{"id":30447,"date":"2025-02-21T13:24:35","date_gmt":"2025-02-21T13:24:35","guid":{"rendered":"https:\/\/tikmobiles.com\/?p=30447"},"modified":"2026-09-08T16:51:15","modified_gmt":"2026-09-08T16:51:15","slug":"najbolje-aplikacije-za-digitalne-banke","status":"publish","type":"post","link":"https:\/\/tikmobiles.com\/hr\/bancos-digitais-melhores-apps\/","title":{"rendered":"Digitalne banke: najbolje aplikacije za besplatne ra\u010dune i kartice bez godi\u0161nje naknade"},"content":{"rendered":"<p>Ra\u010dun bez mjese\u010dne naknade ne zna\u010di da su sve usluge besplatne. Nubank, Inter, C6, Neon, PicPay i Mercado Pago nude proizvode s razli\u010ditim uvjetima za odr\u017eavanje, kartice, isplate i kredit. Provjerite dostupnu opciju za svoj profil i njezin cjenovnik naknada. Ovaj vodi\u010d poma\u017ee u usporedbi svakodnevne upotrebe bez pretvaranja promotivne ponude u pravilo za sve ra\u010dune.<\/p>\n<p>Povrat na va\u0161 saldo tako\u0111er varira ovisno o proizvodu. Promocijski postoci mogu zahtijevati aktivnost, pretplatu, ograni\u010denje minimalne vrijednosti ili minimalno razdoblje dr\u017eanja, a neto rezultat ovisi o porezima i pravilima otkupa. Usporedite novac koji \u0107e biti dostupan na tra\u017eeni datum, a ne samo najvi\u0161i postotak istaknut na zaslonu.<\/p>\n<p>Tra\u017eio sam cjenike naknada koje su objavile same banke i popise na Google Playu. Ono \u0161to nisam mogao potvrditi iz slu\u017ebenog izvora pojavljuje se kao &quot;provjeri u aplikaciji&quot;. Banco Original, koji je preporu\u010den u prethodnoj verziji ovog teksta, napustio je Google Play i vi\u0161e nije na popisu.<\/p>\n<h2>\u0160to je besplatno u \u0161est aplikacija?<\/h2>\n<p>Pomo\u0107u ovog popisa provjerite osnovni paket za vrstu ra\u010duna koju namjeravate otvoriti. Ra\u010dun mo\u017ee nuditi ove usluge besplatno, a drugima napla\u0107ivati ili zahtijevati posebne uvjete kori\u0161tenja:<\/p>\n<ul>\n<li><strong>Otvorite i odr\u017eavajte ra\u010dun<\/strong>Nema po\u010detne naknade, nema mjese\u010dne naknade, nema minimalnog stanja. Neon objavljuje ovo redak po redak (po\u010detak, odr\u017eavanje i zatvaranje na R$ 0,00); ostali ponavljaju &quot;besplatni ra\u010dun&quot; na popisu trgovine.<\/li>\n<li><strong>Pix<\/strong>Provjerite mogu\u0107nosti besplatnog pristupa i sve potencijalne tro\u0161kove za ovu uslugu, posebno za komercijalnu upotrebu.<\/li>\n<li><strong>Kreditna kartica bez godi\u0161nje naknade<\/strong>Nubank, Inter, Neon, PicPay Card Gold, Mercado Pago i C6 Platinum podlije\u017eu analizi kreditne sposobnosti.<\/li>\n<li><strong>Virtualna kartica<\/strong> Za online kupnju, generira se unutar aplikacije.<\/li>\n<li><strong>Platite ra\u010dune i dopunite svoj mobilni telefon.<\/strong> putem same aplikacije.<\/li>\n<li><strong>Prijenos u drugu banku putem Pixa<\/strong>Besplatno na svih \u0161est. TED je druga pri\u010da.<\/li>\n<\/ul>\n<h2>\u0160to svaki napla\u0107uje: isplatu, bankovni prijenos i neaktivnu karticu.<\/h2>\n<p>Isplate mogu uzrokovati naknade ili kvote ovisno o ra\u010dunu, segmentu i kori\u0161tenoj mre\u017ei. Prije isplate novca provjerite tablicu i zaslon s transakcijama.<\/p>\n<h3>Isplata gotovine<\/h3>\n<ul>\n<li><strong>Nubank<\/strong>R$ 6,50 po podizanju na mre\u017eama Banco24Horas i Saque e Pague, iznos prikazan na web stranici banke.