{"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":"%e6%9c%80%e9%ab%98%e3%81%ae%e3%83%87%e3%82%b8%e3%82%bf%e3%83%ab%e9%8a%80%e8%a1%8c%e3%82%a2%e3%83%97%e3%83%aa","status":"publish","type":"post","link":"https:\/\/tikmobiles.com\/jp\/bancos-digitais-melhores-apps\/","title":{"rendered":"\u30c7\u30b8\u30bf\u30eb\u9280\u884c\uff1a\u7121\u6599\u53e3\u5ea7\u3068\u5e74\u4f1a\u8cbb\u7121\u6599\u306e\u30ab\u30fc\u30c9\u306b\u6700\u9069\u306a\u30a2\u30d7\u30ea"},"content":{"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, cart\u00e3o, saque e cr\u00e9dito. Confira a modalidade dispon\u00edvel para o seu perfil e sua tabela de tarifas. Este guia ajuda a comparar o uso cotidiano sem transformar uma oferta promocional em regra para todas as contas.<\/p>\n<p>O rendimento de saldo tamb\u00e9m varia entre produtos. Percentuais promocionais podem exigir movimenta\u00e7\u00e3o, assinatura, limite de valor ou perman\u00eancia m\u00ednima, e o resultado l\u00edquido depende de impostos e regras de resgate. Compare o dinheiro que ficar\u00e1 dispon\u00edvel na data necess\u00e1ria, n\u00e3o apenas o maior percentual destacado na tela.<\/p>\n<p>Fui atr\u00e1s das tabelas de tarifas publicadas pelos pr\u00f3prios bancos e das fichas na Google Play. O que n\u00e3o consegui confirmar em fonte oficial aparece como &#8220;confira no app&#8221;. O Banco Original, que a vers\u00e3o antiga deste texto recomendava, saiu da Google Play e ficou fora da lista.<\/p>\n<h2>O que \u00e9 gr\u00e1tis nos seis apps<\/h2>\n<p>Use esta lista para conferir o pacote b\u00e1sico da modalidade que pretende abrir. Uma conta pode oferecer esses servi\u00e7os sem tarifa e cobrar por outros, ou exigir condi\u00e7\u00f5es espec\u00edficas de uso:<\/p>\n<ul>\n<li><strong>Abrir e manter a conta<\/strong>: sem tarifa de abertura, sem mensalidade, sem saldo m\u00ednimo. A Neon publica isso linha por linha (abertura, manuten\u00e7\u00e3o e encerramento a R$ 0,00); os outros repetem &#8220;conta gratuita&#8221; na ficha da loja.<\/li>\n<li><strong>Pix<\/strong>: confira a gratuidade e as hip\u00f3teses de cobran\u00e7a da modalidade, especialmente em uso comercial.<\/li>\n<li><strong>Cart\u00e3o de cr\u00e9dito sem anuidade<\/strong>: Nubank, Inter, Neon, PicPay Card Gold, Mercado Pago e C6 Platinum, todos sujeitos a an\u00e1lise de cr\u00e9dito.<\/li>\n<li><strong>Cart\u00e3o virtual<\/strong> para compra online, gerado dentro do app.<\/li>\n<li><strong>Pagar boleto e recarregar celular<\/strong> pelo pr\u00f3prio app.<\/li>\n<li><strong>Transferir para outro banco pelo Pix<\/strong>: gr\u00e1tis nos seis. A TED \u00e9 outra hist\u00f3ria.<\/li>\n<\/ul>\n<h2>O que cada um cobra: saque, TED e cart\u00e3o parado<\/h2>\n<p>Saques podem ter tarifas ou cotas conforme conta, segmento e rede utilizada. Confira a tabela e a tela da opera\u00e7\u00e3o antes de retirar dinheiro.<\/p>\n<h3>Saque em dinheiro<\/h3>\n<ul>\n<li><strong>\u30cc\u30fc\u30d0\u30f3\u30af<\/strong>: R$ 6,50 por saque nas redes Banco24Horas e Saque e Pague, valor que o site do banco informa.