One of the biggest dilemmas for people with a dirty name is not being able to open an account at a bank branch, but do you know which are the 5 best digital accounts for negatives?

In addition to providing the same advantages as conventional banks, digital accounts allow negatives to enjoy the same services as other banks.

So, we are going to show you which are the best digital accounts for negatives, as well as some useful information on the subject.

Initially, this is one of the biggest advantages of opening a digital account, the possibility of opening negative accounts.

This is because digital accounts offer all the services that other conventional banks do, however, they do not need to offer credit to customers, so there is no reason to restrict negative ones.

So, we will see further advantages among the top 5 digital accounts for negatives.

Because they are much less bureaucratic, digital accounts have become a rage among Brazilians.

So, among so many digital accounts, we'll show you below which are the five best digital accounts that can be made by people with a dirty name!

So let's start by talking about Banco Inter, former Banco Intermedium, which is one of the first digital banks to emerge, and is also one of those that present the best proposals.

This is because Banco Inter is a fully digital bank, where all its services are performed online, through the institution's application or website.

In addition, it is a completely fee-free bank, that is, there are no fees for:

However, the inter bank may charge interest fees in case of overdraft or other similar services.

Another point is that Banco Inter's investment platform is considered one of the most versatile on the market.

Thus, among the services offered by Banco Inter, which operate 24 hours a day and are free of charge, we have:

Finally, the inter bank is one of the most accessed by customers looking for an accessible digital account, mainly for negatives, as well as presenting optimized services for its users.

Digital banks are here to stay. That's because many people can't stand the idea of appearing in person at a bank to solve problems.

However, there are conventional banks that have also joined their own digital accounts, such as Banco Santander, to make life easier for customers.

Therefore, superdigital, is a fintech acquired by Banco Santander in 2017, which has several services and advantages for its customers, and already has more than two million accounts opened.

So, to open the account, just:

In other words, superdigital is a bank that seeks to provide its customers with simpler methods for solving problems.

To make life even simpler, the account can be opened in less than five minutes using your cell phone, and there is no need to:

At superdigital, the customer will find two models of service packages: One for individuals, and another for MEI – Individual micro entrepreneur.

For MEI, the account is free, offers a credit card and up to five virtual cards for customers to shop online.

Unfortunately, still dealing with the MEI account, there are services that are paid separately, such as withdrawals at Banco24horas cashiers for around R$6.40 each, and transfers to accounts at other banks, worth R$5.90 each.

As for the physical account, a monthly maintenance fee of R$9.90 per month is charged, well below the value of other conventional banks.

However, this amount can be waived if the customer spends an amount of R$500 per month on the bank card.

In the service package of the individual digital account, the customer will be entitled to a free withdrawal and transfers every month.

In addition, there are other free services such as deposit by bank slip up to a limit of two bank slips per month, and checking the balance by message on the cell phone.

However, if the customer wants to view the balance or statement in the 24hour bank, the cost is R$2 (two) reais, and, in case of loss, theft or misplacement of a credit card, to request a new card, the cost is R$14.00 (fourteen) reais.

For withdrawals abroad, made through the account, the cost will be R$19.90, and for issuing a bank slip, the cost will be R$2.90.

At superdigital, the credit card is international, under the mastercard brand, and does not charge an annuity, and because it is a mastercard, the services of the MastercardSurpreenda program can be used.

Thus, the card is sent to the customer's home, after receiving any amount in the digital account, however, this does not work as a fee, it is just a way of activating the account.

In addition, the deadline for receiving the card is up to ten business days, and may arrive in less days.

The superdigital card is not a credit card, but a prepaid card, that is, when the customer goes shopping, the amount is debited from the current account immediately after the transaction is proven, functioning as a credit card. debit.

The superdigital account offers several benefits for those who have an individual checking account, and receive their salary at the bank itself.

This occurs in the so-called “super account” subscription, which is the one in which the customer pays the amount of R$9.90 per month, instead of a withdrawal together with free transfers per month, the customer will be entitled to four withdrawals.

In addition, if when opening the account, the customer chooses not to pay the monthly fee, he can choose the so-called “super zero” subscription.

Furthermore, a very interesting curiosity is that if the customer's account is zero in a given month, the monthly fee is not charged, thus preventing the risk of being negative.

And, one difference that superdigital has for the vast majority of digital banks, is that as it is a fintech of the Santander group, superdigital accepts deposits into an account, in cash, directly through the Santander bank ATM.

