{"id":68274,"date":"2022-08-30T12:00:00","date_gmt":"2022-08-30T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=68274"},"modified":"2022-08-30T20:01:05","modified_gmt":"2022-08-30T20:01:05","slug":"como-abrir-conta-universitaria-santander","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/it\/como-abrir-conta-universitaria-santander\/","title":{"rendered":"Come aprire un conto universitario a Santander"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-conta-universitaria-santander-uma-solucao-completa-para-as-financas-dos-estudantes\">Conta universit\u00e1ria Santander: uma solu\u00e7\u00e3o completa para as finan\u00e7as dos estudantes<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Antes de mais nada, saiba como abrir a sua conta universit\u00e1ria Santander. Fonte: Freepik \/ Santander.\"  id=\"68275\" src=\"https:\/\/cdn.adtechpanda.com\/82cebe46-da9f-4e2e-ac7a-a775c54056f9\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Antes de mais nada, saiba como abrir a sua conta universit\u00e1ria Santander. Fonte: Freepik \/ Santander.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A conta universit\u00e1ria Santander \u00e9 uma \u00f3tima op\u00e7\u00e3o, pois oferece todos os recursos necess\u00e1rios para gerenciar suas finan\u00e7as e ficar tranquilo em rela\u00e7\u00e3o ao seu futuro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Com cart\u00e3o de cr\u00e9dito com anuidade diferenciada, acesso ao cr\u00e9dito universit\u00e1rio e outras vantagens exclusivas, voc\u00ea pode estudar e se qualificar com tranquilidade enquanto seu dinheiro rende.<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tasso di apertura<\/strong><\/td><td>non informato<\/td><\/tr><tr><td><strong>reddito minimo<\/strong><\/td><td>Non richiesto<\/td><\/tr><tr><td><strong>Aliquote<\/strong><\/td><td>non informato<\/td><\/tr><tr><td><strong>carta di credito<\/strong><\/td><td>S\u00cc<\/td><\/tr><tr><td><strong>Benefici<\/strong><\/td><td>Cart\u00e3o com anuidade diferenciada, recursos exclusivos, acesso ao cr\u00e9dito universit\u00e1rio, conta sem taxa de manuten\u00e7\u00e3o<\/td><\/tr><\/tbody><\/table><figcaption>Tabela &#8211; Conta Santander<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-ZY3xTJ\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/offers.senhorpanda.com\/santander-conta\/\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/cdn.adtechpanda.com\/e053fe0c-d796-4727-a3c2-1c52d040e55b\/\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Conta Universit\u00e1ria        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          Santander        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Sicuro            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Gratuito            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Op\u00e7\u00f5es de conta gratuita com cart\u00e3o de cr\u00e9dito sem anuidade sob condi\u00e7\u00f5es.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/offers.senhorpanda.com\/santander-conta\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Account aperto            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/offers.senhorpanda.com\/santander-conta\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Account aperto            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Verrai reindirizzato a un altro sito web        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/offers.senhorpanda.com\/santander-conta\/\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/e053fe0c-d796-4727-a3c2-1c52d040e55b\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Op\u00e7\u00f5es de conta gratuita com cart\u00e3o de cr\u00e9dito sem anuid&#8230;              <\/p>\n              <a href=\"https:\/\/offers.senhorpanda.com\/santander-conta\/\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Account aperto                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Verrai reindirizzato a un altro sito web              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Quer saber mais sobre como abrir a sua conta universit\u00e1ria e aproveitar todos os benef\u00edcios? Ent\u00e3o, vem com a gente e confira ao longo dos t\u00f3picos!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Aperto in linea<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para solicitar a sua conta universit\u00e1ria Santander de forma online, o primeiro passo \u00e9 abrir o site oficial e clicar em \u201cquero abrir uma conta\u201d, informar os seus dados pessoais, como CPF, nome, e-mail, etc. e quando a op\u00e7\u00e3o \u201cvoc\u00ea \u00e9 universit\u00e1rio?\u201d aparecer em sua tela, \u00e9 s\u00f3 clicar em sim e continuar a solicita\u00e7\u00e3o.