<\/li>\n<li><strong>\u30a4\u30f3\u30bf\u30fc<\/strong>: no segmento Digital, 4 saques por m\u00eas inclu\u00eddos; a partir do quinto, R$ 6,40 cada. Pix Saque e Pix Troco t\u00eam 8 gratuitos por m\u00eas, segundo a tabela de pessoa f\u00edsica vigente desde 10 de agosto de 2026.<\/li>\n<li><strong>\u30cd\u30aa\u30f3<\/strong>: R$ 8,90 por saque no Banco24Horas; Pix Saque e Pix Troco a R$ 0,00.<\/li>\n<li><strong>PicPay, Mercado Pago e C6 Bank<\/strong>: n\u00e3o encontrei o valor em p\u00e1gina p\u00fablica que desse para conferir; os tr\u00eas mostram a tarifa dentro do app, na tela de saque. Olhe antes de retirar.<\/li>\n<\/ul>\n<p>Pix Saque e Pix Troco s\u00e3o alternativas onde dispon\u00edveis, com regras e limites pr\u00f3prios. Confira elegibilidade e eventuais tarifas da sua modalidade.<\/p>\n<h3>TED, segunda via e a tarifa de quem n\u00e3o usa<\/h3>\n<p>Compare Pix e TED na tabela da sua conta. Para pessoa f\u00edsica, o Pix \u00e9 geralmente gratuito, mas existem hip\u00f3teses de cobran\u00e7a previstas nas regras. Conta empresarial e recebimento comercial precisam de confer\u00eancia espec\u00edfica.<\/p>\n<p>Em perda ou roubo, bloqueie o cart\u00e3o pelos canais oficiais e confira o custo e prazo da segunda via.<\/p>\n<p>Confira tarifas de servi\u00e7os pouco usados e condi\u00e7\u00f5es de inatividade. Se decidir encerrar a conta, resolva saldos e obriga\u00e7\u00f5es e guarde a confirma\u00e7\u00e3o.<\/p>\n<h2>Os seis apps, um por um<\/h2>\n<h3>Nubank: o mais simples de operar<\/h3>\n<p>O Nubank re\u00fane conta, cart\u00e3o e recursos para organizar valores por objetivo. Produtos de cr\u00e9dito, Caixinhas e ofertas de rendimento t\u00eam condi\u00e7\u00f5es pr\u00f3prias. Confira elegibilidade, prazo e custos na sua conta antes de escolher uma modalidade.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/FP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4\" alt=\"Nubank: conta, cart\u00e3o e mais Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Nubank\uff1a\u53e3\u5ea7\u3001\u30ab\u30fc\u30c9\u3001\u305d\u306e\u4ed6<\/h3>  <span class=\"app-category\">\u30a2\u30f3\u30c9\u30ed\u30a4\u30c9<\/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=\"\u8a55\u4fa1\uff1a5\u70b9\u6e80\u70b9\u4e2d4.8\u70b9\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/jp\/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\">Google Play\u3067\u898b\u308b<\/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: banco completo, com cota de saques<\/h3>\n<p>O Inter \u00e9 banco no CNPJ (Banco Inter S.A.), n\u00e3o institui\u00e7\u00e3o de pagamento, com conta corrente, Meu Porquinho a partir de R$ 1, cart\u00e3o sem anuidade e pontos no Inter Loop, que trocam por milhas, desconto na fatura ou cashback. As duas linhas da tabela que pedem aten\u00e7\u00e3o s\u00e3o a cota de 4 saques por m\u00eas e a TED a R$ 5,00, ambas contorn\u00e1veis com Pix.