{"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":"najboljse-aplikacije-za-digitalne-banke","status":"publish","type":"post","link":"https:\/\/tikmobiles.com\/sl\/bancos-digitais-melhores-apps\/","title":{"rendered":"Digitalne banke: najbolj\u0161e aplikacije za brezpla\u010dne ra\u010dune in kartice brez letne \u010dlanarine"},"content":{"rendered":"<p>Ra\u010dun brez mese\u010dne pristojbine ne pomeni, da so vse storitve brezpla\u010dne. Nubank, Inter, C6, Neon, PicPay in Mercado Pago ponujajo izdelke z razli\u010dnimi pogoji za vzdr\u017eevanje, kartice, dvige in kredit. Preverite razpolo\u017eljivo mo\u017enost za svoj profil in njen cenik pristojbin. Ta vodnik vam pomaga primerjati vsakodnevno uporabo, ne da bi promocijsko ponudbo spremenili v pravilo za vse ra\u010dune.<\/p>\n<p>Donosnost va\u0161ega stanja se razlikuje tudi med izdelki. Promocijski odstotki lahko zahtevajo aktivnost, naro\u010dnino, omejitev minimalne vrednosti ali minimalno obdobje dr\u017eanja, neto rezultat pa je odvisen od davkov in pravil unov\u010denja. Primerjajte denar, ki bo na voljo na \u017eeleni datum, ne le najvi\u0161ji odstotek, ozna\u010den na zaslonu.<\/p>\n<p>Iskal sem cenike provizij, ki so jih objavile banke same, in sezname v trgovini Google Play. \u010cesar nisem mogel potrditi iz uradnega vira, je prikazano kot \u201cpreveri v aplikaciji\u201d. Banco Original, ki je bila priporo\u010dena v prej\u0161nji razli\u010dici tega besedila, je zapustila trgovino Google Play in je ni ve\u010d na seznamu.<\/p>\n<h2>Kaj je v \u0161estih aplikacijah brezpla\u010dnega?<\/h2>\n<p>S tem seznamom preverite osnovni paket za vrsto ra\u010duna, ki ga nameravate odpreti. Ra\u010dun lahko te storitve ponuja brezpla\u010dno, za druge pa zara\u010duna ali pa zahteva posebne pogoje uporabe:<\/p>\n<ul>\n<li><strong>Odprite in vzdr\u017eujte ra\u010dun<\/strong>Brez provizije za odprtje, brez mese\u010dne provizije, brez minimalnega stanja. Neon to objavlja vrstico za vrstico (odprtje, vzdr\u017eevanje in zaprtje pri R$ 0,00); ostali na seznamu trgovine ponavljajo \u201cbrezpla\u010den ra\u010dun\u201d.<\/li>\n<li><strong>Pix<\/strong>Preverite mo\u017enosti brezpla\u010dnega dostopa in morebitne stro\u0161ke za to storitev, zlasti za komercialno uporabo.<\/li>\n<li><strong>Kreditna kartica brez letne \u010dlanarine<\/strong>Nubank, Inter, Neon, PicPay Card Gold, Mercado Pago in C6 Platinum so predmet kreditne analize.<\/li>\n<li><strong>Virtualna kartica<\/strong> Za spletni nakup, ustvarjeno v aplikaciji.<\/li>\n<li><strong>Pla\u010dajte ra\u010dune in napolnite svoj mobilni telefon.<\/strong> prek same aplikacije.<\/li>\n<li><strong>Prenos na drugo banko z uporabo Pixa<\/strong>Brezpla\u010dno na vseh \u0161estih. TED je pa druga zgodba.<\/li>\n<\/ul>\n<h2>Za kaj vsak zara\u010duna: dvig, ban\u010dno nakazilo in neaktivno kartico.<\/h2>\n<p>Za dvige se lahko zara\u010dunajo provizije ali kvote, odvisno od uporabljenega ra\u010duna, segmenta in omre\u017eja. Pred dvigom denarja preverite tabelo in zaslon s transakcijami.<\/p>\n<h3>Dvig gotovine<\/h3>\n<ul>\n<li><strong>Nubank<\/strong>R$ 6,50 na dvig v omre\u017ejih Banco24Horas in Saque e Pague, znesek, prikazan na spletni strani banke.<\/li>\n<li><strong>Mednarodni<\/strong>V digitalnem segmentu so vklju\u010deni 4 dvigi na mesec; od petega dviga naprej stane R$ 6,40 R$ vsak. Pix Withdrawal in Pix Change imata 8 brezpla\u010dnih dvigov na mesec, v skladu s cenikom provizij za posamezne stranke, ki velja od 10. avgusta 2026.