The Next Joy account is an account for children under 17 that aims to provide qualified financial education and economic freedom to its users, being managed by parents or guardians.

Therefore, the account has functions that make the holder's financial life fun and exciting. With missions and gifts that can be achieved and many other things that we will talk about in the following topics.

Furthermore, it is worth remembering that Next Joy is a partnership between Bradesco and Disney. In other words, security, reliability and fun are guaranteed with this account. For both parents and children.

Anyway, this is just the beginning. Come with us and stay until the end to discover everything the Next Joy account has to offer you!

Initially, we must point out three main characteristics of this account. First, it is free. In other words, you can open your account completely free of charge and without worrying. 

In this sense, the accounts are intended for minors and aim to provide them with better financial education. It is normal to have little or no annual or service fees.

Another feature of the account is the scheduled allowance function. In other words, parents can program the app and the account to make a deposit on a specific date and amount.

In other words, every time that day arrives, the amount will be transferred to the Next Joy account. It is certainly a very useful function. And lastly, we have the treats.

The treat involves benefits, discounts and special promotions that are available to the account owner and the entire family. They can come from Bradesco, Disney or various partners.

As is clear, this is the ideal account for children under 17 where parents or guardians want to provide good financial education and mix this with the fun of Next's partners.

In other words, the child who will be the account holder will have an incredible experience that will include famous Disney characters.

Therefore, it is even better if children are under 14 years old. But nothing prevents children aged 15, 16 or 17 from having these accounts.

Furthermore, parents should keep in mind that they must set aside time to manage their minors' accounts. This is because those who will make decisions in many ways are the parents. Especially because guardians over the age of 18 will be responsible for opening the account.

In relation to the limits established by Banco Next, we must take into account that it is a basic account. 

In this sense, the Next account has a transaction limit of R$20 thousand. So, to move an amount greater than this, the holder needs to contact the bank and carry out legal actions.

So, even if you are not informed. We believe that the Next Joy account limit value should be something close to this value. Since parents are responsible for managing the account.

Anyway, but is it really worth opening this account? See below.

We must understand here exactly who the target audience is for this account and what its objective is for its customers. So, once we understand this, we can analyze the features and benefits that the account delivers.

In this sense, taking into account that the target audience is under 17 years old, the fact that there is no annual fee or account opening fee, as well as the ease it provides to parents and guardians in their children's financial education, we can say that it is worth It's worth it.

Another positive point is the autonomy that the account allows the minor to have and, at the same time, hands over all control and management to the parents. This way they can decide what to do or not do with the account.

So, taking all these points into account, it is correct to say that it is worth opening a Next account!

As we have already seen in the previous topic, treats are ways of encouraging and bringing cheaper shopping possibilities and discounts to the account holder within their account.

This way, he can use the amount in his account to make the best purchases in the Disney world without spending an absurd amount. Examples of these treats are discounts and benefits from partners such as Multilaser, Domino's Pizza, Casas Bahia, among others.

The minor will have access to a debit card to make purchases when they are away from their parents without having to use cash.

This is something that, in addition to providing more security for the child, prevents them from carrying money with them. It also brings more autonomy when shopping.

It's worth remembering that when parents want to add extra amounts at any date of the month, they can make the most of it with completely free and unlimited transfers.

In other words, you don't need to worry about charges or the limit number for transfers.

In addition to transfers, minors can make free withdrawals and parents can closely monitor the entire process.

Although Next provides a debit card for minors, it is not possible to request a credit card for this type of account.

In this sense, the bank understands that it is not healthy to hand over a card on which the minor could end up incurring debts within the account.

Additionally, if the information provided by the person responsible is out of date, account approval may take longer than it normally does.

Therefore, be careful and check that all information is correct and up to date when making the request.

Opening a Next Joy account is quite simple. In this case, parents or guardians over 18 years of age must open their Bradesco account directly.

So, just access the account and go to more services. At this point, you will have access to the features of your account. Look for the Next Joy account option and enter all the data requested by the bank. After that, press confirm. Now just wait for approval and log back into the account.

Furthermore, if you want to know more information about opening an account, read our recommended content below.