<\/p>\n<p>O Inter Shop devolve parte da compra como cashback na conta; <a href=\"https:\/\/tikmobiles.com\/jp\/%e3%82%ad%e3%83%a3%e3%83%83%e3%82%b7%e3%83%a5%e3%83%90%e3%83%83%e3%82%af%e3%82%a2%e3%83%97%e3%83%aa%e3%81%a7%e3%81%8a%e9%87%91%e3%82%92%e5%8f%97%e3%81%91%e5%8f%96%e3%82%8b\/\">o guia de como funciona o cashback<\/a> mostra o prazo de confirma\u00e7\u00e3o e por que o valor demora a aparecer.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/zUp6OkIQ7sYvowxxeYgIVg2x65i2m9lk7PAcuUVMh4gddUmCq3qBTVNvnNrDpN2OkwEeydgExBTrvrBFIFiUlJI\" alt=\"Inter: Conta, Cart\u00e3o e Pix Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Inter: \u30a2\u30ab\u30a6\u30f3\u30c8\u3001\u30ab\u30fc\u30c9\u3001\u5199\u771f<\/h3>  <span class=\"app-category\">\u30a2\u30f3\u30c9\u30ed\u30a4\u30c9<\/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=\"\u8a55\u4fa1\uff1a5\u70b9\u6e80\u70b9\u4e2d4.8\u70b9\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/jp\/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\">Google Play\u3067\u898b\u308b<\/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: tr\u00eas cart\u00f5es, um sem anuidade<\/h3>\n<p>O C6 oferece tr\u00eas cart\u00f5es, todos sujeitos a an\u00e1lise. O C6 Platinum tem anuidade zero e acumula pontos no cr\u00e9dito e no d\u00e9bito. O C6 Black custa 12 vezes R$ 50 e o C6 Carbon, 12 vezes R$ 98, com isen\u00e7\u00e3o nos tr\u00eas primeiros meses e depois mediante uso do cart\u00e3o ou investimento pelo app. A C6 Conta Global, conta internacional com cota\u00e7\u00e3o comercial, \u00e9 o diferencial de quem viaja. A ficha na Google Play tem 1 milh\u00e3o de avalia\u00e7\u00f5es e nota 4,8. Tarifa de saque, TED e rendimento do saldo eu n\u00e3o confirmei, porque o site do banco recusa consulta autom\u00e1tica: abra a tabela no app antes de decidir.<\/p>\n<h3>Neon: a tabela mais transparente e o Viracr\u00e9dito<\/h3>\n<p>A Neon publica a tabela inteira em uma p\u00e1gina: abertura, manuten\u00e7\u00e3o, encerramento, emiss\u00e3o de cart\u00e3o, anuidade, transfer\u00eancia para outros bancos e dep\u00f3sito por boleto, tudo a R$ 0,00. S\u00f3 duas linhas pesam para quem usa a conta: saque no Banco24Horas a R$ 8,90 e compras internacionais com 7% mais 3,50% de IOF. O Viracr\u00e9dito converte cada R$ 1 guardado em R$ 1 de limite no cart\u00e3o, a partir de R$ 10, e o CDB Neon \u00e9 o produto do app para o dinheiro render mais que a poupan\u00e7a.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/iZ1QPfUvvQWC5HCEek8YfdY6tpiX7RsvsCOUuBDSflNNCNK9RDu5EJ2UPgNfSta2yZZX4rRBwtf9GgvuyihP\" alt=\"Neon cart\u00e3o de cr\u00e9dito e conta Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Neon cart\u00e3o de cr\u00e9dito e conta<\/h3>  <span class=\"app-category\">\u30a2\u30f3\u30c9\u30ed\u30a4\u30c9<\/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=\"\u8a55\u4fa1\uff1a5\u70b9\u6e80\u70b9\u4e2d4.8\u70b9\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/jp\/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\">Google Play\u3067\u898b\u308b<\/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: rendimento de at\u00e9 102% do CDI<\/h3>\n<p>O PicPay combina conta, cart\u00f5es e produtos para guardar dinheiro. Confira a regra atual do saldo remunerado e dos Cofrinhos: in\u00edcio do rendimento, tributa\u00e7\u00e3o, prazo e eventuais condi\u00e7\u00f5es s\u00e3o t\u00e3o relevantes quanto o percentual anunciado. Cart\u00e3o e parcelamento dependem de elegibilidade e podem envolver custos; n\u00e3o escolha a conta apenas pelo limite ou pela taxa promocional.