{"id":28567,"date":"2021-08-15T12:00:00","date_gmt":"2021-08-15T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28567"},"modified":"2021-08-14T19:56:32","modified_gmt":"2021-08-14T19:56:32","slug":"cartao-ourocard-universitario-ou-cartao-acesso","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/de\/cartao-ourocard-universitario-ou-cartao-acesso\/","title":{"rendered":"Ourocard Universit\u00e1rio Card oder Access Card: Welche soll ich w\u00e4hlen?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-ourocard-universit%C3%A1rio-x-acesso-descubra-qual-escolher\">Ourocard Universit\u00e1rio x Access: Finden Sie heraus, welche Sie w\u00e4hlen sollten<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso? Fonte: Pexels.\"  id=\"28568\" src=\"https:\/\/ucarecdn.com\/adb98eac-e9cb-4984-a824-8b5095e0b413\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ourocard Universit\u00e1rio-Karte oder Access-Karte? Quelle: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wenn Sie Zweifel zwischen der Ourocard Universit\u00e1rio-Karte oder der Acesso-Karte haben, brauchen Sie sich keine Sorgen mehr zu machen! Heute werden wir mehr \u00fcber diese beiden Finanzprodukte sprechen, damit Sie ausw\u00e4hlen k\u00f6nnen, welches am besten zu Ihren Bed\u00fcrfnissen passt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Obwohl also beide Karten eine internationale Abdeckung haben, hat jede eine andere Marke. Dar\u00fcber hinaus richtet sich die Ourocard Universit\u00e1rio-Karte an eine bestimmte Zielgruppe, w\u00e4hrend die Access-Karte eine gro\u00dfartige Option f\u00fcr diejenigen ist, die ihre Ausgaben kontrollieren m\u00f6chten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Lesen Sie also weiter, um die Vor- und Nachteile der einzelnen Finanzprodukte kennenzulernen und zu entscheiden, welches f\u00fcr Sie am besten geeignet ist. Lass uns gehen?<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZHFcFF\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-ourocard-universitario\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie eine Ourocard Universit\u00e1rio-Karte\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-ourocard-universitario\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie eine Ourocard Universit\u00e1rio-Karte\">\n            So beantragen Sie eine Ourocard Universit\u00e1rio-Karte        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Die Ourocard Universit\u00e1rio-Karte ist eine Alternative f\u00fcr Studenten im Grundstudium. Es verzichtet auf Einkommensnachweise und bietet eine kostenlose Rente. Sehen Sie, wie Sie bestellen k\u00f6nnen!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-ourocard-universitario\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Weiter lesen            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-ourocard-universitario\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                So beantragen Sie eine Ourocard Universit\u00e1rio-Karte              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-ourocard-universitario\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1Utisn\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie eine Kreditkarte\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-de-credito-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie eine Kreditkarte\">\n            So beantragen Sie eine Kreditkarte        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Die Beantragung Ihrer Access-Kreditkarte ist sehr einfach und unkompliziert. Sehen, wie es funktioniert!