<\/li>\n<li><strong>Izme\u0111u<\/strong>U digitalnom segmentu uklju\u010dene su 4 isplate mjese\u010dno; od pete isplate nadalje, R$ ko\u0161ta 6,40 R$ svaka. Pix Withdrawal i Pix Change imaju 8 besplatnih isplata mjese\u010dno, prema individualnom cjeniku naknada za korisnike koji je na snazi od 10. kolovoza 2026.<\/li>\n<li><strong>Neon<\/strong>R$ 8,90 po isplati na Banco24Horas; Isplata Pix-a i zamjena Pix-a na R$ 0,00.<\/li>\n<li><strong>PicPay, Mercado Pago i C6 Bank<\/strong>Nisam mogao prona\u0107i iznos na javnoj stranici gdje bih ga mogao provjeriti; sva tri prikazuju naknadu unutar aplikacije, na zaslonu za isplatu. Provjerite je prije isplate.<\/li>\n<\/ul>\n<p>Pix Saque i Pix Troco su alternative gdje su dostupne, sa svojim pravilima i ograni\u010denjima. Provjerite ispunjavate li uvjete i sve primjenjive naknade za odabranu opciju.<\/p>\n<h3>TED, duplikat i naknada za one koji ga ne koriste.<\/h3>\n<p>Usporedite Pix i TED u tablici va\u0161eg ra\u010duna. Za pojedince je Pix uglavnom besplatan, ali postoje slu\u010dajevi gdje su naknade propisane pravilima. Poslovni ra\u010duni i komercijalna pla\u0107anja zahtijevaju posebnu provjeru.<\/p>\n<p>Ako vam je kartica izgubljena ili ukradena, blokirajte je putem slu\u017ebenih kanala i provjerite tro\u0161ak i vrijeme obrade za zamjenu.<\/p>\n<p>Provjerite naknade za rijetko kori\u0161tene usluge i uvjete neaktivnosti. Ako odlu\u010dite zatvoriti ra\u010dun, podmirite sve nepodmirene dugove i obveze te sa\u010duvajte potvrdu.<\/p>\n<h2>\u0160est aplikacija, jednu po jednu.<\/h2>\n<h3>Nubank: najlak\u0161i za upravljanje<\/h3>\n<p>Nubank kombinira ra\u010dun, karticu i zna\u010dajke kako bi organizirao va\u0161 novac prema cilju. Kreditni proizvodi, \u0161tedni ra\u010duni i investicijske ponude imaju vlastite uvjete i odredbe. Prije odabira proizvoda ili usluge provjerite ispunjavate li uvjete, uvjete i tro\u0161kove na svom ra\u010dunu.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/FP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4\" alt=\"Nubank: ra\u010dun, kartica i vi\u0161e Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Nubank: ra\u010dun, kartica i jo\u0161 mnogo toga<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"Ocjena 4,8 od 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FFP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4&title=Nubank%3A+conta%2C+cart%C3%A3o+e+mais&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.nu.production\" class=\"download-btn\" id=\"download-btn-0\" data-instance=\"1\" data-title=\"Nubank: conta, cart\u00e3o e mais\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-0\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Nubank: conta, cart\u00e3o e mais\",\n                            app_instance: 1,\n                            button_id: \"download-btn-0\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Nubank: conta, cart\u00e3o e mais\",\n                                    app_instance: 1,\n                                    button_id: \"download-btn-0\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>Inter: banka s punom uslugom, s kvotom za isplatu.