Before talking about the advantages and disadvantages of the Impact Bank card or Blubank card, we need to briefly summarize them.

Firstly, the Impact Bank card arrives as a very different solution from the others, with the proposal of being an environmentally friendly bank and with possibilities for digital accounts for companies, for example. Furthermore, in the concept that “everyone can win”, it returns R$ 0.10 for each transaction made on the application.

On the other hand, there is also the prepaid option from Blubank, which is ideal for those with negative income and for people who do not want a commitment to a financial institution, but rather a rechargeable card that can be used to deduct Netflix, for example. Furthermore, there is a credit analysis anyway.

Once you have the details to choose between the Impact Bank card or Blubank card, we can start our comparison between the two options, which despite seeming very similar, have important differences, recommended for each financial profile. So, continue reading and find out more!

At a time when environmental issues are under the spotlight, Impact Bank comes up with a proposal not to agree with the profit obtained through the destruction of the environment, in other words, the financial institution's idea is that everyone wins, but in a way that is good for the entire ecosystem.

Since there is this return, there is also a contribution to a Transformation Fund created by the bank, that is, the amount collected by customers is directed to non-profit organizations and actions that protect the environment, for example. In this way, up to 0.1% of machine transactions go to the fund.

In short, deciding between the Impact Bank card or Blubank card depends largely on your financial profile, but also on the social causes you support, as in this case it seeks an equal distribution of income through strategies, such as returning part of the money and the creation of a fund.

Even though the Blubank card seems bureaucratic, it is one of the only ones that allows customers to access more than one way of accessing credit, as the prepaid card can be supplied with deposits or loans, which can reach up to 25 thousand.

Without a doubt, it is very easy to purchase the card, as all requests are made via the website and the financial product is sent by post. Furthermore, customers pay a fee of R$49.90 for the prepaid card to actually work. If there is still confusion between the Impact Bank card or the Blubank card, be aware that those who are negative may have a greater chance of accessing money with the second option.

Finally, even with the possibilities of giving access to those with a bad name, the Blubank card requires an analysis of the CPF, which according to some customers, has little influence on the card application.

In order for you to have more details about the Impact Bank card, we have prepared a list of advantages of this option, which is new, but is constantly being updated. This is because when accessing the website and viewing the available transactions, the digital bank already informs you that they will make credit lines available for loans, for example. Furthermore, the main benefits are described below.

As soon as prepaid cards appeared, companies needed to create more and more strategies to attract the largest number of customers, which is why new strategies within financial institutions emerged. Among them, the possibility of offering loans. Furthermore, there are other important advantages, such as those mentioned below.

As well as benefits, there is no way to leave you without knowing the disadvantages of the Impact Bank card, after all, we are here to help you choose between the Impact Bank card or Blubank card.

Because it is in its infancy, the Impact Bank card does not offer investment or loan options, in addition, it forces the customer to choose one of its packages to use effectively. There are monthly packages for individuals (free monthly fee, basic of R$15.00 and premium of R$26.00) and for legal entities (free monthly fee, basic of R$29.00 and premium of R$40.00).

Furthermore, we consider this a disadvantage, as some customers who seek prepaid cards are negative and cannot afford monthly fees, for example. Furthermore, we must mention that it is not possible to pay in installments, as the card is prepaid.

Immediately after ordering the Blubank card, the customer needs to pay a bill of R$49.90. The moment you stop paying, the bill is registered with your CPF, which opens up the chance for your name to have another negative status, for example.

As much as it is beneficial to get loans through Simplic, as Blubank offers, you need to be very careful. This is because the rates are high, so no matter how much you take out the loan and use it as an available limit, you will have to pay interest that reaches 9% per month.

Furthermore, loan approval is not guaranteed when approved on a credit card, that is, they are different transactions. In short, there is no pre-established limit and you also cannot pay in installments, a condition that appears similar between the Impact Bank card and Blubank card.

Finally, it's time to choose between the Impact Bank card or Blubank card. Therefore, evaluate both financial products very carefully. This is because one offers a prepaid card with a defined package and few fees, while the other offers a personal loan, payment to activate the card and analysis of your profile.

Furthermore, if the choice is still difficult and neither of the two is ideal for your case. So, click on the recommended content below and see another comparison.