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Weiter lesen            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                So beantragen Sie eine Kreditkarte              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Ourocard Universit\u00e1rio<\/strong><\/td><td><strong>Zugang<\/strong><\/td><\/tr><tr><td><strong>Mindesteinkommen&nbsp;<\/strong><strong><\/strong><\/td><td>nicht ben\u00f6tigt<\/td><td>nicht ben\u00f6tigt<\/td><\/tr><tr><td><strong>Rente<\/strong><strong><\/strong><\/td><td>Keine Rente<\/td><td>R$ 5,95 pro Monat<\/td><\/tr><tr><td><strong>Flagge<\/strong><strong><\/strong><\/td><td>Visa<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Dach<\/strong><strong><\/strong><\/td><td>International<\/td><td>International<\/td><\/tr><tr><td><strong>Vorteile&nbsp;<\/strong><strong><\/strong><\/td><td>Vorab genehmigtes Limit von R$ 1.500,00, kontaktlose Zahlung<\/td><td>Keine R\u00fccksprache mit der SPC oder Serasa, Befreiung von der Rente, wenn kein Saldo vorhanden ist<\/td><\/tr><\/tbody><\/table><figcaption>Aber was sind schlie\u00dflich seine Hauptmerkmale?<\/figcaption><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-cart%C3%A3o-ourocard-universit%C3%A1rio\">Ourocard-Universit\u00e4tskarte<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ohne Zweifel ist die Karte eine gute Option f\u00fcr alle, die mehr finanzielle Unabh\u00e4ngigkeit suchen. Aus diesem Grund hat die Banco do Brasil im Hinblick auf die Studentenschaft die Ourocard Universit\u00e1rio-Karte eingef\u00fchrt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wenn Sie also ein Hochschulstudium absolvieren und zwischen 16 und 28 Jahre alt sind, kann die Karte eine unglaubliche M\u00f6glichkeit sein, Ihre Finanzen auf praktische und einfache Weise in den Griff zu bekommen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wenn Sie jedoch unter 18 Jahre alt sind, m\u00fcssen Sie Ihren Erziehungsberechtigten um Erlaubnis bitten, den Antrag stellen zu d\u00fcrfen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Was nun die Hauptmerkmale der Karte betrifft, k\u00f6nnen wir ihre internationale Abdeckung und die Marke Visa erw\u00e4hnen. Auf diese Weise k\u00f6nnen Sie in Brasilien und auf der ganzen Welt viel einfacher einkaufen und zus\u00e4tzlich die M\u00f6glichkeit haben, vor Ort und in Online-Shops einzukaufen. Dar\u00fcber hinaus erm\u00f6glicht Ihnen die Marke die Teilnahme am Vai de Visa-Programm, um bei mehreren Partnerbetrieben Sonderrabatte zu erhalten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus wei\u00df die Banco do Brasil, dass viele Studenten aufgrund ihres Studiums immer noch nicht arbeiten k\u00f6nnen. Daher ist kein Einkommensnachweis erforderlich und f\u00fcr die Karte f\u00e4llt auch keine Jahresgeb\u00fchr an. Das ist also durchaus eine Chance auf mehr finanzielle Freiheit, oder?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-cart%C3%A3o-acesso\">Zugangskarte<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nun, die Access-Karte ist eine interessante Option f\u00fcr alle, die die Kontrolle \u00fcber ihre Finanzen behalten und nicht zu viel ausgeben m\u00f6chten. Dies liegt daran, dass es im Prepaid-Modus funktioniert und Sie nur den auf Ihrem Konto verf\u00fcgbaren Betrag ausgeben. Um die Karte nutzen zu k\u00f6nnen, m\u00fcssen Sie sie daher zun\u00e4chst aufladen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus ist das Aufladen Ihrer Karte sehr einfach und kann auf verschiedene Arten erfolgen, z. B. per Bankeinzug, \u00dcberweisung, Einzahlung auf ein Konto und sogar bei akkreditierten Einrichtungen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ein weiteres Merkmal der Karte ist, dass sie eine internationale Abdeckung bietet, sodass Sie in physischen und Online-Shops sowohl in Brasilien als auch im Ausland einkaufen k\u00f6nnen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus stehen Ihnen zwei Kartenversionen zur Verf\u00fcgung: physisch und virtuell. Dadurch werden Ihre Eink\u00e4ufe deutlich praktischer und Sie k\u00f6nnen Abonnements und Zahlungen f\u00fcr Dienste wie Netflix und Uber t\u00e4tigen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Schlie\u00dflich k\u00f6nnen Sie das Finanzprodukt auch dann anfordern, wenn es negativ ausf\u00e4llt, da keine Kreditsicherungsagenturen konsultiert werden. Die Karte ist also eine gro\u00dfartige M\u00f6glichkeit, sich um Ihre Finanzen zu k\u00fcmmern, finden Sie nicht?