Most financial institutions already have good digital account options. It is natural that customers are increasingly connected and want to move their money easily, quickly and 100% online. But there are also excellent digital account options for negative people!

Therefore, with so many financial institutions and brokers in the Brazilian market, it can be difficult to choose the one that best fits your profile. Furthermore, those with restrictions on their CPF must know how to select the best option, as banks and fintechs increasingly seek to attract this audience. 

Therefore, we will help you find out which institutions have the best digital accounts for negative people, and their main information. So, stay with us and check it out below.

Because digital accounts are much more advantageous for negative people than common bank current accounts! In short, digital accounts can be opened through the bank's website or app, as well as offering a more comprehensive package of services. In addition, most are exempt from fees or maintenance or transfer fees.

Therefore, digital accounts are excellent alternatives for negative people! As they have lower fees and bureaucracy, making it possible to manage values in a practical way. 

With the exception of withdrawals, as the bank normally uses Banco24Horas ATMs, the Cirrus network, the Plus network, among others. So, in this case, there is a fee charged per withdrawal. 

Furthermore, these accounts generally offer the option of a prepaid credit card along with it, with no annual fee. In other words, more benefits for negative people to choose a digital account to call their own!

In fact, through your digital account you have access to:

So, all control and movement of this account can be done through the bank's app or website. So, you have access to:

Furthermore, there are some online accounts that allow your money to earn returns at higher rates than savings, for example. It is worth noting that all support generally takes place online and, in many cases, there is 24/7 support.

In short, digital accounts for negative people bring many advantages for those who need a practical financial service to manage their finances, and even get a credit card!

So, if you have restrictions on your CPF but would like to take advantage of all these advantages, don't worry! We're going to make the search process easier and present great options for digital accounts for negative people below!

Don't miss it below.

So, as we said, financial institutions are increasingly targeting the public looking for digital accounts for those with bad debts, or even those who just want a simpler account without many requirements.

Given this, fintechs identified this opportunity and invested in technologies to facilitate the financial transactions of their customers with restrictions on their CPF.

So, those who don't adapt are left behind. Therefore, most digital banks are also jumping on the bandwagon of digital accounts for negative people. 

So, now check out 7 good digital account options for you to choose yours!

Superdigital is Santander's digital bank. There you have access to a digital account with no maintenance fee with Pix transfers and between free and unlimited Superdigital accounts. Transfers between banks and withdrawals from Banco24Horas ATMs are charged R$ 5.90 and R$ 6.40, respectively.

In addition, you have access to an international prepaid card (subject to credit analysis) with the Mastercard brand. It has no annual fee and has many benefits associated with the brand, such as the Mastercard Surpreenda Program.

It is worth noting that to open your account there is no consultation with the SPC and Serasa, nor is there a requirement for proof of income. To carry out this process, simply access the bank's website and fill out the registration form. After that, all account transactions can be done through the app.

.

C6 Bank is a financial technology company that emerged with the aim of bringing practicality and ease to your financial life. Therefore, it is a fully digital bank that invests in its target audience in search of agility and good interaction with the digital world.

And with this in mind, the company brought an interactive and practical digital account to its customers. This digital account can be requested at any time via the C6 Bank website or app, requiring few documents and a quick assessment.

Furthermore, the account does not charge fees or annual fees for the digital account. Just as it offers unlimited and free transfers and withdrawals at Banco24Horas ATMs. In addition, it has three cards: C6 debit, C6 credit and debit and C6 Black (subject to credit analysis).

All of them are international with the Mastercard brand and have many benefits, such as no annual fee, the Atom Points Program, the Mastercard Surpreenda Program, the C6 Tag (free tolls and parking without queues), among other advantages.

To open the account and request the card, simply download the bank's app and fill out the proposal. If you are approved, you will be able to start operating your account and enjoy all the benefits associated with it.

Thus, with your digital account, the user will be able to carry out all banking transactions from traditional current accounts. However, it is completely easy to manage and control your finances and expenses completely online through the application.

