Opening a bank account has become a slightly less bureaucratic process since digital banks emerged. The possibility of creating an account with a few clicks has streamlined the financial life of many people. Nowadays, with so many options, it is even difficult to decide which are the best digital banks to open an account. Factors such as minimum income, release of credit, among others, influence the choice of financial institution.

That's why, in today's article, we're going to show you which are the best digital banks for you to open your account in 2022. Keep reading and see the advantages and disadvantages of each one!

We have gathered the 5 best digital banks to open an account in 2022. Here you will see the advantages, disadvantages and details of each one's services. In addition to understanding what is the differential of a digital account. Let's go!

Agibank is a digital bank with more than 600 physical service points throughout Brazil. So, if face-to-face contact at the branch is still important to you, it's a good idea to consider this bank. If not, it is still possible to solve everything with the cell phone in hand.

The Agibank current account has basic services, such as:

Banco BMG won 3 categories of the Modern Consumer Award in 2021. And it appears as a great digital bank to open an account. The BMG digital account has:

In addition, BMG account holders can use “Poupa para mim” a program that helps you save money. This is done by rounding off the cents spent by each person.

For example, if you go to the pharmacy and make a purchase of R$20.80, the bank will debit R$21.00 from your account. And the remaining R$0.20 goes directly into your savings account. A cool feature for those who want to save little by little and don't know how.

This digital bank allows you to open your account in just 7 minutes through the application! This account follows a slightly different modality, as the credit card is prepaid. That is, it is necessary to have a balance in the account to spend. However, the account has no fees. If your balance is zero for a few months, nothing is charged. Check out more services of the Superdigital account:

One of the first successful digital banks in Brazil, “roxinho” is still the favorite of many Brazilians. Currently, one of the biggest advantages is the income of the account. Simply leaving money there, it already yields. And now there is an option to redeem the money after a certain period of time. In this case, the value yields more than 100% of the CDI. The digital account has several advantages, check out:

The PagBank account belongs to the PagSeguro bank. It is possible to open an account online and the money yields 10% more than savings. In addition, customers who carry out salary portability or invest in CDB are entitled to two free withdrawals per month.

In this way, the account is practically 100% free. Withdrawal is one of the only fees. PagBank's CDB, by the way, has no application limit or grace period. Another advantage of PagBank is for those who are entrepreneurs. In the PJ account modality, it has benefits such as a rent-free machine and zero fee.

 Here are some other benefits of this account:

After viewing the details of each financial institution, it's time to open your account. And for that, you will need the following documents, such as:

Data may vary from bank to bank, but these are fundamental. Have them on hand when opening. Having a digital account can have many advantages, the main one being the absence of fees. In addition to easy management, in the palm of your hands. All the banks that we present in today's post have an application.

The account is opened over the internet, as well as all transactions and bank transactions. Now it remains to choose the best option for your profile and open your account. Furthermore, if you want to know if opening a digital account is worth it, read the recommended content below.