Choosing an account can be a task that requires research. Especially with the amount of options currently available. That's why today we're going to show you if it's worth having a Neon account. Firstly, Neon was created in 2016, with the aim of saving time for its customers.

That is, offering digital services and without bureaucracy. Your digital account has no opening or maintenance fees and also offers a credit card. Continue reading and discover all the details of this digital account!

In short, the Neon account is a kind of payment account where the focus is on practicality. That is, no more queues and bureaucracy in your day to day. In this sense, with the Neon account you have unlimited transfers and also the right to a debit card.

In addition, Neon also offers a credit analysis. This is for an international credit card with no annual fee and an elastic limit. That is, if your purchase exceeds the available limit, your card does not stop using it. They automatically adjust your limit.

In addition, with the Neon account you can monitor everything directly through the application. Both the card and the account itself. That way, transactions like Pix can be done in seconds. As well as checking the card bill, paying the bill and also changing the credit card limit. In addition, the Neon digital account also offers 3 free withdrawals for those who use the physical and virtual card 10 times a month through the Neon+ program.

Finally, Neon also offers options for those who want to invest. By the way, it is possible to invest starting with just R$10. In this sense, you can program a goal and the account defines the daily or monthly installments for you to join. Therefore, the investment in the Neon account is in the CDB and yields more than savings. That is, it has daily liquidity and can yield up to 95% of the CDI.

As it is a digital account, the advantages are countless. Mainly because of the economy. For example, any PIX and transfers are completely free. Just like withdrawals, with some conditions. In this sense, Neon offers 3 withdrawals for those who use the physical and virtual card at least 10 times a month.

In addition, the account provides a debit card. With it, you have no fees or overdraft, so you don't end up getting into debt. In addition, the debit card is international and with the Visa flag. That is, it is accepted in thousands of establishments around the world.

The credit card also offers advantages. First, it has no annuity. Together, Neon offers the virtual card and the automatic debit payment option. In addition, you can do all the control directly from the app.

Moreover, as a Neon customer, the chances of getting a loan are also better. This is because you will already be creating a relationship with the institution. That is, move the account, pay invoices on time. All of this improves the company's view of its financial profile.

Another advantage is for those who like practicality. Both the credit card and the debit card have NFC proximity technology. In this way, you can pay both by mobile phone and by card. In addition, simply register the card with Google Pay and Samsung Pay to use your digital wallet.

In short, saving money at Neon is very safe. Although the institution does not have an exclusive savings option, it does offer investments. So, you can save your money and still leave it yielding more than savings. 

At first, just set a cash goal and Neon already stipulates the monthly installments. After that, the longer your money is kept, the more it will yield. That is, if you keep your money for 6 months, it can reach up to 101% of the CDI. It is worth remembering that savings yield only 70%.

In addition, CDB Neon are Bank Deposit Certificates from Banco Votorantim, partner of the digital account. Therefore, any amount deposited in investment in Neon is protected by the Credit Guarantee Fund, the FGC. In this way, up to R$250 thousand are secured in the account.

Finally, having a Neon account is worth it. But it's important to say that it's more worth it if you use all the services. This is because most financial institutions tend to integrate services and offer advantages. Therefore, the more services from the same bank, the more benefits you can have. 

In addition, the Neon account has practicalities and savings. In this way, it is indicated mainly for those who are starting in financial life. This is because the account and the card do not have fees and also offer advantages. That is, perfect for someone who does not yet have a bank account and is looking for a first option.

If you are interested in the account and want to know more about Neon products, check out this other post about the Neon card. In it we tell you about details, rates and even how the credit analysis works. Read and find out!