<\/h3>\n<p>Inter je banka s CNPJ-om (Banco Inter SA), a ne platna institucija, koja nudi teku\u0107e ra\u010dune, Meu Porquinho po\u010dev\u0161i od R$ 1, kreditnu karticu bez godi\u0161nje naknade i bodove u Inter Loop programu, koji se mogu zamijeniti za milje, popuste na ra\u010dune ili povrat novca. Dvije stavke u tablici na koje treba obratiti pozornost su ograni\u010denje od 4 isplate mjese\u010dno i naknada R$ od 5,00 TED, a oboje se mo\u017ee zaobi\u0107i Pixom.<\/p>\n<p>Inter Shop vra\u0107a dio va\u0161e kupnje kao povrat novca na va\u0161 ra\u010dun; <a href=\"https:\/\/tikmobiles.com\/hr\/aplikacije-za-povrat-novca-primaju-novac\/\">Vodi\u010d o tome kako funkcionira povrat novca.<\/a> Prikazuje vremenski okvir potvrde i za\u0161to je potrebno toliko dugo da se pla\u0107anje pojavi.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/zUp6OkIQ7sYvowxxeYgIVg2x65i2m9lk7PAcuUVMh4gddUmCq3qBTVNvnNrDpN2OkwEeydgExBTrvrBFIFiUlJI\" alt=\"Inter: Logotip ra\u010duna, kartice i Pixa\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Inter: Ra\u010dun, kartica i slike<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"Ocjena 4,8 od 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FzUp6OkIQ7sYvowxxeYgIVg2x65i2m9lk7PAcuUVMh4gddUmCq3qBTVNvnNrDpN2OkwEeydgExBTrvrBFIFiUlJI&title=Inter%3A+Conta%2C+Cart%C3%A3o+e+Pix&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dbr.com.intermedium\" class=\"download-btn\" id=\"download-btn-1\" data-instance=\"2\" data-title=\"Inter: Conta, Cart\u00e3o e Pix\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-1\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Inter: Conta, Cart\u00e3o e Pix\",\n                            app_instance: 2,\n                            button_id: \"download-btn-1\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Inter: Conta, Cart\u00e3o e Pix\",\n                                    app_instance: 2,\n                                    button_id: \"download-btn-1\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>C6 Bank: tri kartice, jedna bez godi\u0161nje naknade.<\/h3>\n<p>C6 nudi tri kartice, a sve su podlo\u017ene analizi. C6 Platinum nema godi\u0161nje naknade i skuplja bodove na kreditnim i debitnim transakcijama. C6 Black ko\u0161ta 12 rata od 50 R$, a C6 Carbon 12 rata od 98 R$, s izuze\u0107em za prva tri mjeseca, a zatim kori\u0161tenjem kartice ili ulaganjem putem aplikacije. C6 Global Account, me\u0111unarodni ra\u010dun s komercijalnim te\u010dajevima, diferencijalna je prednost za putnike. Njegov popis na Google Playu ima milijun recenzija i ocjenu 4,8. Nisam potvrdio naknade za podizanje, naknade za TED prijenos i kamatne stope na stanje jer web stranica banke odbija automatske konzultacije: otvorite tablicu u aplikaciji prije dono\u0161enja odluke.<\/p>\n<h3>Neon: najtransparentniji stol i Viracr\u00e9dito<\/h3>\n<p>Neon objavljuje cijelu tablicu na jednoj stranici: otvaranje, odr\u017eavanje, zatvaranje, izdavanje kartice, godi\u0161nja naknada, prijenos u druge banke i uplata putem bankovne uplatnice, sve po cijeni od 0,00 R$. Samo su dvije stavke skupe za korisnike ra\u010duna: isplate na bankomatima Banco24Horas po cijeni od 8,90 R$ i me\u0111unarodne kupnje po cijeni od 3,50 R$% plus 10 R$%. Viracr\u00e9dito pretvara svaki u\u0161te\u0111eni R$ u R$ limita kreditne kartice, po\u010dev\u0161i od 10 R$, a Neon CDB je proizvod aplikacije za zara\u0111ivanje novca vi\u0161e od \u0161tednog ra\u010duna.