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/l7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E\" alt=\"Banco PicPay: Cart\u00e3o, Pix e + Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">PicPay Bank\uff1a\u30ab\u30fc\u30c9\u3001\u5199\u771f\u306a\u3069<\/h3>  <span class=\"app-category\">\u30a2\u30f3\u30c9\u30ed\u30a4\u30c9<\/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=\"\u8a55\u4fa1\uff1a5\u70b9\u6e80\u70b9\u4e2d4.6\u70b9\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/jp\/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\">Google Play\u3067\u898b\u308b<\/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: rende desde o primeiro dia<\/h3>\n<p>\u00c9 a ficha mais bem avaliada do grupo: 4,9 com 14 milh\u00f5es de avalia\u00e7\u00f5es. O saldo rende at\u00e9 105% do CDI a partir do primeiro dia, sem prazo m\u00ednimo, desde que o rendimento autom\u00e1tico esteja ativado. O cart\u00e3o de cr\u00e9dito n\u00e3o tem anuidade e parcela em at\u00e9 18 vezes no Mercado Livre e em lojas parceiras. A tarifa de saque n\u00e3o est\u00e1 em p\u00e1gina p\u00fablica: confira no app antes de retirar.<\/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: Banco Digital<\/h3>  <span class=\"app-category\">\u30a2\u30f3\u30c9\u30ed\u30a4\u30c9<\/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=\"\u8a55\u4fa1\uff1a5\u70b9\u6e80\u70b9\u4e2d4.9\u70b9\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/jp\/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\">Google Play\u3067\u898b\u308b<\/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>O primeiro cart\u00e3o: limite baixo e o cart\u00e3o que constr\u00f3i limite<\/h2>\n<p>Conta aprovada n\u00e3o \u00e9 cart\u00e3o aprovado. A conta sai para quase todo mundo; o cart\u00e3o de cr\u00e9dito \u00e9 empr\u00e9stimo e passa por an\u00e1lise. A Neon e o C6 escrevem &#8220;sujeito a an\u00e1lise&#8221; na pr\u00f3pria ficha, e a regra \u00e9 a mesma nos outros quatro: quem nunca teve cr\u00e9dito costuma receber um limite inicial baixo, \u00e0s vezes s\u00f3 o cart\u00e3o de d\u00e9bito no come\u00e7o.<\/p>\n<p>A resposta dos bancos digitais \u00e9 o limite lastreado em dinheiro guardado. No Nubank, o Nu Limite Garantido usa o saldo de uma Caixinha ou um t\u00edtulo do Tesouro Direto como garantia, sem custo: R$ 500 guardados viram R$ 500 de limite, e o dinheiro continua rendendo. Na Neon, o Viracr\u00e9dito faz o mesmo a partir de R$ 10, um real de limite para cada real guardado, no que o app chama de &#8220;limite el\u00e1stico&#8221;.