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-ourocard-universit%C3%A1rio\">Welche Vorteile bietet die Ourocard Universit\u00e1rio-Karte?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Ent\u00e3o, quais s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"28971\" src=\"https:\/\/ucarecdn.com\/04545aa6-2aaf-4645-a907-481f2cec2830\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Was sind also Ihre Vorteile? Quelle: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Lassen Sie uns nun \u00fcber die Hauptvorteile jeder Karte sprechen, damit Sie entscheiden k\u00f6nnen, welche am besten zu Ihrem Finanzleben passt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nun, die Ourocard Universit\u00e1rio-Karte ist ein sehr interessantes Instrument f\u00fcr junge Hochschulstudenten, um ihre Finanzen zu kontrollieren.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Daher verf\u00fcgt die Karte bereits \u00fcber ein vorab genehmigtes Limit von R$ 1.500,00. Auf diese Weise k\u00f6nnen Sie es entsprechend Ihren Bed\u00fcrfnissen nutzen. Denken Sie jedoch daran, Ihre Ausgaben unter Kontrolle zu halten und immer eine gute Finanzplanung zu haben, um nicht das Risiko einzugehen, Schulden zu machen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus ist die Banco do Brasil ein wichtiger Sponsor von Kultur-, Sport- und Unterhaltungsveranstaltungen, nicht wahr? Damit Ihre Kunden nicht au\u00dfen vor bleiben! Daher k\u00f6nnen Sie bei mehreren dieser Veranstaltungen von exklusiven Rabatten und Sonderangeboten profitieren.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ein weiterer Vorteil der Karte ist die kontaktlose Zahlungstechnologie. Um Ihre Eink\u00e4ufe abzuschlie\u00dfen, bringen Sie einfach Ihre Ourocard-Karte oder Ihr Armband zum Automaten und fertig! Dadurch wird die Bedienung wesentlich sicherer, da kein Passwort erforderlich ist.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-vantagens-do-cart%C3%A3o-acesso\">Welche Vorteile bietet die Access-Karte?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Ent\u00e3o, quais s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"28974\" src=\"https:\/\/ucarecdn.com\/93c62dd0-4bef-47ab-bad6-766e23a9c14d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Was sind also Ihre Vorteile? Quelle: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Was nun die positiven Aspekte der Access-Karte betrifft, k\u00f6nnen wir erw\u00e4hnen, dass Sie kein Bankkontoinhaber sein m\u00fcssen, um Ihre Access-Karte zu beantragen. Auf diese Weise k\u00f6nnen Sie alle Vorteile genie\u00dfen, ohne sich um die Er\u00f6ffnung eines Kontos k\u00fcmmern zu m\u00fcssen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Au\u00dferdem ist es ganz einfach, Ihr Exemplar zu bestellen! Sie haben also zwei Kaufoptionen: \u00fcber die offizielle Website oder in akkreditierten Gesch\u00e4ften und M\u00e4rkten. Es ist sehr praktisch, nicht wahr?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus wird die monatliche Wartungsgeb\u00fchr f\u00fcr Ihre Karte nur dann erhoben, wenn Sie \u00fcber ein Guthaben verf\u00fcgen. Auf diese Weise m\u00fcssen Sie sich keine Sorgen \u00fcber ein negatives Konto machen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Schlie\u00dflich tr\u00e4gt die Karte die Marke Mastercard, die ihren Kunden mehrere Vorteile bietet. Somit k\u00f6nnen Sie Ihre Karte in Tausenden von akkreditierten Einrichtungen auf der ganzen Welt verwenden und zus\u00e4tzlich am Pr\u00e4mienprogramm Mastercard Surpreenda teilnehmen.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quais-as-desvantagens-do-cart%C3%A3o-ourocard-universit%C3%A1rio\">Welche Nachteile hat die Ourocard Universit\u00e1rio-Karte?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nun, wie bereits erw\u00e4hnt, gelten f\u00fcr die Karte einige Einschr\u00e4nkungen f\u00fcr ihre Kunden. Daher k\u00f6nnen Sie Ihr Finanzprodukt nur beantragen, wenn Sie zwischen 16 und 28 Jahre alt sind und sich f\u00fcr einen h\u00f6heren Studiengang eingeschrieben haben.