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/iZ1QPfUvvQWC5HCEek8YfdY6tpiX7RsvsCOUuBDSflNNCNK9RDu5EJ2UPgNfSta2yZZX4rRBwtf9GgvuyihP\" alt=\"Neonska kreditna kartica i ra\u010dun s logotipom\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Neon kreditna kartica i ra\u010dun<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"Ocjena 4,8 od 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FiZ1QPfUvvQWC5HCEek8YfdY6tpiX7RsvsCOUuBDSflNNCNK9RDu5EJ2UPgNfSta2yZZX4rRBwtf9GgvuyihP&title=Neon+cart%C3%A3o+de+cr%C3%A9dito+e+conta&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dbr.com.neon\" class=\"download-btn\" id=\"download-btn-2\" data-instance=\"3\" data-title=\"Neon cart\u00e3o de cr\u00e9dito e conta\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-2\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Neon cart\u00e3o de cr\u00e9dito e conta\",\n                            app_instance: 3,\n                            button_id: \"download-btn-2\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Neon cart\u00e3o de cr\u00e9dito e conta\",\n                                    app_instance: 3,\n                                    button_id: \"download-btn-2\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>PicPay: prinos do 102% CDI-a<\/h3>\n<p>PicPay kombinira ra\u010dun, kartice i proizvode za u\u0161tedu novca. Provjerite trenutna pravila za stanje na ra\u010dunu s kamatama i \u0161tedne ra\u010dune: datum po\u010detka zarade, oporezivanje, rok otplate i svi uvjeti jednako su va\u017eni kao i ogla\u0161eni postotak. Pla\u0107anje karticama i obro\u010dno pla\u0107anje ovisi o ispunjavanju uvjeta i mo\u017ee uklju\u010divati tro\u0161kove; nemojte birati ra\u010dun isklju\u010divo na temelju limita ili promotivne stope.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/l7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E\" alt=\"PicPay banka: kartica, Pix i + logotip\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">PicPay banka: Kartica, Pix i vi\u0161e<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.60;\" aria-label=\"Ocjena 4,6 od 5\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2Fl7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E&title=Banco+PicPay%3A+Cart%C3%A3o%2C+Pix+e+%2B&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.picpay\" class=\"download-btn\" id=\"download-btn-3\" data-instance=\"4\" data-title=\"Banco PicPay: Cart\u00e3o, Pix e +\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-3\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Banco PicPay: Cart\u00e3o, Pix e +\",\n                            app_instance: 4,\n                            button_id: \"download-btn-3\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Banco PicPay: Cart\u00e3o, Pix e +\",\n                                    app_instance: 4,\n                                    button_id: \"download-btn-3\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>Mercado Pago: isplati se od prvog dana.