Imagine sharing a single digital joint account with partners or friends. Firstly, the concept of a joint account is old. This is because since the 90s, couples have been able to open an account for both of them.

In other words, two cards are released, however, both are linked to the same bank account. Without a doubt, this idea has become popular because many couples treat the money that comes in as one.

Therefore, digital banks understood that it was time to embrace the idea. Firstly, many offer to apply for a joint account through the app. So, you don't even have to leave the house to split the bills.

It is worth noting that there are two types of joint accounts: joint and non-solidarity. Just to illustrate, in solidarity, anyone can operate the account. 

On the other hand, non-solidarity is moved through agreement. So, before withdrawing amounts, the holder must authorize it, for example.

Furthermore, in the main account, make a request for access to a second CPF. Wait for approval. After that, ask for the additional card and that's it! 

If you just want the additional card, know that it will come with the holder's name. But someone else might use it. Plus, many banks offer this for free.

Would you like to know more about this subject? So, keep reading and check it out!

The answer is yes. However, few banks offer this modality. In other words, digital accounts with an additional card are more common. However, some transactions require authorization, such as purchases on iFood, for example.

On the other hand, Bradesco, Itaú, Digimais, Daycoval and Banco do Brasil are those that authorize joint digital accounts. However, only Digimais and Daycoval can open an account via the app and website, respectively.

Know that you don't need to have a relationship with the person to split the bill. However, they both underwent bank evaluation. Furthermore, when there is a credit card, there are inquiries. In other words, the CPF goes through the credit bureaus and the financial history of both is analyzed.

This means that you need to go to agencies if you choose the other options. Furthermore, the opening process is the same. In other words, separate documents from both, wait for approval and request physical cards. Finally, there is a way to open a joint digital account, yes!

For now, the famous roxinho does not offer this option. Mainly because traditional banks have this benefit, therefore, Nu believes that it does not have an audience for this request.

Furthermore, Nubank does not offer an additional card, for security reasons. Since on the NuComunitty page many customers ask for the option, it must be close. In other words, the Nubank customer has only one card per CPF, in addition to having no dependents.

So, if you are a Nubank customer, keep an eye on updates. This is because customers ask that the credit limit be shared among dependents, with the holder defining how many can use the credit.

This is another bank that does not service joint accounts. Furthermore, not even more than one card per CPF is released over the Internet. In any case, fintech claims that it does not authorize the change for security reasons. 

On the other hand, additional cards are allowed. Additionally, the request limit is four cards. However, only customers who have an active credit function can place the order.

So, this additional card will only have a credit function. In other words, the limit is shared among dependents. The most important thing is that unfortunately, it is not possible to open a joint digital account at Inter.

Mainly, save time. Since many end up organizing their finances based on two cards. In other words, control expenses using just one statement, for example.

Also, don't worry about double fees and charges. Since in the digital joint account there are single fees, even with two CPFs. Without a doubt, it is a long-term saving.

On the other hand, it is ideal for saving money. If you have an emergency fund, concentrate your deposits only in this account. Therefore, both can accumulate money and have free access. Of course, as long as it is in the solidarity account model.

First of all, you must analyze the relationship with whom you will share the bill. Since you will share money and documents, for example. Above all, align goals with those who will share values.

Additionally, define the type of account first. Of course, decide whether you will be supportive or not supportive together. The most important thing is to know that one of them can only be moved with authorization. Therefore, make your intentions clear with such an opening.

In conclusion, choose a good digital bank. Without a doubt, Daycoval bank is an interesting option for digital joint accounts. Furthermore, it has investment possibilities. In other words, with this common objective, it could be the ideal account.

First, decide on a digital bank with a joint account. Since the application process is the same, separate personal documents. Regardless of your choice, have proof of income and residence, as well as your CPF and ID, on hand.

If you choose Digimais, download the digital bank app. After that, register and open the account yourself. Furthermore, invite those who will split the bill after the main process is completed.

Finally, select the type. In other words, supportive or non-supportive. Ask for the physical card or not and start moving. On the other hand, there is also the Daycoval digital joint account. This is an investment account, so there are no debit cards. But, there is a credit version. In this case, the opening process is carried out through the institution's website.

In conclusion, opening an account in traditional banks is in person. Therefore, look for agencies with documents from the two responsible for the account. Afterwards, wait for approval and request physical cards.

So, did you manage to understand how to open the digital joint account? We hope so!

Furthermore, we have prepared another interesting post about digital accounts. So, stay with us! Click below and check out more details on this subject.