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Like everything else at Nubank, Nubank digital account was designed for everyone who wants transparent, simple banking services without abusive fees. It was created to redefine the way in which you manage your money. To fulfill this role, Nubank digital account:

— Has no annuity or maintenance fees;

— Automatically gives daily returns that are better than a savings account, from the moment you make a deposit;

— Offers free and unlimited transfers to any bank;

— Includes a card with a debit option so you can make purchases or cash withdrawals.

— Allows payment of power, water, and telephone bills, and even online purchases.

You don't have to undergo any kind of credit check to open a Nubank digital account. We only perform an enrollment analysis. Beyond that, our only requirements for customers are: being at least 18 years old, a resident of Brazil, having a regular CPF status on the Receira Federal Brasileira (the brazilian version of IRS) and a smartphone compatible with our app for Android (version 4.4 or higher) or iOS (version 10 or higher).

Your Nubank digital account has no annuity fees, and you won't pay anything to transfer your money to any other bank or to make deposits via bank deposit slips. You also pay nothing to receive or activate a card with the debit option.

Our customers can use any ATM in the Banco24Horas and Saque e Pague networks to make cash withdrawals. For every withdrawal, there will be a R$ 6.50 external network fee, which is exactly what we have to pay to use their networks. In other words, you only pay for it if and when you use it.

Our debit option is available to all digital account clients; however, it won't be automatically issued to our users. Anyone who wishes to have the debit option must request it through our app.

If you already own the new Nubank card model – issued in September 2018 – all you have to do is access 'Settings' and select 'Pedir função débito' (Request debit option). That's it! Your card is now ready to use with both credit and debit functions.

If you own the old Nubank card model or if you're not a Nubank credit card user, all you have to do is request a brand new card with the debit option. We will then issue your card with the debit option already activated.

To do so, you must access 'Settings', select 'Pedir função débito' (Request debit option), confirm your shipping address and that's it! Your card will now go under production.

Our customers can withdraw cash with the debit function at any ATM in the Banco24Horas or Saque e Pague networks. To find the closest ATM, go to https://www.banco24horas.com.br/para-voce/busca-banco24-horas or www.saqueepague.com.br/onde-encontrar.aspx.

It's important to note that there is a fee of R$ 6.50 for every withdrawal, regardless of the amount you withdraw or how often you make withdrawals. It should be mentioned that only customers who use the cash withdrawal service will pay this fee, and only when making a withdrawal.

You can choose between two deposit options in the Nubank digital account: the "Payment Account" or "RDBs." No matter which option you choose, besides having daily returns that are better than a savings account, you will have a deposit considered as low risk.

If you choose the "Payment Account", the money deposited is kept separate from Nubank's assets and can only be used for investing in federal public notes. That's why, in this case, Nubank digital account's risk is considered similar to a Direct Treasury account -- a fixed income, post-fixed account backed by the government -- and requires no other guarantees, such as FGC (the brazilian version of FDIC). Find more about payment account using this link.

However, standard deposit option in Nubank digital account is deposit in RDB. In this option, your deposit will be used to purchase RDB securities issued by NuFinanceira, Nubank's financial company. RDBs can be both guaranteed by FGC or be linked to Government Securities issued by the Federal Government. You can learn more about RDB using this link.

The most accurate term to define Nubank digital account is "Payment Account." This is because Nubank is a payment services institution and not a bank. For the same reason, our card with the debit option is not technically a debit card, because, despite offering the same functionally, a true debit card can only be offered by a bank and connected to a deposit account.

Find more about "Payment Accounts" using this link.

We are a 100% digital company, but we understand that hard cash is still important to some of our customers. For this reason, we have made the cash withdrawal service available to our customers using the infrastructure of partner companies, which includes the Banco24Horas and Saque e Pague networks.

Using this external networks incur a cost. The amount charged goes toward covering the costs of providing the service, such the cost of secure money transportation services, rent for the space where the ATMs are installed, and the cost of the ATMs' technical maintenance, in addition to the internal operational costs of making this function available.

At the present time, this fee is the only way we have found of making this service available to everyone without imposing limitations or charging for services that we think are more important to our customers in the long run.

This way, we are able to keep all of Nubank digital account's features that have already attracted more than 4 million customers: an annuity-free account with automatic returns better than a savings account, free and unlimited (TED) transfers to any bank, and a payment card with a free debit function.

We are against charging you to manage your own money. Since we use 100% digital channels and we cut bureaucracy and red tape to a minimum, we can pass on to you only savings, rather than costs. The only fee we have for the Nubank credit card is for membership in the Nubank Rewards benefits program. In contrast to most other cards, this fee is optional and allows us to offer you even more benefits to help you optimize your life.

The Nubank credit card was designed for everyone who wants a simple and transparent experience when it comes to managing their expenses. Our only requirements for customers are: being at least 18 years old, a resident of Brazil, having a regular CPF status on the Receira Federal Brasileira (the brazilian version of IRS) and a smartphone compatible with our app for Android (version 4.4 or higher) or iOS (version 10 or higher). Everyone interested in having a Nubank card undergoes an enrollment evaluation and a credit check.

You will receive the Nubank Mastercard® credit card, which is accepted at more than 30 million establishments around the world and offers access to the benefits of the Mastercard® brand.

In addition to simple and transparent control of your expenses in real time (with no fees or annuity), you can also get discounts for paying your installments early. On the app, you can even block and unblock your card, request a credit limit increase, and change the due date of your bill. Learn more about each functionality and their respective terms on our home page. The Mastercard® brand also offers many benefits to our customers. Check them out:

- Benefits of the MasterCard brand

- Access to a MasterCard® Surpreenda membership, which allows you to earn points with every purchase.