<\/h3>\n<p>Ovo je najvi\u0161e ocijenjena kartica u grupi: 4,9 s 14 milijuna recenzija. Stanje zara\u0111uje do 105% CDI stope od prvog dana, bez minimalnog roka, sve dok je omogu\u0107eno automatsko obra\u010dunavanje kamata. Kreditna kartica nema godi\u0161nju naknadu i omogu\u0107uje pla\u0107anje na rate do 18 puta u Mercado Livre i partnerskim trgovinama. Naknada za podizanje nije javno dostupna: provjerite aplikaciju prije podizanja.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/-WB4u-r62cAEy8kImGb4-pXGcr2T-nC71c54xJO4m1aIRtKb2eI2pW_rm7AZg6tEpOL1ZTdIiozUMHgA6eZFl9Y\" alt=\"Mercado Pago: Banco Digital Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Mercado Pago: Digitalna banka<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.90;\" aria-label=\"Ocjena 4,9 od 5\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F-WB4u-r62cAEy8kImGb4-pXGcr2T-nC71c54xJO4m1aIRtKb2eI2pW_rm7AZg6tEpOL1ZTdIiozUMHgA6eZFl9Y&title=Mercado+Pago%3A+Banco+Digital&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.mercadopago.wallet\" class=\"download-btn\" id=\"download-btn-4\" data-instance=\"5\" data-title=\"Mercado Pago: Banco Digital\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-4\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Mercado Pago: Banco Digital\",\n                            app_instance: 5,\n                            button_id: \"download-btn-4\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Mercado Pago: Banco Digital\",\n                                    app_instance: 5,\n                                    button_id: \"download-btn-4\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h2>Prva karta: donji limit i karta koja pove\u0107ava limit.<\/h2>\n<p>Odobren ra\u010dun ne zna\u010di odobrenu karticu. Ra\u010duni se izdaju gotovo svima; kreditne kartice su zajmovi i podlo\u017ene su analizi. Neon i C6 na svojim prijavnicama pi\u0161u &quot;podlo\u017eno analizi&quot;, a pravilo je isto i za ostalu \u010detvoricu: oni koji nikada prije nisu imali kredit obi\u010dno dobivaju nizak po\u010detni limit, ponekad isprva samo debitnu karticu.<\/p>\n<p>Rje\u0161enje digitalnih banaka je kreditni limit osiguran u\u0161te\u0111enim novcem. U Nubanku, Zajam\u010deni limit koristi stanje Caixe (\u0161tednog ra\u010duna) ili obveznice Treasury Direct kao kolateral, bez ikakvih tro\u0161kova: u\u0161te\u0111enih 500 R$ postaje 500 R$ kreditnog limita, a novac nastavlja obra\u010dunavati kamate. U Neonu, Viracr\u00e9dito radi isto po\u010dev\u0161i od 10 R$, jednog reala kreditnog limita za svaki u\u0161te\u0111eni real, u onome \u0161to aplikacija naziva &quot;elasti\u010dnim limitom&quot;.<\/p>\n<p>Za pove\u0107anje uobi\u010dajenog kreditnog limita, aplikacije prate pona\u0161anje: pla\u0107anje cijelog ra\u010duna do datuma dospije\u0107a, kori\u0161tenje kartice svaki mjesec, a\u017euriranje prihoda i adrese te nepodno\u0161enje zahtjeva za pove\u0107anje svaki tjedan. Zahtjev se podnosi unutar aplikacije, na zaslonu kartice.<\/p>\n<h2>Kako zatra\u017eiti otvaranje ra\u010duna<\/h2>\n<p>Svih \u0161est aplikacija slijedi isti scenarij. Pripremite svoj CPF (brazilski porezni identifikacijski broj), osobnu iskaznicu s fotografijom (RG ili CNH), dokaz o adresi ako ga aplikacija tra\u017ei i dobro osvijetljeno mjesto za selfie.