banks today, it is still the darling of Brazilians, but it already has many competitors at the same level.
THE Digio It's a great digital bank, but it still doesn't get the recognition it deserves. Its digital account has no annual fee, and it offers credit to those with low credit scores.
With the Next You get lots of treats and have a cute digital account for your kids.
Finally, the Picpay card is one of the best digital accounts for earning cash back on your purchases and bill payments, including installment payments.
There are still dozens of other great digital accounts, but consider these suggestions.
Why open a digital account? Conclusion
Digital accounts are more economically advantageous. They give you access to a variety of financial products and services without having to leave your home.
Plus, you can easily do banking transactions using just your cell phone.
If you don't have a digital account yet, how about opening one and experiencing all the benefits it offers?
You'll definitely want to open more than one; after all, it's free and advantageous. However, don't apply for multiple credit cards.
Just request the prepaid card and concentrate your spending on just one credit card, two at most, nothing more than that, okay?