The waiting list for the Nubank credit card is over! We changed our approval process and eliminated the waiting list. Previously, people applying for the credit card could either be approved right away or join a list where they could receive an invitation within 3 months or be denied and have to wait 6 months to apply again. Now, everyone who signed up to be a Nubank customer will receive access to the digital account and we will do an enrollment analysis and credit review. If approved, they will also receive an invitation to the credit card. Want to know more about our analysis model?

Our analysis is based upon information available on public databases and on our own internal criteria and objectives. This generates an internal score that lets us determine which user profiles best meet our operational capacity at this time.

The minimum score for approving an application may vary according to the profiles of all who applied for the card in the same period. Furthermore, new data and sources of information are constantly added to our analysis models, which can influence the scores. But don't worry, we don't do credit risk analysis for other companies. Our operations have nothing to do with "credit scoring" and therefore, not receiving an invite for a Nubank card does not mean that you have a pending issue under your name or a "bad" credit score. Want to know more about our analysis model?

We try to understand what purchases are of most interest to all of our users and, in order to be able to offer more benefits, we decided to focus on a few categories and services, such as restaurants, Netflix, Uber, Amazon, iFood, music streaming services, and any hotel or airline. Find more about the program and get to know all the partners at our blog.

Like everything at Nubank, we worked hard to create a program that is simple, fair, and transparent. Rewards was designed for everyone who, like us, is tired of complex programs in which points are always expiring and members have to decide where to transfer their points when it comes time to redeem them.

With Nubank Rewards you accrue points in real time, and they never expire. What's more, instead of accruing points in dollars, like most other programs, here at Nubank Rewards, every 1 Brazilian Real spent is equal to 1 point, thus avoiding confusing conversions.

You can use these points to erase purchases made from any hotel or airline company or network in the world. Or, if you prefer, you can use your point at one of our partners in the "Extras" category, such as providers of the digital services everyone loves, a few subscriptions, and trips with Uber, for example.

And even better, you can do all this directly on your Nubank app, without having to transfer points or use any other app or website. You make a purchase on your credit card and then use your points to erase the purchase from your bill on the app. It's that simple.

Yes! On the home screen click on your name and then on "Configurar Rewards" and select "Cancelar Assinatura". The points you've accrued will be cancelled with your membership, so we recommend you use them before leaving the program. Remember that you can return to the program whenever you want. Just tap the Nubank Rewards icon on the app's home page and sign up again! But this time you won't get 30 days free.

Nubank is a startup developing simple, secure, and 100% digital solutions so you can have control over your money, literally in the palm of your hand.

Good question!. With the credit card we make money two ways: When a customer makes a purchase with the credit card, the establishment where they make the purchase pays us a small percentage of the amount through the Mastercard network; and when a customer decides to pay part or all of their bill in installments, we receive interest, even if it's below market interest rates. We also profit from the interest paid in the lending operations.

Here at Nubank we use direct mail as a communication channel with people that eventually could be interested in our products. To send these mails we made a partnership with Boa Vista, a data bureau that gathers informations from brazilian consumers. Aiming for data protection, in this process Nubank does not have access to any private information and does not interferes in credit score. To stop receiving Nubank's Direct Mails you only have to acess sou.nu/transparente and type your CPF. This information won't be stored and will be solely used to guarantee the interruption of mail sending.

It is a business account and, just like everything else at Nubank, was created to simplify people's lives -- in this case small business owners, entrepreneurs, and self-employed professionals. It is a payment account with features that are similar to that of Nubank digital account, but designed specifically for businesses.

Our business account has the goal of simplifying the relationship these small business owners, entrepreneurs, and self-employed professionals have with financial services, and helping them focus on what they really think is important. To meet this goal, the business account:

- Charges no annuity or maintenance fees;

- Offers free and unlimited transfers to and from Nubank digital accounts, at any time;

- Offers free and unlimited transfers to any bank;

- Allows customers to pay regular bills, like power or telephone bills, as well as make online purchases;

- Allows customers to pay business taxes and fees;

Allows customers to send payment information to their own customers.

You can open your account directly through the app, clicking in the Settings icon and then in the "Conta PJ" option. The business account is only available for Nubank customers who are the single owners of their businesses

We are not charging annuity or any other fees from those testing Nubank business account. Our goal, at this time, is to find out how we can offer the best experience to our business customers.

Business and personal account are different products. Both are managed on the same app, but are geared toward different audiences.

Nubank digital account, or personal account, is a payment account service for private individuals to earn interest on their money and centralize their personal transactions. Therefore, Nubank digital account has no annuity fee and gives customers a better daily return than savings accounts, while letting them access their money whenever they need, without having to worry about losing the returns they've already gained. Customers can make transfers and payments in real time and monitor the return on their money directly on the app.

The business account is a new product and one geared toward businesses, or rather, business owners. One of the main difficulties of running a small business is managing cash flow (money that goes in and out), so Nubank business account was created to help people do this by separating their business and personal transactions. Our business account has no annuity fee and offers a variety of ways to transfer money and make and receive payments, in order to meet the needs of small business owners, entrepreneurs, and self-employed individuals.

The account is available for small business owners who are sole proprietors, individual entrepreneurs, and self-employed professionals who are Nubank customers (with a credit card or digital account).

We are working to expand the types of customers that can use the product.