<\/p>\n<ol>\n<li>Preuzmite aplikaciju s Google Playa ili App Storea, nikada putem poveznice primljene u poruci.<\/li>\n<li>Unesite svoj CPF (brazilski porezni identifikacijski broj), puno ime, e-po\u0161tu i broj telefona; aplikacija \u0107e poslati kod putem SMS-a.<\/li>\n<li>Fotografirajte prednju i stra\u017enju stranu dokumenta pomo\u0107u same aplikacije.<\/li>\n<li>Snimite selfie prate\u0107i kadriranje na ekranu, bez sun\u010danih nao\u010dala ili \u0161e\u0161ira.<\/li>\n<li>Unesite adresu i pri\u010dekajte pregled; aplikacija \u0107e vas obavijestiti kada se ra\u010dun otvori.<\/li>\n<li>Registrirajte Pix klju\u010d i omogu\u0107ite kamate na svoj saldo tamo gdje nisu automatske.<\/li>\n<li>Generirajte virtualnu karticu i, ako \u017eelite, zatra\u017eite fizi\u010dku.<\/li>\n<\/ol>\n<h2>Kako digitalne banke zara\u0111uju bez naplate godi\u0161njih naknada.<\/h2>\n<p>Besplatni ra\u010dun je po\u010detna to\u010dka. Prihod dolazi iz drugih tokova:<\/p>\n<ul>\n<li><strong>Te\u010daj<\/strong>Sa svakom kupnjom obavljenom karticom, trgovina pla\u0107a postotak mre\u017ei kartica i banci izdavatelju. Zato svaka aplikacija inzistira na kori\u0161tenju kartice.<\/li>\n<li><strong>Kamate na revolving kredit i obro\u010dna pla\u0107anja<\/strong>Neonova tablica pokazuje mjese\u010dni tro\u0161ak od 211 TP3T na revolving kreditu, s ukupnim efektivnim tro\u0161kom od 920,151 TP3T godi\u0161nje. Nepla\u0107eni ra\u010dun od 1.000 R$ postaje 1.210 R$ sljede\u0107i mjesec.<\/li>\n<li><strong>Osobni zajam, zajam za isplatu pla\u0107a i predujam FGTS-a (brazilski fond za otpremnine zaposlenika).<\/strong>, ponu\u0111en na po\u010detnom zaslonu \u0161estorke.<\/li>\n<li><strong>Razlika izme\u0111u onoga \u0161to vam donosi va\u0161 saldo na ra\u010dunu i onoga \u0161to banka zaradi ulaganjem tog novca.<\/strong>Zato Nubank ispla\u0107uje samo novac koji je nepodmiren 30 dana, dok Mercado Pago zahtijeva da omogu\u0107ite pla\u0107anje kamata.<\/li>\n<li><strong>Naknade za usluge<\/strong>Isplate, bankovni transferi u nekim slu\u010dajevima i zamjena valuta za me\u0111unarodne kupnje (7% kod Neona, plus IOF od 3.50%).<\/li>\n<li><strong>Provizija trgovine<\/strong>Inter Shop, PicPay Shop i Mercado Livre pla\u0107aju proviziju banci za svaku prodaju, a povrat novca je dio te provizije.<\/li>\n<\/ul>\n<p>Pla\u0107anje ra\u010duna na rate kreditnom karticom, koju PicPay ogla\u0161ava u do 36 rata i pojavljuje se u drugim aplikacijama, tako\u0111er je kredit s kamatama i IOF-om (brazilski porez na financijske transakcije).; <a href=\"https:\/\/tikmobiles.com\/hr\/platite-racun-u-ratama-putem-mobitela\/\">Vodi\u010d za pla\u0107anje ra\u010duna na rate putem mobitela.<\/a> Prikazuje vam ra\u010dun prije nego \u0161to ga prihvatite.<\/p>\n<h2>Je li va\u0161 novac za\u0161ti\u0107en? FGC i platna institucija<\/h2>\n<p>Fond za jamstvo kredita pokriva do 250.000 brazilskih poreznih obveznika (CPF), po instituciji ili financijskom konglomeratu, na teku\u0107im ra\u010dunima, \u0161tednim ra\u010dunima, potvrdama o depozitu (CDB), potvrdama o bankovnom depozitu (RDB) i akreditivima. U Interu, koji je banka, teku\u0107i ra\u010duni podlije\u017eu ovom pravilu. U Nubanku, web stranica obja\u0161njava da depozit mo\u017ee biti u RDB-u koji izdaje Nu Financeira, s pokri\u0107em FGC-a, ili na platnom ra\u010dunu; u Neonu, CDB izdaje Neon Financeira.