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Apertura tramite telefono<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Agora, saiba mais aqui sobre a abertura da conta. Fonte: Freepik.\"  id=\"68277\" src=\"https:\/\/cdn.adtechpanda.com\/d042f956-59ab-49b9-af74-57f62696f90e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Agora, saiba mais aqui sobre a abertura da conta. Fonte: Freepik.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Infelizmente, por enquanto n\u00e3o \u00e9 poss\u00edvel abrir a sua conta universit\u00e1ria por telefone, apenas pelo site oficial do banco. Por isso, para fazer a solicita\u00e7\u00e3o, \u00e9 s\u00f3 abrir a p\u00e1gina oficial do site e preencher a proposta.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Apri dall&#039;app<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Abrir somente a conta universit\u00e1ria pelo aplicativo n\u00e3o \u00e9 poss\u00edvel, mas poder\u00e1 contratar o combo com a conta universit\u00e1ria e o cart\u00e3o SX Santander m\u00faltiplo, de d\u00e9bito e cr\u00e9dito, sob aprova\u00e7\u00e3o e an\u00e1lise. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para isso, \u00e9 s\u00f3 baixar o app, se cadastrar, clicar na op\u00e7\u00e3o do combo de conta e preencher o cadastro corretamente.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Conta Universit\u00e1ria Bradesco ou conta Universit\u00e1ria Santander: qual escolher?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Afinal de contas, qual das contas universit\u00e1rias mais combina com voc\u00ea? Fonte: Freepik.\"  id=\"68279\" src=\"https:\/\/cdn.adtechpanda.com\/13f60bcc-cf56-40a1-8123-1fb1cbf452b4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afinal de contas, qual das contas universit\u00e1rias mais combina com voc\u00ea? Fonte: Freepik.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, se voc\u00ea percebeu que a conta Santander n\u00e3o \u00e9 a melhor op\u00e7\u00e3o para voc\u00ea no momento, n\u00e3o se preocupe, h\u00e1 outras op\u00e7\u00f5es que podem ajudar, como a conta universit\u00e1ria Bradesco. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para saber mais sobre as duas op\u00e7\u00f5es, \u00e9 s\u00f3 conferir a tabela comparativa abaixo.<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Conta Universit\u00e1ria Bradesco<\/strong><\/td><td><strong>Conta Universit\u00e1ria Santander<\/strong><\/td><\/tr><tr><td><strong>Reddito minimo<\/strong><\/td><td>Non richiesto<\/td><td>Non richiesto<\/td><\/tr><tr><td><strong>Costo mensile<\/strong><\/td><td>Esonerare<\/td><td>Op\u00e7\u00f5es de conta gratuitas<\/td><\/tr><tr><td><strong>carta di credito<\/strong><\/td><td>S\u00cc<\/td><td>S\u00cc<\/td><\/tr><tr><td><strong>Benefici<\/strong><\/td><td>Sem comprova\u00e7\u00e3o de renda, acesso ao cr\u00e9dito universit\u00e1rio, op\u00e7\u00e3o de cart\u00e3o de cr\u00e9dito<\/td><td>Cart\u00e3o com anuidade diferenciada, recursos exclusivos, acesso ao cr\u00e9dito universit\u00e1rio, conta sem taxa de manuten\u00e7\u00e3o<\/td><\/tr><\/tbody><\/table><figcaption>Tabela comparativa &#8211; Conta Universit\u00e1ria Bradesco vs Conta Universit\u00e1ria Santander<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1jBfqp\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/it\/como-abrir-conta-universitaria-bradesco\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Come aprire un conto universitario Bradesco\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/7605050e-875d-4c5c-b397-eed01baed7da\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/it\/como-abrir-conta-universitaria-bradesco\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Come aprire un conto universitario Bradesco\">\n            Come aprire un conto universitario Bradesco        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Se interessou na conta Bradesco? Te explicamos aqui qual \u00e9 o processo de abertura, veja!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/it\/como-abrir-conta-universitaria-bradesco\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua a leggere            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Al\u00e9m disso, a conta \u00e9 100% gratuita e poder\u00e1 solicitar o seu cart\u00e3o de cr\u00e9dito! Saiba como abrir uma conta aqui.<\/p>","protected":false},"author":36,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1412],"tags":[4022,4467,488],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Como abrir conta universit\u00e1ria Santander - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Quer saber como solicitar a sua conta universit\u00e1ria Santander e aproveitar todos os seus benef\u00edcios? 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