Which digital account does not need to send documents?
Do you know which digital accounts don't require submitting documents? This is such an important step in opening an account—is it even possible? Read on to find out!
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In the past, opening a bank account required several documents. However, times have changed, and this process has been simplified.
In fact, this is one of the great advantages of digital accounts: the simplicity of opening an account.
However, Which digital account does not need to send documents? Is there any?
Well, you'll find the answer to that question in this text, but there's more bonus content awaiting you. Be sure to keep reading.
See our index below:
- What are the documents for when opening a digital account?
- What documents are needed to open a digital account?
- Which digital account does not need to send documents;
- About the Banqi digital account;
- How to open a digital account at Banqi;
- Conclusion.
What are the documents for when opening a digital account?
Obviously, presenting documents is essential when requesting any financial service, whether in person or online.
This item is essential to prove your ownership, that is, for the institution to be sure that the person requesting the service is the same as the data provided.
Therefore, this process is very important for the bank's security, but especially for yours.
This is because it prevents someone from requesting a service in your name, without your consent.
If the bank detects that the documentation does not match the information provided, it will not approve the service.
That's why an identification document is so important, one that has your photo on it, for example, an ID card and driver's license.
In digitally opened accounts, the bank can make this comparison through a selfie, which is why most require an identification document and a selfie.
Some even request a short video, such as Banco Next.
Sure, having to send a “just now photo” is annoying and embarrassing, but in this case, it’s essential for your safety.
Well, now that you know one of the main reasons for sending documentation and its importance, you know that it is not so important to know which digital account does not need to send documentation, right?
This is because sending documents is an essential, important, and safe step when subscribing to any financial product or service.
However, if you still insist on knowing the answer to this question, we'll tell you soon. First, see what documents are required to open a digital account.
What documents are required to open a digital account?
Well, it depends on each institution, but normally, you just need to send photos of your ID with your CPF or driver's license number, a selfie, and proof of address.
In some cases, especially when applying for credit, you may need to submit proof of income.
Which digital account does not need to send documents?
It's very rare to find a digital account that doesn't require submitting documents. A few years ago, Banco do Brasil released a digital account that could be opened without submitting documentation, a selfie, or a signature to prove the applicant's ownership.
The account was called Conta Fácil Bradesco, and the intention was to streamline the service. At the time, approval wasn't very good, and people felt insecure about the account. This was normal for the time, since digital accounts weren't as common as they are today.
People feared that this account would facilitate criminal activity, for example, by committing scams, money laundering, tax evasion, and opening accounts in the name of "front men."
Conta Fácil still exists, but is currently not available for new subscriptions.
It's actually a prepaid account, meaning it has no credit limit. Furthermore, you can only withdraw R$$500.00. To withdraw up to R$$5,000, you'll need to verify your documentation and send a selfie.
In the end, Which digital account does not need to send documents? Well, after much research, we found another digital account that doesn't require documents to be sent.
The good news is that it is from a very well-known and famous company in our country, Casas Bahia.
So, keep reading and learn about Banqi, the free digital account for Brazilians!
About the Banqi digital account
This digital account is completely digital. To open one, you just need to be over 18 years old and have a valid CPF.
Through the account app, you can make payments, control expenses, make transfers, top up your cell phone, and shop online.
Plus, you can still use PIX to send and receive money quickly, easily, and securely.
Ah! All this is free, the only fees charged are for withdrawals, R$$6.90 per withdrawal, and to issue a second copy of the prepaid card, R$$14.90.
To see the fee table and the limit for each operation, click here.
The Banqi digital account also offers a personal loan, where you can borrow up to R$1,000 and repay in up to 18 months.
How to open a Banqi digital account?
First, you need to download the app. Once done, enter your CPF and email address.
Next, you'll enter some information and create a password. Finally, you'll be asked for your cell phone number to receive a confirmation text message.
Then, you'll create a PIN, which will be your card's password and used for transactions. Make your deposit and start using your account.
On your first deposit, you'll earn a R$5.00 bonus. Plus, you can earn more R$ by referring friends.
Banqi doesn't yet offer a credit card, only a prepaid card. But this option also has its advantages.
You can also earn cashback on purchases made with it and exclusive discounts on purchases made at Casas Bahia.
If you were wondering which digital account does not need to send documents, just found it, download the app and open your Banqi account.
Conclusion
Although I found a digital account that doesn't require submitting documentation, it is very limited and focuses more on banking services than financial services.
In fact, it works more like a payment wallet.
However, if you're looking for more comprehensive options and excellent financial products, there are many options where the account opening process is quick and simple, but they require you to submit documents.
Certainly, depending on your needs, this is the ideal alternative.
Finally, don't leave yet, you might like to know the best credit card flags.