<\/p>\n<p>Ista grupa mo\u017ee poslovati s bankom, financijskom institucijom i institucijom za platni promet. Za\u0161tita va\u0161eg novca ovisi o subjektu i ugovorenom proizvodu, a ne o nazivu aplikacije. Ra\u010duni za platni promet imaju zakonski propisanu segregaciju imovine, dok prihvatljive CDB-ove i RDB-ove mo\u017ee pokriti FGC (Brazilski fond za osiguranje depozita). Pro\u010ditajte pravila o identifikaciji i za\u0161titi izdavatelja u dokumentaciji proizvoda.<\/p>\n<h2>Uobi\u010dajene gre\u0161ke pri odabiru<\/h2>\n<ul>\n<li><strong>Otvorite \u010detiri ra\u010duna odjednom.<\/strong> Svako otvaranje ra\u010duna generira provjeru kreditne sposobnosti, a raspore\u0111eni novac ne ispunjava 30 dana koje Nubank zahtijeva za obra\u010dun kamata. Odaberite jedan za svoju pla\u0107u i, najvi\u0161e, drugi za \u0161tednju.<\/li>\n<li><strong>Vjerovanje u reklame koje obe\u0107avaju &quot;trenutno odobrenje kreditne kartice&quot;.<\/strong> U informativnom listu aplikacije pi\u0161e &quot;podlo\u017eno analizi&quot;. Svatko tko obe\u0107ava prikladnu karticu za sve prodaje ne\u0161to sasvim drugo.<\/li>\n<li><strong>Povla\u010dite svaki tjedan.<\/strong> \u010cetiri isplate u Nubanku ko\u0161taju $ 26 R$ mjese\u010dno, $ 312 R$ godi\u0161nje. Platite debitnom karticom ili Pix-om i koristite Pix Saque na tr\u017ei\u0161tu kada vam je potreban gotovina.<\/li>\n<li><strong>Ostavite performans isklju\u010den.<\/strong> U Mercado Pagu, saldo zara\u0111uje kamate samo uz omogu\u0107enu automatsku kamatu; u Interu, tek nakon \u0161to se prebaci na &quot;Porquinho&quot; (kasica prasica).<\/li>\n<li><strong>Unesite rotaciju.<\/strong> Pla\u0107anje samo minimalnog iznosa na va\u0161em ra\u010dunu aktivira najskuplju dostupnu kreditnu liniju. Ako ne mo\u017eete platiti puni iznos, obro\u010dna otplata putem aplikacije ko\u0161ta manje nego kori\u0161tenje opcije revolving kredita.<\/li>\n<li><strong>Instalirajte aplikaciju putem poveznice u poruci.<\/strong> \u201c&quot;A\u017euriranja&quot; poslana putem SMS-a ili WhatsAppa su prijevare osmi\u0161ljene za kra\u0111u lozinki. Ispravan put je uvijek putem slu\u017ebene trgovine.<\/li>\n<\/ul>\n<p>S otvorenim ra\u010dunom i karticom u ruci, sljede\u0107i korak je shvatiti kamo novac ide svaki mjesec; <a href=\"https:\/\/tikmobiles.com\/hr\/ustedite-novac-s-aplikacijama\/\">vodi\u010d za aplikacije za kontrolu tro\u0161kova<\/a> Pokazuje kako kreirati prora\u010dun na temelju izjave koju digitalna banka ve\u0107 pru\u017ea.<\/p>\n<h2>Uobi\u010dajena pitanja<\/h2>\n<h3>Trebam li dostaviti dokaz o prihodima za otvaranje ra\u010duna?<\/h3>\n<p>Za ra\u010dun vam je potrebno samo: va\u0161 CPF (brazilski porezni identifikacijski broj), osobna iskaznica s fotografijom i selfie. Prihod se uzima u obzir u analizi kreditne kartice i kredita, a navo\u0111enje iznosa prihoda tijekom registracije poma\u017ee aplikaciji da odredi va\u0161 po\u010detni kreditni limit.<\/p>\n<h3>Koje od \u0161est je najbolje mjesto za ostaviti novac nekori\u0161tenim?