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus kann die Banco do Brasil Ihre Karte \u00e4ndern, wenn Sie diese Anforderungen nicht mehr erf\u00fcllen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Obwohl kontaktloses Bezahlen mit dem Ourocard-Armband eine sehr praktische Art ist, Ihre Eink\u00e4ufe zu t\u00e4tigen, f\u00e4llt f\u00fcr den Kauf Ihres Armbands eine Geb\u00fchr von R$ 40,00 an. Dies ist jedoch optional und Sie k\u00f6nnen die Technologie nur mit der Karte normal weiter nutzen.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-acesso\">Welche Nachteile hat die Access-Karte?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nun, einer der negativen Punkte der Karte ist, dass f\u00fcr die Durchf\u00fchrung bestimmter Vorg\u00e4nge Geb\u00fchren anfallen. Bei Aufladungen unter 500,00 R$ betr\u00e4gt die Servicegeb\u00fchr beispielsweise 2,50 R$. Bei einem h\u00f6heren Betrag ist die Aufladung kostenlos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zus\u00e4tzlich erhebt die Karte eine monatliche Geb\u00fchr von R$ 5,95. Allerdings muss, wie bereits erw\u00e4hnt, ein Guthaben vorhanden sein, damit der Betrag abgezogen werden kann. Auf diese Weise entsteht nie ein negatives Konto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus k\u00f6nnen Sie Ihre Eink\u00e4ufe nicht in Raten bezahlen. Dies liegt daran, dass es sich bei der Karte um eine Prepaid-Karte handelt, die einen solchen Vorgang nicht zul\u00e4sst.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-ourocard-universit%C3%A1rio-ou-cart%C3%A3o-acesso-qual-escolher\">Ourocard Universit\u00e1rio-Karte oder Access-Karte: Welche soll ich w\u00e4hlen?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jetzt, wo Sie mehr \u00fcber die beiden Karten wissen, f\u00e4llt es Ihnen leichter, eine Entscheidung zu treffen, oder? Ourocard Universit\u00e1rio-Karte oder Access-Karte?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Um die Ourocard Universit\u00e1rio-Karte zu beantragen, m\u00fcssen Sie also ein Hochschulstudium absolvieren und zwischen 16 und 28 Jahre alt sein. Und wenn Sie in diese Kategorie fallen, bietet die Karte zahlreiche Vorteile, wie kontaktloses Bezahlen und vorab genehmigtes Limit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Die Access-Karte ist perfekt f\u00fcr diejenigen, die ihre Ausgaben kontrollieren m\u00f6chten, da Sie ein Guthaben auf Ihrem Konto ben\u00f6tigen, um sie nutzen zu k\u00f6nnen. Allerdings ist es nicht die beste Option f\u00fcr diejenigen, die ihre Eink\u00e4ufe in Raten t\u00e4tigen m\u00f6chten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bewerten Sie daher jede Karte sorgf\u00e4ltig, um die f\u00fcr Ihre aktuellen finanziellen Bed\u00fcrfnisse am besten geeignete auszuw\u00e4hlen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aber wenn Sie es bis hierher geschafft haben und noch Fragen haben, k\u00f6nnen wir Ihnen helfen! Schauen Sie sich also unten unseren empfohlenen Inhalt mit einem Vergleich zweier weiterer unglaublicher Karten an, die auf dem Markt erh\u00e4ltlich sind.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1dpNu3\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/de\/cartao-renner-ou-cartao-polishop-qual-escolher\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Renner-Karte oder Polishop-Karte?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3ef75870-1b79-4cdc-8cbb-e423e5471485\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/de\/cartao-renner-ou-cartao-polishop-qual-escolher\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Renner-Karte oder Polishop-Karte?\">\n            Renner-Karte oder Polishop-Karte? 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this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/cartao-renner-ou-cartao-polishop-qual-escolher\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Entweder die Ourocard Universit\u00e1rio-Karte oder die Acesso-Karte, beide haben internationalen Versicherungsschutz und erfordern keinen Einkommensnachweis. 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