Updated on: October 3, 2026
Choosing a digital bank can change the way we manage our money. These banks typically offer less red tape, credit cards with no-annual-fee options, and services with reduced or no fees. In this article, we present six digital banks in Brazil, offering features such as fee-free withdrawals under certain conditions, account interest (which, in some cases, can exceed that of a savings account), international cards, and much more. This way, you can determine which digital bank best fits your needs.
Let's compare online banking, digital accounts, branchless banking, and fintech companies. We'll explore the strengths of each and how to choose the one that's right for you.
Update: Will Bank, which was included in previous versions of this article, had its out-of-court liquidation ordered by the Central Bank on January 21, 2026, and ceased operations in the country. As a result, it has been removed from the list.
Technology has transformed the banking sector, bringing digital banks to Brazilians. They offer a simple and modern alternative to the major banks. But what are the main digital banks in the country? And why switch from a traditional account to a digital one?
If you're looking for convenience, savings, and benefits, this article can help. Read it carefully and choose the digital bank that best fits your financial situation.
Neon
A Neon It started out as a fintech company and is now a digital bank. It offers, in a digital account, a international credit card with no annual fee, which can be used online and abroad, and free and unlimited transfers.
The balance in your account can earn you interest up to 113% of the CDI with daily liquidity. The interest rate is tiered based on how long the money remains in the account. Neon also offers a 0.5% cashback program on debit and credit purchases, with an optional subscription fee of R$ 4.90 per month. Before signing up, check the official website for the current terms and conditions regarding the card, interest rates, and cashback, as these are subject to change.
Sofisa Direct Bank
O Sofisa Direct Bank It was named the best bank in Brazil in 2023 by Forbes, in partnership with Statista, and remained on the magazine's list of the world's best banks in 2025. It offers a free digital account and a no annual fee credit card.
It stands out for offering a variety of investments, which may be of interest to those who want to avoid the higher fees charged by traditional banks.
Your digital account It offers benefits such as a higher return than a savings account (depending on the bank's terms) and up to 4 free withdrawals per month. As a result, it can be a cost-effective alternative for your expenses.
Inter Bank
O Inter Bank It is one of the best-known digital banks in Brazil. Its digital account offers several benefits, including no account maintenance fees.
In addition, the Inter Bank offers a credit card No annual fee. When you use the card, you earn points that can be redeemed for airline miles, products, or discounts at partner stores.
Transfers in Inter Bank They are free and unlimited. The cards come in four different categories, each with exclusive benefits through the Mastercard Surpreenda program. And when you shop at Inter Shop, you get a portion of your purchase amount back.
With these advantages, Banco Inter may be a good option for those looking for convenience and savings, depending on their usage profile.
PAN Bank
O PAN Bank It shifted its focus and became a digital bank. Today, it offers a free digital account, credit cards with no annual fee and unlimited transfers. The highlight is the Méliuz card, which offers cashback—a refund of a portion of the amount spent.
For those who need credit, the PAN Bank also offers loans and financing. In these cases, it is important to compare interest rates and the Total Effective Cost (TEC) before signing a contract.
By bringing together bank accounts, cards, and credit in one place, Banco PAN can offer convenience to those who prefer to consolidate their finances.
C6 Bank
O C6 Bank It is a digital bank with a wide range of services. It offers digital checking accounts and credit cards. The bank stands out for its investment platform, which allows you to choose from various options, ranging from Bank Deposit Certificates (CDBs) to investments abroad. With the digital checking account, you get unlimited transfers and can make withdrawals at Banco24Horas ATMs, with four free withdrawals per month.
The digital payment account of the C6 Bank It has a monthly fee of R$ 10, which may be waived according to the bank’s rules. After using the four free withdrawals for the month, each withdrawal costs R$ 6.50. Basic cards (C6 and C6 Mastercard Platinum) have no annual fee. Higher-tier cards, however, do charge a fee; for example, the C6 Carbon Mastercard Black charges 12 installments of R$ 98, which can be waived based on spending on the statement (starting at R$ 8,000 per month) or for investments with the bank (starting at R$ 50,000). Therefore, it’s worth checking the costs before signing up.
A good app is essential for a digital bank. In the case of C6 Bank, its ratings in the app stores are 3.2 on Android and 4.7 on iOS.
In short, C6 Bank may be a good option for those looking for a digital account with an investment platform who want to manage their money conveniently. If you want to invest or need a credit card, it’s worth comparing the fees and fee-waiver conditions with those of other banks before making a decision.
Next
O Next It is Bradesco's digital banking brand. It is no longer an independent company and now operates as a division of the bank, under the same CNPJ. It offers a digital account with credit card with options that don't have an annual fee e points program.
The program lets you earn points on purchases and redeem them for rewards. Next also offers unlimited transfers and payments, which may be an option for those looking for a digital account with the structure of a traditional bank.
