After all, Ourocard Prepaid card or Itaú Prepaid card? Read this comparative text and decide which one is the best.

While the prepaid option arrives through Banco do Brasil, Itaú, aiming to reach the same public, also starts to offer a rechargeable credit card, accessible by all upon payment of certain fees.

Although there are few possibilities for someone with a dirty name to get a credit card from traditional banks, it is possible to buy a credit card even with a low score and default, a possibility that was brought about by prepaid cards, which are purchased and rechargeable.

For those who don't know, prepaid cards can be purchased, requested by the brands' websites, that is, after paying predetermined fees you can pay Netflix, Spotify, Uber again, without being tied to annuities or traditional card fees. common credit.

Therefore, those who need cards of this type, such as the Ourocard prepaid card or the Itaú prepaid card, must decide between the two options, considering very specific details, such as the amount of fees, bureaucracy for access, among other attributes. of each. So we've researched both of them and now we'll bring you the features, so follow along!

After all, who is negative and doesn't miss shopping on credit, right? By the way, this option for Banco do Brasil account holders was created to serve those who cannot pay off their debts, but need a card to pay the monthly fee for the streaming service or other applications, for example.

Therefore, this card can be requested through the bank's website or through the application, however, the customer must pay a membership fee that costs R$10.00. In addition, the same customer can have up to five prepaid cards, reloading or carrying out salary portability, thus being able to make subscriptions and purchases in national establishments.

Even if it has a credit card, this card is not for purchases in online stores and it is also not possible to make purchases in installments, only cash payments through credit modality recharge, in addition, the account can be operated normally through the BB application.

Finally, a cool feature is the load scheduling, which is mainly used for financial organization, for example. That is, treat it as if it were a credit card bill to be paid, deposit the money and pay whatever you need in credit mode. Now, see more information to decide between the prepaid Ourocard card or the prepaid Itaú card.

On the other hand, the prepaid Itaú card appears much broader, with the same requirement that the customer be an account holder at the bank, that is, have his account. Thus, it is possible to apply for a credit card over the internet and start using it without paying a membership fee, unlike what happens with the BB option.

Therefore, the Visa and Mastercard flags allow purchases over the internet and also online, not to mention that it is possible to deposit money in other currencies in the account, that is, use the euro or dollar to make purchases without any impediment or high fee on the part of Banco Itaú, which further expands the horizons of customers who need credit. 

Furthermore, there is an IOF fee of 6.38% for foreign currency top-ups, which is very low due to the advantages for travelers with a dirty name, for example. In addition, Itaú does not charge a delivery or card issue fee, or any monthly charge.

Finally, it is possible to use your prepaid card in purchases from other countries, in some cases, it will be debited in dollars. In this case, the current quotation is considered. Therefore, being an Itaú account holder, it is very cheap to have this financial product when comparing the prepaid Ourocard card and the prepaid Itaú card.

As much as this option only allows domestic purchases, it is ideal for those who need to buy with credit and face difficulties, therefore, we separate some advantages related to the prepaid Ourocard card below.

After all, who doesn't miss traveling and being able to buy items on their credit card, right? While other options block international purchases, this one only encourages top-up with foreign currency and even offers more benefits without abusive charges. In addition, see other advantages below.

Although the benefits are many, the prepaid Ourocard card ends up limiting the customer who already has obstacles to make purchases in the credit modality. This is because it does not authorize purchases over the internet, which is the need of many people who subscribe to Netflix or Spotify, for example.

In addition, there are many rates defined for those who are already looking for leaner options. This is because the customer pays for issuing the card, which costs R$10.00, as well as the monthly maintenance fee, which amounts to R$5.00. In addition, there is a withdrawal fee that costs R$5.00 from the third month onwards, that is, the expenses to maintain the prepaid credit are high.

As well as advantages for travellers, the Itaú prepaid card is not interesting for negatives and does not, under any circumstances, allow payment in installments. That is, if you are an Itaú account holder, there is a chance that prepaid will not be available due to the restrictions, but it is important to try.

Therefore, the main disadvantage is not being able to purchase the prepaid card without opening an Itaú account and meeting several criteria. In addition, there is also the payment of the IOF for purchases in other countries, even if they are over the internet. Finally, for recharges that exceed ten thousand reais, know that you will need to make the Electronic Declaration of Travelers Goods (e-DBV), on the Federal Revenue website.

Finally, we have brought details so that you can choose between the prepaid Ourocard card or the prepaid Itaú card, which may even be useful for those with negative credit, as long as they have a current account at one of these banks. Therefore, one of the cards is ideal for domestic and more basic purchases, while the other for more traveler profiles who need credit.

Also, we know how difficult the decision can be, but don't worry. Because our team always prepares another comparison so that you can increase your range of options and ask for the truly ideal card. So, click on the recommended content below and continue knowing affordable cards.