<\/li>\n<li><strong>Neon<\/strong>R$ 8,90 na dvig pri Banco24Horas; Dvig in menjava Pix pri R$ 0,00.<\/li>\n<li><strong>PicPay, Mercado Pago in C6 Bank<\/strong>Zneska nisem mogel najti na javni strani, kjer bi ga lahko preveril; vsi trije prikazujejo provizijo v aplikaciji, na zaslonu za dvig. Pred dvigom jo preverite.<\/li>\n<\/ul>\n<p>Pix Saque in Pix Troco sta alternativi, kjer sta na voljo, s svojimi pravili in omejitvami. Preverite upravi\u010denost in morebitne veljavne pristojbine za izbrano mo\u017enost.<\/p>\n<h3>TED, dvojnik in pristojbina za tiste, ki ga ne uporabljajo.<\/h3>\n<p>Primerjajte Pix in TED v tabeli svojega ra\u010duna. Za posameznike je Pix obi\u010dajno brezpla\u010den, vendar obstajajo primeri, ko so stro\u0161ki dolo\u010deni v pravilih. Poslovni ra\u010duni in komercialna pla\u010dila zahtevajo posebno preverjanje.<\/p>\n<p>\u010ce kartico izgubite ali vam jo ukradejo, jo blokirajte po uradnih kanalih in preverite stro\u0161ke ter \u010das obdelave za nadomestno kartico.<\/p>\n<p>Preverite provizije za redko uporabljene storitve in neaktivnost. \u010ce se odlo\u010dite za zaprtje ra\u010duna, poravnajte morebitne neporavnane obveznosti in shranite potrdilo.<\/p>\n<h2>\u0160est aplikacij, ena za drugo.<\/h2>\n<h3>Nubank: najla\u017eje upravljati<\/h3>\n<p>Nubank zdru\u017euje ra\u010dune, kartice in funkcije za organizacijo va\u0161ega denarja po cilju. Kreditni produkti, var\u010devalni ra\u010duni in nalo\u017ebene ponudbe imajo svoje pogoje in dolo\u010dila. Preden izberete produkt ali storitev, preverite upravi\u010denost, pogoje in stro\u0161ke v svojem 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 in drugo Logotip\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Nubank: ra\u010dun, kartica in drugo<\/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=\"Ocena 4,8 od 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/sl\/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\">Ogled v trgovini Google Play<\/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 polno storitvijo in kvoto za dvig denarja.<\/h3>\n<p>Inter je banka s CNPJ (Banco Inter SA), ne pla\u010dilna institucija, ki ponuja teko\u010de ra\u010dune Meu Porquinho od R$ 1 naprej, kreditno kartico brez letne \u010dlanarine in to\u010dke v programu Inter Loop, ki jih je mogo\u010de zamenjati za milje, popuste na ra\u010dune ali vra\u010dilo denarja. V tabeli je treba biti pozoren na dve postavki: omejitev 4 dvigov na mesec in provizija R$ 5,00 TED, obema se je mogo\u010de izogniti s Pixom.<\/p>\n<p>Inter Shop vrne del va\u0161ega nakupa kot povra\u010dilo denarja na va\u0161 ra\u010dun; <a href=\"https:\/\/tikmobiles.com\/sl\/aplikacije-za-vracilo-denarja-prejemajo-denar\/\">Vodnik o tem, kako deluje vra\u010dilo denarja.<\/a> Prikazuje \u010dasovni okvir potrditve in zakaj se pla\u010dilo tako dolgo ne prika\u017ee.<\/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 in Pixa\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Inter: Ra\u010dun, kartica in 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=\"Ocena 4,8 od 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/sl\/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\">Ogled v trgovini Google Play<\/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, ena brez letne \u010dlanarine.