Digital Banking Comparison
Comparing digital banks helps you choose the one that best fits your profile. Look at criteria such as account costs and fees. Also consider the account’s interest rate, the investments and the bank's services. Below is a summary of each bank:
Neon:
Yield: up to 113% of the CDI, with daily liquidity
Card: international, no annual fee
Transfers: free and unlimited
Cashback: 0.5% (optional subscription of R$ 4.90/month)
Sofisa Direct Banking:
Free digital account
4 free withdrawals per month
Card: no annual fee
Banco Inter:
4 free withdrawals per month
Good rating on Reclame Aqui between 7 and 8
App ratings: Android (4.8), iOS (4.7)
PAN Bank:
Free digital account
Card: No annual fee (Méliuz with cashback)
Credit: Loans and Financing
C6 Bank:
Digital Payment Account Fee: R$ 10/month (may be waived)
Global Account Fee: US$ 10
Card Annual Fee: zero for basic cards; Carbon Black at 12 monthly payments of R$ 98, with a waiver based on spending or investments
Next (Bradesco):
Card Annual Fee: from zero to R$ 49.00/month (or R$ 45.05, depending on the sign-up date)
Free option with the International version of the card
By analyzing these points, you’ll be able to identify the digital bank that best suits your needs. Also consider benefits such as bonus points, account interest, and other financial services.
What is a Digital Bank?
A digital bank operates exclusively online, without physical branches. It offers most of the services of a traditional bank, such as opening an account, using credit card and transfers.
The main advantage of a digital bank is that you can do everything on your cell phone, without having to go to the bank in person.
Another advantage is the ability to avoid high fees. Many of these banks do not charge a fee to keep the account open.
These banks also offer benefits to customers. Neon, for example, offers interest of up to 113% of the CDI on account balances and has a 0.5% cashback program, subject to current terms and conditions.
In some cases, it’s also possible to withdraw cash without paying a fee. Sofisa Direto allows four free withdrawals per month. Banco Inter offers free withdrawals at Banco24Horas ATMs.
In addition to the financial benefits, digital banking apps are usually easy to use. You can quickly make transfers and pay bills right from your cell phone.
Digital banks offer a more modern and convenient way to manage money and are becoming increasingly popular among Brazilians.
Advantages of Digital Banking
Digital banks differ from traditional banks in several ways. They allow you to do everything on your cell phone, and fees are usually lower or nonexistent, which makes their services more accessible. The digital format also saves time by eliminating the need to wait in line at physical locations. In addition, you can get cards with no annual fees and earn points.
- A ease of use It's one of the strengths of digital banks. Using your cell phone, you can handle many financial matters—such as paying bills, investing, or applying for loans—without leaving home.
- The low fares or free services are a major draw. While traditional banks usually charge more, digital banks tend to charge less. Maintaining an account, making withdrawals, and transferring funds may incur low or no fees.
- A practicality Not having to go to a physical branch makes a big difference. Handling financial matters is simpler and faster: all you need is an internet connection, whether at home, at work, or wherever you are.
- The exclusive benefits are also important. Credit cards with no annual fee and rewards programs can make everyday life easier, and the points can be redeemed for products, services, or cash back.
Given these advantages, many Brazilians are turning to digital banks, which combine ease of use, cost savings, convenience, and exclusive benefits. If you’re looking for a more convenient way to manage your money, it’s worth considering this option.
How to Choose a Digital Bank
Choosing the right digital bank is important for your financial life. To do so, consider a few points.
- Fees and charges: Check to see if there are any maintenance fees or charges for services such as cash withdrawals.
- Account earnings: See how much your money will earn in the digital account. For example, the Neon It offers a return of up to 113% of the CDI, depending on how long the balance remains in the account.
- Benefits of credit card: Check to see if the digital bank offers a card with no annual fee and what the benefits are, such as rewards programs.
- Service availability: Consider the services the bank offers, such as investments and loans.
- Practicality and ease of use: Try out the app and see if it's easy to use in your daily life.
By understanding these criteria, you'll be able to choose the digital bank that best meets your needs. Compare the options and see which one best fits your profile.
Digital Banking for Under 18s
Some digital banks offer accounts for people under 18. With these accounts, young people can use services such as cards and make payments, always under their parents' supervision. They can also learn about personal finance and, in some cases, have access to benefits.
O Inter Kids Here's an example. It's from Banco Inter, and it offers a debit card and a fee-free checking account for young people.
O Nubank Nubank offers an option for teens teenagers. They can use Pix and have cards, all linked to their parents' account.
In Mercado Pago, teens ages 13 to 17 can open an account. They can use Pix without paying fees, but they cannot invest or take out loans loans.
O C6 Yellow, from C6 Bank, is designed for children ages six months to 17. Parents manage the account and receive alerts about spending. There are also investment options.
O NextJoy, from the Next (Bradesco) is designed for children and teenagers up to age 17. It includes financial education, and parents control how the money can be used.
Each bank has different rules. Some allow teenagers to use only certain services, such as credit cards and investments.
To open an account, you must present documents such as the child's ID card and CPF. In some cases, the parents must already be customers of the bank.
“The digital banking for under-18s are a chance to learn about money early on. Parents accompany and help. The accounts teach them how to use money well, safely and responsibly.”
