Banco Itaú is one of the largest banks in Brazil. Thus, showing credibility and authority brings together several customers across the country. That is, the bank offers several account options for those who are looking. That way, you can choose the account that best fits your reality. In addition, depending on the account, the bank offers exclusive benefits.

In today's article, we will show you three account options: Itaú, Itaú Uniclass and Itaú Personnalité. Read more and discover the best option for your financial reality!

In general, Itaú accounts all have a monthly fee. However, this amount may be discounted and exempt, depending on the condition of each customer. Additionally, all accounts offer an available credit card. But it is important to remember that a credit analysis will always be carried out. In addition, see the characteristics of each account:

First, the simplest account offers the Itaucard Click credit card. In fact, it is even possible to get free annuity for the card. In addition, the account also has an overdraft limit for unforeseen events. In addition, the account also has access to the Iupp scoring program. That is, it is a good cheaper option for those who want a card with points.

In general, Uniclass is an Itaú account for people with slightly higher purchasing power. This is because income can be one of the factors analyzed when approving a person's credit. In addition, the account is 100% digital. That is, you can open the account directly from your cell phone.

In addition, you have access to an exclusive manager to help you solve problems or hire new financial services and products. It is also possible to have a Visa Signature card with the possibility of exemption from the annual fee. As well as you can get loans and financing with special rates.

Personnalité, on the other hand, is offered to Itaú's premium customers. Therefore, this account has exclusive benefits. In addition, you can count on the tuition waiver for one year. Incidentally, the account offers both Visa Infinite and Mastercard Black credit cards with the possibility of waiving the first annuity. Both are premium products that offer super exclusive benefits, such as access to VIP lounges at airports, for example.

Also, one of the biggest benefits of Personnalité is the points program. All cards entitle to Iupp. With this program, you can redeem points for credit, airline tickets and also have access to a shopping catalogue. Therefore, it is an advantageous program, mainly because the points never expire!

In summary, each account is indicated for a type of customer. In other words, the Itaú account is simpler and aimed at those looking for an account with low fees. The Uniclass account, on the other hand, is the middle ground between a simple and exclusive service. 

Finally, the Personnalité account offers all the benefits and advantages of a premium account. Therefore, it is best suited for those who already have a high income value.

Basically, it is difficult to limit Itaú accounts. That's because the limit changes for each customer. In addition, the bank needs to perform a credit analysis to understand the limits. Therefore, premium accounts will have a higher limit, since customers have greater purchasing power.

After all, is the Itaú account worth it? This depends a lot on your financial reality and what you want at the moment. Therefore, we will show you the main advantages and disadvantages below.

First of all, speaking of the simple account, it can be opened easily and digitally. Therefore, it is a good option for those who are looking to start in financial life.

Uniclass, on the other hand, offers a good credit card linked to the account. Therefore, if you are looking for a card with advantages, this is a good option.

Finally, Personnalité is a great account for premium customers. This is because it offers many advantages and customization for each case. In addition, the points on the card never expire and this is very advantageous.

However, even the best services can have some drawbacks. In the case of Banco Itaú, we can mention the fees charged as a negative point. However, the financial institution always runs campaigns that promote exemption during the year.

In the specific case of the Personnalité account, which is a more solid option for your audience. The fact that it is very exclusive requires an income of very high value to claim. This can make accessing it difficult.

Finally, the Itaú account can be opened directly from the internet. In addition, it is also possible to visit an Itaú branch in person. In the recommended article below, we detail the step-by-step process to open an Itaú account. Check out!