<\/p>\n<p>Para o limite comum crescer, o que os apps olham \u00e9 comportamento: pagar a fatura inteira at\u00e9 o vencimento, usar o cart\u00e3o todo m\u00eas, manter renda e endere\u00e7o atualizados e n\u00e3o pedir aumento toda semana. O pedido fica dentro do app, na tela do cart\u00e3o.<\/p>\n<h2>Como solicitar a abertura da conta<\/h2>\n<p>Os seis apps seguem o mesmo roteiro. Separe CPF, um documento com foto (RG ou CNH), um comprovante de endere\u00e7o caso o app pe\u00e7a e um lugar iluminado para a selfie.<\/p>\n<ol>\n<li>Baixe o app pela Google Play ou pela App Store, nunca por link recebido em mensagem.<\/li>\n<li>Digite CPF, nome completo, e-mail e telefone; o app manda um c\u00f3digo por SMS.<\/li>\n<li>Fotografe a frente e o verso do documento pelo pr\u00f3prio app.<\/li>\n<li>Tire a selfie seguindo o enquadramento na tela, sem \u00f3culos escuros nem bon\u00e9.<\/li>\n<li>Informe o endere\u00e7o e aguarde a an\u00e1lise; o app avisa quando a conta abre.<\/li>\n<li>Cadastre uma chave Pix e ligue o rendimento do saldo onde ele n\u00e3o \u00e9 autom\u00e1tico.<\/li>\n<li>Gere o cart\u00e3o virtual e, se quiser, pe\u00e7a o f\u00edsico.<\/li>\n<\/ol>\n<h2>Como o banco digital ganha dinheiro sem cobrar anuidade<\/h2>\n<p>A conta gratuita \u00e9 a porta de entrada. As receitas v\u00eam de outras linhas:<\/p>\n<ul>\n<li><strong>Taxa de interc\u00e2mbio<\/strong>: a cada compra no cart\u00e3o, a loja paga uma porcentagem \u00e0 bandeira e ao banco emissor. Por isso todo app insiste que voc\u00ea use o cart\u00e3o.<\/li>\n<li><strong>Juros do rotativo e do parcelamento da fatura<\/strong>: a tabela da Neon informa 21% ao m\u00eas no rotativo, custo efetivo total de 920,15% ao ano. Uma fatura de R$ 1.000 n\u00e3o paga vira R$ 1.210 no m\u00eas seguinte.<\/li>\n<li><strong>Empr\u00e9stimo pessoal, consignado e antecipa\u00e7\u00e3o do FGTS<\/strong>, oferecidos na tela inicial dos seis.<\/li>\n<li><strong>Diferen\u00e7a entre o que o saldo rende para voc\u00ea e o que o banco ganha aplicando esse dinheiro<\/strong>: por isso o Nubank s\u00f3 paga o dinheiro que completa 30 dias e o Mercado Pago pede que voc\u00ea ligue o rendimento.<\/li>\n<li><strong>Tarifas de servi\u00e7o<\/strong>: saque, TED em alguns casos e c\u00e2mbio nas compras internacionais (7% na Neon, mais o IOF de 3,50%).<\/li>\n<li><strong>Comiss\u00e3o de loja<\/strong>: Inter Shop, PicPay Shop e Mercado Livre pagam comiss\u00e3o ao banco em cada venda, e o cashback \u00e9 uma fatia dessa comiss\u00e3o.<\/li>\n<\/ul>\n<p>Parcelar boleto pelo cart\u00e3o, que o PicPay anuncia em at\u00e9 36 vezes e aparece em outros apps, tamb\u00e9m \u00e9 cr\u00e9dito com juros e IOF; <a href=\"https:\/\/tikmobiles.com\/jp\/%e6%90%ba%e5%b8%af%e9%9b%bb%e8%a9%b1%e3%81%a7%e5%88%86%e5%89%b2%e6%89%95%e3%81%84%e3%82%92%e3%81%99%e3%82%8b\/\">o guia de parcelar boleto pelo celular<\/a> mostra a conta antes de voc\u00ea aceitar.