<\/h3>\n<p>C6 ponuja tri kartice, vse podvr\u017eene analizi. C6 Platinum nima letne pristojbine in zbira to\u010dke za kreditne in debetne transakcije. C6 Black stane 12 obrokov po 50 R$, C6 Carbon pa 12 obrokov po 98 R$, z oprostitvijo za prve tri mesece, nato pa z uporabo kartice ali nalo\u017ebo prek aplikacije. C6 Global Account, mednarodni ra\u010dun s komercialnimi menjalnimi te\u010daji, je prednost za popotnike. Njegov seznam v trgovini Google Play ima milijon ocen in oceno 4,8. Nisem potrdil provizij za dvig, provizij za prenos TED in obrestnih mer za stanje, ker spletna stran banke zavra\u010da samodejno posvetovanje: pred odlo\u010ditvijo odprite tabelo v aplikaciji.<\/p>\n<h3>Neon: najbolj prozorna miza in Viracr\u00e9dito<\/h3>\n<p>Neon objavi celotno tabelo na eni strani: odprtje, vzdr\u017eevanje, zaprtje, izdaja kartice, letna pristojbina, prenos na druge banke in polog prek ban\u010dnega potrdila, vse po ceni 0,00 R$. Za uporabnike ra\u010dunov sta dragi le dve vrstici: dvigi na bankomatih Banco24Horas po ceni 8,90 R$ in mednarodni nakupi po ceni 3,501 R$% plus 10 R$%. Viracr\u00e9dito pretvori vsak prihranjeni R$ v R$ limita kreditne kartice, za\u010den\u0161i z 10 R$, Neon CDB pa je izdelek aplikacije, s katerim lahko zaslu\u017eite ve\u010d kot le z var\u010devalnim ra\u010dunom.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/iZ1QPfUvvQWC5HCEek8YfdY6tpiX7RsvsCOUuBDSflNNCNK9RDu5EJ2UPgNfSta2yZZX4rRBwtf9GgvuyihP\" alt=\"Neonska kreditna kartica in ra\u010dun z logotipom\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Neon kreditna kartica in 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=\"Ocena 4,8 od 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/sl\/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\">Ogled v trgovini Google Play<\/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: donos do 102% CDI-ja<\/h3>\n<p>PicPay zdru\u017euje ra\u010dun, kartice in izdelke za var\u010devanje denarja. Preverite trenutna pravila za obrestovana stanja in var\u010devalne ra\u010dune: datum za\u010detka obra\u010dunavanja zaslu\u017eka, obdav\u010ditev, rok in morebitni pogoji so prav tako pomembni kot ogla\u0161evani odstotek. Pla\u010dila s kartico in obroki so odvisna od upravi\u010denosti in lahko vklju\u010dujejo stro\u0161ke; ne izbirajte ra\u010duna izklju\u010dno na podlagi limita ali promocijske obrestne mere.<\/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 Bank: Kartica, Pix in + logotip\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">PicPay Bank: Kartica, Pix in drugo<\/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=\"Ocena 4,6 od 5\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/sl\/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\">Ogled v trgovini Google Play<\/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: izpla\u010da se \u017ee od prvega dne.<\/h3>\n<p>To je najvi\u0161je ocenjena kartica v skupini: 4,9 s 14 milijoni ocen. Stanje na kartici od prvega dne zaslu\u017ei do 105% obrestne mere CDI, brez minimalnega obdobja, \u010de je omogo\u010deno samodejno obra\u010dunavanje obresti. Kreditna kartica nima letne provizije in omogo\u010da obro\u010dno odpla\u010devanje do 18 obrokov v trgovinah Mercado Livre in partnerskih trgovinah. Provizija za dvig ni javno dostopna: pred dvigom preverite aplikacijo.<\/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: Digitalni logotip Banco\" 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=\"Ocena 4,9 od 5\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/sl\/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\">Ogled v trgovini Google Play<\/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: spodnja meja in karta, ki mejo pove\u010da.