<\/h3>\n<p>Ne postoji jedan dobitni ra\u010dun za svako razdoblje. Usporedite efektivni postotak, poreze, promotivna ograni\u010denja, datum po\u010detka povrata i dostupnost za iskori\u0161tavanje. Za ve\u0107u ponudu mo\u017ee biti potrebna pretplata ili vezani saldo. Provjerite uvjete prikazane za va\u0161 ra\u010dun i izbjegavajte ugovaranje proizvoda koji ugro\u017eava novac namijenjen za neposredne tro\u0161kove.<\/p>\n<h3>Ima li kreditna kartica bez godi\u0161nje naknade skrivene tro\u0161kove?<\/h3>\n<p>Godi\u0161nja naknada je nula. Ono \u0161to ko\u0161ta je pogre\u0161no kori\u0161tenje kredita: revolving kredit, podizanje gotovine kreditnom karticom i me\u0111unarodne kupnje, koje podlije\u017eu porezu od 3.50% IOF plus bankovni raspon (Neon izvje\u0161tava 7%). Pla\u0107anjem cijelog ra\u010duna i kupnjom u realima, kartica postaje prakti\u010dki besplatna.<\/p>\n<p>Prije otvaranja novog ra\u010duna provjerite nudi li va\u0161 trenutni ve\u0107 nedostaju\u0107e zna\u010dajke: Pix (brazilski sustav trenutnog pla\u0107anja), virtualnu karticu, organizaciju usmjerenu na ciljeve ili podizanje gotovine. Ako se odlu\u010dite za promjenu, pro\u010ditajte naknade i uvjete, dovr\u0161ite validaciju putem slu\u017ebene aplikacije i aktivirajte sve dostupne za\u0161tite. Ne morate uzimati kredit ili ulagati da biste procijenili osnovne usluge.<\/p>\n<h3>Da li otvaranje ra\u010duna jam\u010di kreditnu karticu?<\/h3>\n<p>Ne. Odobrenje i kreditni limit ovise o analizi i uvjetima proizvoda. Ra\u010dun, debitna kartica i kreditna kartica su razli\u010dite usluge.<\/p>\n<h2>Pro\u010ditajte tako\u0111er<\/h2>\n<ul class=\"tk-leia\">\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/najbolje-aplikacije-za-ulaganje\/\">Najbolje aplikacije za ulaganje: kako otvoriti ra\u010dun i zapo\u010deti s malo novca.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/platite-racun-u-ratama-putem-mobitela\/\">Pla\u0107anje ra\u010duna na rate putem mobitela: koje aplikacije to omogu\u0107uju i kolika je kamata?<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/aplikacije-za-povrat-novca-primaju-novac\/\">Aplikacije za povrat novca: kamo ide povrat novca i koliko dugo traje<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/ustedite-novac-s-aplikacijama\/\">U\u0161teda novca s aplikacijama: kako kreirati i slijediti mjese\u010dni prora\u010dun<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Conta sem mensalidade n\u00e3o significa que todos os servi\u00e7os sejam gratuitos. Nubank, Inter, C6, Neon, PicPay e Mercado Pago oferecem produtos com condi\u00e7\u00f5es diferentes para manuten\u00e7\u00e3o,\u2026<\/p>","protected":false},"author":1,"featured_media":31081,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"mobile-allow":"","post-descricao":"","texto-interacao":"","bt-1":"","lk-1":"","bt-2":"","lk-2":"","bt-3":"","lk-3":"","bt-4":"","lk-4":"","_revidia_rewards_active":"","footnotes":""},"categories":[21],"tags":[],"class_list":["post-30447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financeiro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bancos digitais: melhores apps para conta gr\u00e1tis e cart\u00e3o sem anuidade - Tik Mobiles<\/title>\n<meta name=\"description\" content=\"Compare contas digitais, tarifas, cart\u00f5es, rendimento e prote\u00e7\u00e3o do saldo. 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