Like everything else at NuCinterfi , NuCinterfi 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, NuCinterfi 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.

Your NuCinterfi 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 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 NuCinterfi 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, NuCinterfi 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 NuCinterfi digital account is deposit in RDB. In this option, your deposit will be used to purchase RDB securities issued by NuFinanceira, NuCinterfi '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.

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 NuCinterfi 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 NuCinterfi does not have access to any private information and does not interferes in credit score. To stop receiving NuCinterfi'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.