<\/h2>\n<p>Odobren ra\u010dun ne pomeni odobrene kartice. Ra\u010duni se izdajo skoraj vsem; kreditne kartice so posojila in so predmet analize. Neon in C6 na svojih obrazcih za vlogo napi\u0161eta \u201cpredmet analize\u201d, pravilo pa velja tudi za ostale \u0161tiri: tisti, ki \u0161e nikoli niso imeli kredita, obi\u010dajno prejmejo nizek za\u010detni limit, v\u010dasih sprva le debetno kartico.<\/p>\n<p>Odgovor digitalnih bank je kreditni limit, ki ga krije prihranjeni denar. Pri Nubank zajam\u010deni limit kot zavarovanje brezpla\u010dno uporablja stanje na var\u010devalnem ra\u010dunu Caixa ali obveznici Treasury Direct: prihranjenih 500 R$ postane 500 R$ kreditnega limita, denar pa se \u0161e naprej obrestuje. Pri Neonu Viracr\u00e9dito stori enako, za\u010den\u0161i z 10 R$, enim realom kreditnega limita za vsak prihranjeni real, kar aplikacija imenuje &quot;elasti\u010dna omejitev&quot;.<\/p>\n<p>Za pove\u010danje skupne kreditne omejitve aplikacije upo\u0161tevajo vedenje: pla\u010dilo celotnega ra\u010duna do datuma zapadlosti, mese\u010dno uporabo kartice, posodabljanje dohodka in naslova ter nezahtevanje pove\u010danja vsak teden. Zahteva se odda v aplikaciji, na zaslonu kartice.<\/p>\n<h2>Kako zaprositi za odprtje ra\u010duna<\/h2>\n<p>Vseh \u0161est aplikacij sledi istemu scenariju. Pripravite svojo brazilsko dav\u010dno \u0161tevilko (CPF), osebni dokument s sliko (na primer osebno izkaznico ali vozni\u0161ko dovoljenje), dokazilo o naslovu, \u010de ga aplikacija zahteva, in dobro osvetljen prostor za selfi.<\/p>\n<ol>\n<li>Aplikacijo prenesite iz trgovine Google Play ali App Store, nikoli prek povezave, prejete v sporo\u010dilu.<\/li>\n<li>Vnesite svojo CPF (brazilsko dav\u010dno identifikacijsko \u0161tevilko), polno ime, e-po\u0161to in telefonsko \u0161tevilko; aplikacija vam bo poslala kodo prek SMS-a.<\/li>\n<li>S samo aplikacijo fotografirajte sprednjo in zadnjo stran dokumenta.<\/li>\n<li>Posnemite selfi po kadriranju na zaslonu, brez son\u010dnih o\u010dal ali klobuka.<\/li>\n<li>Vnesite naslov in po\u010dakajte na pregled; aplikacija vas bo obvestila, ko se bo ra\u010dun odprl.<\/li>\n<li>Registrirajte klju\u010d Pix in omogo\u010dite obresti na svojem stanju, kjer niso samodejne.<\/li>\n<li>Ustvarite virtualno kartico in po \u017eelji zahtevajte fizi\u010dno.<\/li>\n<\/ol>\n<h2>Kako digitalne banke zaslu\u017eijo denar brez zara\u010dunavanja letnih provizij.<\/h2>\n<p>Brezpla\u010dni ra\u010dun je vstopna to\u010dka. Prihodki prihajajo iz drugih virov:<\/p>\n<ul>\n<li><strong>Menjalni te\u010daj<\/strong>Z vsakim nakupom, opravljenim s kartico, trgovina pla\u010da odstotek karti\u010dnemu omre\u017eju in banki izdajateljici. Zato vsaka aplikacija vztraja, da uporabite kartico.<\/li>\n<li><strong>Obresti na revolving kredit in obro\u010dna pla\u010dila<\/strong>Tabela Neon prikazuje mese\u010dne stro\u0161ke v vi\u0161ini 211 TP3T za revolving kredit, s skupnimi efektivnimi stro\u0161ki 920,151 TP3T na leto. Nepla\u010dan ra\u010dun v vi\u0161ini 1.000 R$ naslednji mesec postane 1.210 R$.<\/li>\n<li><strong>Osebno posojilo, posojilo za pla\u010de in posojilo FGTS (brazilski sklad za odpravnine zaposlenih).<\/strong>, ki je na voljo na za\u010detnem zaslonu \u0161estih.<\/li>\n<li><strong>Razlika med tem, koliko zaslu\u017eite vi s svojim stanjem na ra\u010dunu, in tem, koliko banka zaslu\u017ei z vlaganjem tega denarja.<\/strong>Zato Nubank izpla\u010da le denar, ki je neporavnan 30 dni, medtem ko Mercado Pago zahteva, da omogo\u010dite pla\u010dilo obresti.