Neon's digital account also has a free maintenance fee, as well as unlimited and free transfers. In addition, it is possible to make 3 free withdrawals during 30 days at Banco24Horas ATMs. Excess withdrawals cost R$ 5.90.

You can open your account through the institution's app. To do this, simply download it from Google Play or the Apple Store and fill in the form with your details. If you are approved, you will be able to make the moves.

In other words, you will be able to make payments, transfers, withdrawals, loans, investments, among other services. Furthermore, it is possible to request a Neon credit card (subject to credit analysis). 

It is international with the Visa brand. Furthermore, there is no annual fee, and it has many advantages, such as the Vai de Visa Program, automatic debit invoice, among other benefits associated with the brand and the digital account.

NuConta from Nubank is our third fee-free digital account option. It is exempt from maintenance fees, and there is no charge for transfers. Withdrawals cost R$ 6.50 per transaction carried out at Banco24Horas ATMs.

To open your account, simply access the bank's website or app and fill out the form with the requested information. If approved, you will be able to make withdrawals, transfers, loans, investments, payments, among other transactions.

It is worth highlighting that the money that remains in the digital account yields more than 100% of the CDI, that is, it has a higher yield than savings. This is a big differentiator for the account. Furthermore, you can request the purple card, that is, the Nubank credit card (subject to credit analysis).

It is international with the Mastercard brand. Furthermore, it has no annual fee, and offers many advantages, such as the Mastercard Surpreenda Program, contactless payment and the Nubank Rewards Program (optional).

Banco Inter is our first fee-free digital account option. Through it, it is possible to make Pix, transfers and withdrawals for free. Furthermore, there is no maintenance fee charged.

To obtain your account you need to download the bank app from Google Play or the Apple Store. Then, fill out the registration form so that your request can be sent for credit analysis.

If approved, you will be able to make transactions on the account, such as transfers, withdrawals, payments, loans, investments, among others. It is also possible to request your Inter credit card (subject to credit analysis).

It is also important to mention that the card you request has the Gold variant, to obtain the Platinum or Black version it is necessary to upgrade your digital account. This financial product is international under the Mastercard brand. 

It also has many advantages, such as contactless payment, zero annual fees, Mastercard Surpreenda Program, Cashback Program, among other benefits associated with the digital account and the brand.

Digio is a very versatile digital account option, which seeks to attract a customer profile with lower credit expenses and even restrictions on CPF. But at the same time, it seeks customers who are looking for all the practicality of a card with a digital account.

Thus, the Digio digital account, in addition to being free, also offers a credit card for users, is also exempt from annual fees, and does not even have a minimum monthly spending limit.

So, among the good advantages of Digio to be among the digital account options for negative people, we can list:

Digio is a good option among digital accounts for negative people if you are looking for a digital bank and zero paperwork. In other words, your credit card and digital account with all the practicality, benefits and security!

The BMG digital account is a new proposal from the bank, following the general global trend of financial institutions. This way, the customer has many more advantages, practicality and no bureaucracy!

Because the digital account’s slogan is: “The free digital account that helps you save money”. And the account has everything, but there are no fees to make it even more attractive for you! So, yes, one of the digital accounts for negative people that can offer you everything that the traditional format offers, with the advantages of a request process and other transactions, completely online!

In this way, BMG bank seeks to attract new customer profiles, in addition to its traditional audiences of retirees, pensioners and public servants. And the BMG digital account is not far behind in terms of benefits and technology, achieving its objective of entering this new digital niche.

Because with the possibility of doing everything online through the bank's digital platform, and also through the BMG app, it will be much easier to manage your financial life, right? 

In addition, the BMG digital account has a series of discounts and fee exemptions on its banking services. There are also options to change your credit limit, make investments and have an exclusive benefits program for your account holders.

Therefore, in general, the benefits of your digital account will be:

Therefore, anyone who decides to open a digital account at BMG bank will hardly regret it, as it will be a service that values ease, practicality and good quality.