<\/p>\n<h2>Seu dinheiro est\u00e1 protegido? FGC e institui\u00e7\u00e3o de pagamento<\/h2>\n<p>O Fundo Garantidor de Cr\u00e9ditos cobre at\u00e9 R$ 250 mil por CPF, por institui\u00e7\u00e3o ou conglomerado financeiro, em conta corrente, poupan\u00e7a, CDB, RDB e letras de cr\u00e9dito. No Inter, que \u00e9 banco, a conta corrente entra nessa regra. No Nubank, o site explica que o dep\u00f3sito pode ficar em RDB emitido pela Nu Financeira, com cobertura do FGC, ou em conta de pagamento; na Neon, o CDB \u00e9 emitido pela Neon Financeira.<\/p>\n<p>Um mesmo grupo pode operar com banco, financeira e institui\u00e7\u00e3o de pagamento. A prote\u00e7\u00e3o do dinheiro depende da entidade e do produto contratado, n\u00e3o do nome do aplicativo. Contas de pagamento t\u00eam segrega\u00e7\u00e3o patrimonial prevista em lei, enquanto CDB e RDB eleg\u00edveis podem ter FGC. Leia a identifica\u00e7\u00e3o do emissor e a regra de prote\u00e7\u00e3o na documenta\u00e7\u00e3o do produto.<\/p>\n<h2>\u9078\u629e\u6642\u306b\u3088\u304f\u3042\u308b\u9593\u9055\u3044<\/h2>\n<ul>\n<li><strong>Abrir quatro contas de uma vez.<\/strong> Cada abertura gera consulta de cr\u00e9dito, e o dinheiro espalhado n\u00e3o completa os 30 dias que o Nubank exige para render. Escolha uma para o sal\u00e1rio e, no m\u00e1ximo, uma segunda para guardar.<\/li>\n<li><strong>Acreditar em an\u00fancio de &#8220;cart\u00e3o aprovado na hora&#8221;.<\/strong> A ficha dos apps diz &#8220;sujeito a an\u00e1lise&#8221;. Quem promete cart\u00e3o certo para todo mundo est\u00e1 vendendo outra coisa.<\/li>\n<li><strong>Sacar toda semana.<\/strong> Quatro saques no Nubank s\u00e3o R$ 26 por m\u00eas, R$ 312 por ano. Pague no d\u00e9bito ou no Pix e use o Pix Saque no mercado quando precisar de c\u00e9dula.<\/li>\n<li><strong>Deixar o rendimento desligado.<\/strong> No Mercado Pago o saldo rende s\u00f3 com o rendimento autom\u00e1tico ativado; no Inter, s\u00f3 depois de mover para o Porquinho.<\/li>\n<li><strong>Entrar no rotativo.<\/strong> Pagar o m\u00ednimo da fatura aciona a linha de cr\u00e9dito mais cara da tabela. Se n\u00e3o der para pagar tudo, o parcelamento da fatura dentro do app custa menos que o rotativo.<\/li>\n<li><strong>Instalar o app por link de mensagem.<\/strong> &#8220;Atualiza\u00e7\u00e3o&#8221; enviada por SMS ou WhatsApp \u00e9 golpe para roubar senha. O caminho \u00e9 sempre a loja oficial.<\/li>\n<\/ul>\n<p>Conta aberta e cart\u00e3o na m\u00e3o, o pr\u00f3ximo passo \u00e9 saber para onde o dinheiro vai todo m\u00eas; <a href=\"https:\/\/tikmobiles.com\/jp\/%e3%82%a2%e3%83%97%e3%83%aa%e3%81%a7%e3%81%8a%e9%87%91%e3%82%92%e7%af%80%e7%b4%84\/\">o guia de apps para controlar os gastos<\/a> mostra como montar o or\u00e7amento em cima do extrato que o banco digital j\u00e1 entrega.<\/p>\n<h2>\u3088\u304f\u3042\u308b\u8cea\u554f<\/h2>\n<h3>Preciso comprovar renda para abrir a conta?<\/h3>\n<p>Para a conta, n\u00e3o: bastam CPF, documento com foto e selfie. A renda entra na an\u00e1lise do cart\u00e3o de cr\u00e9dito e do empr\u00e9stimo, e informar um valor no cadastro ajuda o app a definir o limite inicial.<\/p>\n<h3>Qual dos seis \u00e9 o melhor para deixar o dinheiro parado?<\/h3>\n<p>N\u00e3o h\u00e1 uma conta vencedora para todo prazo. Compare percentual efetivo, impostos, limites da promo\u00e7\u00e3o, in\u00edcio do rendimento e disponibilidade do resgate. Uma oferta maior pode exigir assinatura ou saldo imobilizado. Confira as condi\u00e7\u00f5es mostradas para sua conta e evite contratar um produto que comprometa o dinheiro das despesas pr\u00f3ximas.<\/p>\n<h3>O cart\u00e3o sem anuidade tem alguma cobran\u00e7a escondida?<\/h3>\n<p>Anuidade zero \u00e9 zero. O que custa \u00e9 usar o cr\u00e9dito do jeito errado: rotativo, saque com o cart\u00e3o de cr\u00e9dito e compras internacionais, que carregam IOF de 3,50% mais o spread do banco (a Neon informa 7%). Pagando a fatura inteira e comprando em real, o cart\u00e3o sai de gra\u00e7a.<\/p>\n<p>Antes de abrir outra conta, confira se a atual j\u00e1 atende ao que falta: Pix, cart\u00e3o virtual, organiza\u00e7\u00e3o por metas ou saque. Se decidir mudar, leia tarifas e condi\u00e7\u00f5es, conclua a valida\u00e7\u00e3o pelo aplicativo oficial e ative as prote\u00e7\u00f5es dispon\u00edveis. N\u00e3o \u00e9 necess\u00e1rio contratar cr\u00e9dito ou investimento para avaliar os servi\u00e7os b\u00e1sicos.<\/p>\n<h3>Abrir conta garante cart\u00e3o de cr\u00e9dito?<\/h3>\n<p>N\u00e3o. A aprova\u00e7\u00e3o e o limite dependem de an\u00e1lise e das condi\u00e7\u00f5es do produto. Conta, cart\u00e3o de d\u00e9bito e cr\u00e9dito s\u00e3o servi\u00e7os diferentes.<\/p>\n<h2>\u3053\u3061\u3089\u3082\u3054\u89a7\u304f\u3060\u3055\u3044<\/h2>\n<ul class=\"tk-leia\">\n<li><a href=\"https:\/\/tikmobiles.com\/jp\/%e6%8a%95%e8%b3%87%e3%81%ab%e6%9c%80%e9%81%a9%e3%81%aa%e3%82%a2%e3%83%97%e3%83%aa\/\">\u6295\u8cc7\u306b\u6700\u9069\u306a\u30a2\u30d7\u30ea\uff1a\u53e3\u5ea7\u958b\u8a2d\u65b9\u6cd5\u3068\u5c11\u984d\u6295\u8cc7\u306e\u59cb\u3081\u65b9\u3002<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/jp\/%e6%90%ba%e5%b8%af%e9%9b%bb%e8%a9%b1%e3%81%a7%e5%88%86%e5%89%b2%e6%89%95%e3%81%84%e3%82%92%e3%81%99%e3%82%8b\/\">\u643a\u5e2f\u96fb\u8a71\u3067\u5206\u5272\u6255\u3044\u3092\u3059\u308b\u306b\u306f\uff1f\u3069\u306e\u30a2\u30d7\u30ea\u304c\u5bfe\u5fdc\u3057\u3066\u3044\u308b\u306e\u304b\u3001\u307e\u305f\u5229\u606f\u306f\u3069\u308c\u304f\u3089\u3044\u304b\u304b\u308b\u306e\u304b\uff1f<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/jp\/%e3%82%ad%e3%83%a3%e3%83%83%e3%82%b7%e3%83%a5%e3%83%90%e3%83%83%e3%82%af%e3%82%a2%e3%83%97%e3%83%aa%e3%81%a7%e3%81%8a%e9%87%91%e3%82%92%e5%8f%97%e3%81%91%e5%8f%96%e3%82%8b\/\">\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u30a2\u30d7\u30ea\uff1a\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u306e\u884c\u304d\u5148\u3068\u6240\u8981\u6642\u9593<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/jp\/%e3%82%a2%e3%83%97%e3%83%aa%e3%81%a7%e3%81%8a%e9%87%91%e3%82%92%e7%af%80%e7%b4%84\/\">\u30a2\u30d7\u30ea\u3067\u7bc0\u7d04\u3059\u308b\u65b9\u6cd5\uff1a\u6708\u9593\u4e88\u7b97\u306e\u4f5c\u6210\u3068\u7ba1\u7406\u65b9\u6cd5<\/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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