Read on: Discover and compare 5 digital account options for children under 18.
Digital Banking for the Negative
It is possible to open a digital account even if you have a poor credit history. Some digital banks allow this, and you can use services such as deposits and payments.
These accounts can help people who need to get their finances in order. A poor credit history isn't always a barrier to opening an account, but approval for a credit card or loan usually requires a review by the bank.
If you plan to take out a loan, it’s important to compare interest rates and the Total Effective Cost (TEC) before signing the contract, since loans for borrowers with poor credit may come with higher costs.
“Even if you have bad credit, you can open a digital account with some digital banks. These accounts offer essential banking services such as deposits, withdrawals and payments, regardless of your credit history.”
One example is the BMG Bank, which allows individuals with poor credit histories to open digital accounts and, according to available information, does not check credit bureaus (such as SPC and Serasa) when opening a basic account. The approval of conventional credit cards or loans depends on the bank’s internal review. For retirees, INSS pensioners, and civil servants with poor credit histories, BMG also offers a payroll-deductible credit card, where the minimum payment is deducted directly from their paycheck.
A Superdigital, which was also mentioned as an option, ceased operations on November 18, 2024, and no longer offers accounts or cards. Anyone who still has an unclaimed balance in their old account can check and claim the funds through the Central Bank’s Receivables System (SVR).
Each digital bank offers its own benefits and rules for people with bad credit. So do your research and see which one best suits your needs.
“It's important to note that each digital bank offers different benefits and advantages for people with credit card debt.”
Digital banks expand access to banking services for people with a history of debt, allowing them to manage their finances with greater independence. Compare your options and evaluate the costs before opening an account.
Conclusion
When analyzing the digital banks in Brazil, it's clear that each one has its own benefits. Choosing the right digital bank depends on your needs, your goals, and your usage profile.
Before making a decision, compare banks: look at their services, fees, card benefits, and the quality of their app. Some, such as C6 Bank, charge a monthly account fee (with the possibility of a waiver) and offer an investment platform; others have accounts with no maintenance fees. Also check the Central Bank’s complaint rankings, which are updated periodically.
Everyone has different needs. So, carefully review all your options and choose the digital bank that best fits your needs.
Notice: This content is for educational purposes only and does not constitute personalized advice regarding investments or the purchase of financial products and services. The choice of a digital bank or an investment depends on each person’s profile, goals, and time horizon. Fees, returns, and other terms are subject to change without notice, so always check the official website of each institution for the most up-to-date information. Past performance is not a guarantee of future results, and all investments involve risks—such as credit, liquidity, and market risks—and may result in a loss of principal.
FAQ
Q: What are the 6 digital banks featured in this article?
A: The 6 digital banks The ones presented are: Neon, Sofisa Direct Bank, Banco Inter, Banco PAN, C6 Bank and Next.
Q: What is Neon?
A: Neon is a digital bank. It offers a full-service account, international credit card No annual fee and a yield of up to 113% of the CDI, subject to current terms and conditions.
Q: What is Banco Sofisa Direto?
A: O Sofisa Direct Bank It offers a free digital account. It also offers no annual fee credit card and various ways of investing.
Q: What is Banco Inter?
A: Banco Inter is a digital bank that offers an account with no maintenance fees. With it, you have a no annual fee credit card and you can earn points that can be redeemed for rewards, such as miles.
Q: What is PAN Bank?
A: Banco PAN is a bank that has shifted its focus to digital banking. It offers free digital accounts and credit cards with no annual fees. It also provides loans and financing.
Q: What is C6 Bank?
A: C6 Bank is a full-service digital bank. It offers a digital checking account (R$ fee of 10 per month, with the possibility of a waiver) and credit cards, with no annual fee on the basic plans. It has a platform for investments with many options, including investments abroad.
Q: What is Next?
A: Next is Bradesco's digital banking brand, which operates as a division of the bank itself, under the same CNPJ. It offers an account with a debit card that includes an option with no annual fee and points program.
Q: What should I consider when choosing a digital bank?
A: Consider the fees, interest rates, and card benefits. Also look into investment and loan options, the services offered, and whether the bank's app is easy to use.
Q: What is a digital bank?
A: A digital bank only works online. It doesn't have physical branches. You can do everything online, such as opening an account, using cards, making transfers and investing.
Q: What are the advantages of digital banking?
A: Digital banks are easy to use and often have lower or no fees. They’re convenient, offer cards with no annual fees, and let you conduct transactions via your cell phone, without having to wait in line at physical branches.
Q: Do digital banks offer accounts for under-18s?
A: Yes, several digital banks have accounts for under-18s. With them, young people can use cards, make transfers and payments. All controlled by parents or guardians.
Q: Can I open a digital account even if I'm unemployed?
A: Yes, with some digital banks, you can open an account even if your CPF is subject to restrictions and still have access to services such as deposits and payments. However, approval for credit cards and loans usually depends on the bank’s review.
Q: How can I compare digital banks?
A: Compare each bank's fees, interest rates, investment options, and credit cards, and choose the one that best fits your profile.
Source links
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