<\/li>\n<li><strong>Stro\u0161ki storitev<\/strong>Dvigi, v nekaterih primerih ban\u010dna nakazila in menjava valut pri mednarodnih nakupih (7% pri Neonu, plus IOF v vi\u0161ini 3,50%).<\/li>\n<li><strong>Provizija trgovine<\/strong>Inter Shop, PicPay Shop in Mercado Livre pla\u010dajo banki provizijo za vsako prodajo, vra\u010dilo denarja pa je del te provizije.<\/li>\n<\/ul>\n<p>Pla\u010devanje ra\u010dunov na obroke s kreditno kartico, ki jo PicPay ogla\u0161uje v do 36 obrokih in se pojavlja v drugih aplikacijah, je prav tako kredit z obrestmi in IOF (brazilski davek na finan\u010dne transakcije).; <a href=\"https:\/\/tikmobiles.com\/sl\/placujte-racune-na-obroke-prek-mobilnega-telefona\/\">Vodnik za pla\u010devanje ra\u010dunov na obroke z mobilnim telefonom.<\/a> Preden sprejmete ra\u010dun, vam ga poka\u017ee.<\/p>\n<h2>Je va\u0161 denar za\u0161\u010diten? FGC in pla\u010dilna institucija<\/h2>\n<p>Garancijski sklad za kredite krije do 250.000 brazilskih dav\u010dnih zavezancev (CPF) na institucijo ali finan\u010dni konglomerat na teko\u010dih ra\u010dunih, var\u010devalnih ra\u010dunih, potrdilih o vlogi (CDB), potrdilih o ban\u010dnem vlogu (RDB) in akreditivih. Pri Inter, ki je banka, teko\u010di ra\u010duni spadajo pod to pravilo. Pri Nubank spletna stran pojasnjuje, da je lahko depozit na RDB, ki ga izda Nu Financeira, s kritjem FGC, ali na pla\u010dilnem ra\u010dunu; pri Neonu CDB izda Neon Financeira.<\/p>\n<p>Ista skupina lahko posluje z banko, finan\u010dno institucijo in pla\u010dilno institucijo. Za\u0161\u010dita va\u0161ega denarja je odvisna od subjekta in pogodbenega produkta, ne od imena aplikacije. Za pla\u010dilne ra\u010dune je zakonsko dolo\u010deno lo\u010devanje sredstev, medtem ko lahko upravi\u010dene CDB in RDB krije FGC (brazilski sklad za zavarovanje vlog). Preberite pravila o identifikaciji in za\u0161\u010diti izdajatelja v dokumentaciji produkta.<\/p>\n<h2>Pogoste napake pri izbiri<\/h2>\n<ul>\n<li><strong>Odprite \u0161tiri ra\u010dune hkrati.<\/strong> Vsako odprtje ra\u010duna ustvari preverjanje kreditne sposobnosti, razporejeni denar pa ne dose\u017ee 30 dni, ki jih Nubank zahteva za obra\u010dunavanje obresti. Izberite enega za svojo pla\u010do in najve\u010d drugega za prihranke.<\/li>\n<li><strong>Verjeti oglasom, ki obljubljajo &quot;takoj\u0161njo odobritev kreditne kartice&quot;.<\/strong> V informativnem listu aplikacije pi\u0161e \u201cpodvr\u017eeno analizi\u201d. Kdor obljublja primerno kartico za vse, prodaja nekaj povsem drugega.<\/li>\n<li><strong>Vsak teden se umaknite.<\/strong> \u0160tirje dvigi pri Nubank stanejo 14000 realov, 26000 realov na mesec in 312 realov na leto. Pla\u010dajte z debetno kartico ali Pix in uporabite Pix Saque na tr\u017enici, ko potrebujete gotovino.<\/li>\n<li><strong>Pustite predstavo izklopljeno.<\/strong> Pri Mercado Pago se obrestovanje prejetega zneska za\u010dne le, \u010de je omogo\u010deno samodejno obrestovanje, pri Interju pa \u0161ele po prenosu na &quot;Porquinho&quot; (hranilnico).<\/li>\n<li><strong>Vnesite vrtenje.<\/strong> \u010ce pla\u010date le minimalni znesek na ra\u010dunu, aktivirate najdra\u017ejo razpolo\u017eljivo kreditno linijo. \u010ce ne morete pla\u010dati celotnega zneska, so obro\u010dna pla\u010dila v aplikaciji cenej\u0161a od uporabe mo\u017enosti revolving kredita.<\/li>\n<li><strong>Namestite aplikacijo prek povezave v sporo\u010dilu.