Finally, superdigital also offers the simulation and contracting of personal loans directly through the app, being a great choice among digital accounts for negatives.

Neon Pagamentos has several service options within the Neon bank's digital app, including a legal entity account.

Banco neon, like other digital banks, is a bank without queues, without bureaucracy, completely digital, with accessible services.

To download the digital account, just install the Neon bank app on your cell phone, fill out the registration form, similar to that of the inter bank, as mentioned above, and wait for your digital account to be approved.

Thus, after approval of the digital account, the customer will need to make a deposit in the amount of R$100 in the current account, so that the account is activated, and the physical and virtual debit cards are released.

An advantage of this bank is the absence of annuity or monthly fee, and it also offers an international Visa card, also being a prepaid card.

Among the advantages of the neon bank, we have:

It is important to know that the physical and virtual cards will only be available to the customer, in the debit function, that is, it is not possible to:

In the credit function, the neon bank virtual card is used for internet purchases, however, it is only for making the purchase, as the debit continues to be automatic.

So, any purchase that the customer makes with the neon card will only be approved if he has enough balance.

Neon bank rates also have great advantages see:

However, not everything is rosy, so if the customer wants to transfer between different bank accounts, the bank offers 1 free transfer per month.

However, after using the transfer, the customer will need to pay a fee of R$3.50 per TED, if he wants to make a new transfer.

On the Banco24horas networks, withdrawals cost R$6.90 in addition to the deductible, as the customer will also be entitled to one free withdrawal per month.

As for issuing bank slips, the customer will also be entitled to issue one free bank slip per month, and above that, a fee of R$2.50 is charged per ticket issue.

For international purchases with the neon card, there will be an IOF tax (6.38%) plus 4% on each purchase made with the card.

Finally, to open the digital account, you just need to be over 18 years old, have a valid CPF, and goodwill, the account can be opened in a simple and quick way!

The agibank bank belonged to the agiplan bank, which changed its name, and became a 100% digital bank, to make life easier for customers.

Thus, the new digital bank agibank reformulated the old account, as well as bringing great improvements to customers, see:

It is also important to know that digital accounts can be for individuals and companies, that is, multiple functions, international, mastercard brand, in addition to participating in the MastercardSurpreenda program.

After the arrival of the agibank card, in addition to using lottery outlets to make withdrawals, the customer will also be able to use the ATMs.

Among other advantages we have:

There is also the possibility of investing in CDB – Bank Deposit Certificate, however, to find information on profitability, the customer should consult the bank.

Regarding fees, the bank presents the following:

So, this account is also a good choice among digital accounts for negative accounts, however, it has high fees compared to other banks.

Banco Original was the first 100% digital financial institution to allow the opening of a current account completely through an application.

At the outset, we need to say that the original bank is focused on consumers with high purchasing power, but also on those with income from R$2,500 (two thousand five hundred) reais.

The original bank allows Gold, Platinum or Black credit card with the first annuity totally free.

Like other digital banks, the digital account can also be opened completely online, bringing convenience to customers' lives.

In addition, the customer can make payments, investments and transfers through the original bank application, in a simple way.

Another advantage is the clearing of checks by cell phone, through image, providing more efficient ways of solving problems.

The original bank also provides:

One of the positive points of Banco Original is that it presents the best investment experiences for customers, as well as teaching you how to control expenses, that is, it is worth getting to know this bank in the best way.

The original Bank is a little more sophisticated than the other banks, however, it has great advantages by providing a differentiated experience for customers.

As we mentioned above, digital accounts are current accounts, which work in the same way as traditional accounts, however, there are no maintenance fees.

Thus, the main function of the digital current account is to provide the same services that traditional accounts provide, but in an optimized and simple way.

Therefore, the operations of the digital accounts must be done through an app on the cell phone, ATMs or through the website.

That is, in addition to the amounts charged outside the digital account package, the services that will be free will change depending on the bank, as we showed earlier.

So, before choosing the best digital account, the customer needs to know which services are offered, and which ones are free.

This is because not all banks offer the digital account, precisely because it is not mandatory.

Just like, according to studies by Protec, the digital account is the best choice for people who are used to using electronic services and are looking for speed, as well as security and practicality.

In addition, there are numerous proposals for digital accounts for negative accounts, which does not happen so easily in other accounts. 

So, to understand a little more about the subject of digital accounts for negatives, also visit the link below: