Initially, the BMG digital account or Digio digital account provide credibility, security, transparency and several advantages for customers.

In this, they have offers and discount programs, as well as international coverage and digital accounts for customers of both accounts.

Then, we will show you all the services that these two accounts offer, as well as the advantages and disadvantages so that you can make the best choice. Check out!

So, the Meu BMG account is an account that is evolving every day, to provide the best benefits to customers.

And, in addition, through the Meu BMG app you can control your entire digital account in the palm of your hand, such as checking balances, checking statements, paying bills, making transfers and many other things directly from your cell phone. 

Furthermore, you have access to the national and international BMG card, completely free of fees and also has the Mastercard surprise points program.

It is important to mention that, to access the card, you will be subject to credit analysis.

And, in addition, you can make as many withdrawals as you want at all help stores! and also at Banco24Horas terminals free of charge.

Therefore, Banco BMG has several interesting offers for customers looking for credibility, transparency and security.

Digio was launched by Banco CBSS, managed by the holding company Elopar, whose shareholders are Banco do Brasil and Bradesco, being a direct competitor to Nubank.

And, in addition, Digio is super new on the market, because it has a Visa credit card, international coverage, free of annual fees and monthly fees, as well as no revolving interest.

Another important information is that Digio is 100% digital, everything is managed through the application, that is, you do not need to go to a branch in person and, also, it has low interest rates and does not charge a membership fee.

So, the BMG digital account has several advantages, the first of which is the fact that it does not charge fees, that is, you don't need to worry about those annoying fees from traditional banks.

And, in addition, you have access to a Mastercard-branded credit card with international coverage, meaning you can make purchases in national and international stores and also take advantage of the Mastercard Surpreenda program.

Another advantage is that the credit card also does not charge an annual fee, defining the credit limit after creating the account.

Furthermore, you can generate bank slips through the BMG app itself, and you can make free transfers as many times as you want at no cost, both to other accounts at my BMG and to other banks.

Another advantage is that withdrawals are also unlimited, as well as you can invest in the my BMG app from R$100. Too much, right?

Therefore, the BMG digital account brings a multitude of advantages for you to enjoy without having to leave your home to go to a branch in person.

Well, Digio has several advantages, the first of which is the fact that it has a card that is exempt from annual fees and maintenance fees.

Furthermore, the card has a Visa brand and international coverage, being accepted in more than 24 million stores.

Among other advantages of Digio we have: exemption from card charges. As well as 24-hour chat and services offered 100% online.

Furthermore, you can block and unlock the card through the app, and you can also track your expenses and your bill in real time through the app.

Another advantage is that you don't need to prove income and the interest rates are low.

There is also access to DigioCash, which allows you to make withdrawals in Brazil and abroad, at ATMs accredited with the Visa/Plus network.

Finally, you have access to DigioStore and can make in-app purchases.

So, despite the various advantages, the BMG digital account also has some disadvantages.

This is because, the first disadvantage is that the card is not completely free of annual fees, with a fee of R$99 being charged for those who do not use the minimum amount per month.

Furthermore, you cannot operate the account using checks, nor can you deposit using images, photographs or QR Codes.

Another disadvantage is that the functions of the BMG account are only available to individuals, as well as people over 18 years of age.

Furthermore, there is no option for a savings account, nor a joint account, and investments are limited to the CDB.

Furthermore, another disadvantage is that the application does not have an on-screen or push-up notification system, nor does it allow cell phone recharge.

Therefore, despite the various advantages that the account presents, it also has disadvantages, and it is important to check the other options on the market to decide the best alternative for you.

Well, the Digio account also has some disadvantages, for example, the credit card can take up to a month to be delivered.

This is because you need to wait around 15 days for approval and another 15 days for the card to be sent to your address.

Furthermore, Digio does not offer loyalty programs, such as points, miles or benefits programs, like traditional cards.

Another disadvantage is that Digio does not offer revolving credit for those who want to pay their overdue invoice in installments.

Furthermore, there is a withdrawal charge of R$7.90 per month, and this transaction is as if it were a loan, with the amount withdrawn plus taxes and interest on the next invoice.

So, despite having several advantages, Digio also has disadvantages.

So, the Digital BMG account or Digital Digio account are two account options with different proposals, but which offer comfort, exemption from annual fees, a discount program and several other exclusive benefits. Therefore, do a good analysis between them before opting for one or the other.

If you have any doubts about whether a digital account is a good option, read our recommended content and see how this financial service can be useful in your life.