<\/strong> \u201cPosodobitve\u201d, poslane prek SMS-a ali WhatsAppa, so prevare, namenjene kraji gesel. Pravilna pot je vedno prek uradne trgovine.<\/li>\n<\/ul>\n<p>Ko je ra\u010dun odprt in kartica v roki, je naslednji korak ugotoviti, kam gre denar vsak mesec; <a href=\"https:\/\/tikmobiles.com\/sl\/prihranite-denar-z-aplikacijami\/\">vodnik po aplikacijah za nadzor stro\u0161kov<\/a> Prikazuje, kako ustvariti prora\u010dun na podlagi izjave, ki jo digitalna banka \u017ee zagotavlja.<\/p>\n<h2>Pogosta vpra\u0161anja<\/h2>\n<h3>Ali moram predlo\u017eiti dokazilo o dohodku za odprtje ra\u010duna?<\/h3>\n<p>Za ra\u010dun potrebujete le: svojo brazilsko dav\u010dno \u0161tevilko (CPF), osebni dokument s sliko in selfi. Dohodek se upo\u0161teva pri analizi kreditne kartice in posojila, \u010de pa med registracijo navedete znesek dohodka, aplikacija la\u017eje dolo\u010di va\u0161o za\u010detno kreditno omejitev.<\/p>\n<h3>Kateri od \u0161estih je najbolj\u0161i kraj za pu\u0161\u010danje denarja v mirovanju?<\/h3>\n<p>Za vsako obdobje ni enega samega zmagovalnega ra\u010duna. Primerjajte efektivni odstotek, davke, promocijske omejitve, datum za\u010detka vra\u010dil in razpolo\u017eljivost za unov\u010denje. Za vi\u0161jo ponudbo je lahko potrebna naro\u010dnina ali vezava stanja. Preverite pogoje, prikazane za va\u0161 ra\u010dun, in se izogibajte sklenitvi pogodbe o izdelku, ki ogro\u017ea denar, namenjen za takoj\u0161nje stro\u0161ke.<\/p>\n<h3>Ali ima kreditna kartica brez letne \u010dlanarine kak\u0161ne skrite stro\u0161ke?<\/h3>\n<p>Letna \u010dlanarina je ni\u010d. Kar stane denar, je napa\u010dna uporaba kredita: revolving kredit, dvig gotovine s kreditno kartico in mednarodni nakupi, ki so obremenjeni z davkom 3,501 TP3T IOF in ban\u010dno razliko (Neon poro\u010da 7%). S pla\u010dilom celotnega ra\u010duna in nakupi v realih kartica postane prakti\u010dno brezpla\u010dna.<\/p>\n<p>Preden odprete nov ra\u010dun, preverite, ali va\u0161 trenutni \u017ee ponuja manjkajo\u010de funkcije: Pix (brazilski sistem takoj\u0161njih pla\u010dil), virtualno kartico, ciljno usmerjeno organizacijo ali dvig gotovine. \u010ce se odlo\u010dite za zamenjavo, preberite provizije in pogoje, opravite validacijo prek uradne aplikacije in aktivirajte vse razpolo\u017eljive za\u0161\u010dite. Za oceno osnovnih storitev vam ni treba vzeti posojila ali vlagati.<\/p>\n<h3>Ali odprtje ra\u010duna zagotavlja kreditno kartico?<\/h3>\n<p>Ne. Odobritev in kreditna omejitev sta odvisni od analize in pogojev produkta. Ra\u010dun, debetna kartica in kreditna kartica so razli\u010dne storitve.<\/p>\n<h2>Preberite tudi<\/h2>\n<ul class=\"tk-leia\">\n<li><a href=\"https:\/\/tikmobiles.com\/sl\/najboljse-aplikacije-za-vlaganje\/\">Najbolj\u0161e aplikacije za vlaganje: kako odpreti ra\u010dun in za\u010deti z malo denarja.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/sl\/placujte-racune-na-obroke-prek-mobilnega-telefona\/\">Pla\u010devanje ra\u010dunov na obroke prek mobilnega telefona: katere aplikacije to omogo\u010dajo in koliko obresti je vklju\u010denih?<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/sl\/aplikacije-za-vracilo-denarja-prejemajo-denar\/\">Aplikacije za vra\u010dilo denarja: kam gre vra\u010dilo denarja in koliko \u010dasa traja<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/sl\/prihranite-denar-z-aplikacijami\/\">Var\u010devanje z aplikacijami: kako ustvariti in upo\u0161tevati mese\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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