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THE fintech Brazilian bank Nubank has been gaining more and more followers thanks to its technological innovations. One of them allows you to open a digital account without the need for a credit card, offering advantages such as credit card no annual fees, debit payments and no maintenance fees or charges.
In addition, anyone with a Nubank account can make free transfers via TED, payments via Pix or bills and even top up your cell phone with your credit card.
Prerequisites for opening an account at Nubank
Before opening an account with Nubank, you must:
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- Be over 18 years old;
- Be a resident of Brazil;
- Have a smartphone compatible with the Nubank app (Android 5.0 or higher/iOS 12.0 or higher);
- Valid CPF;
- Valid ID (front and back);
- Updated proof of residence (electricity, water, telephone bill, etc.).
How do I open a Nubank account using my cell phone or computer?
The account opening process can be done either through the application available for Android or iOS, such as through the computer, through the Nubank website.
In both cases, the process is similar, requiring you to provide personal information such as your CPF and accept the fintech's privacy policy.
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And after the request, what happens?
After the account opening request, Nubank performs a registration analysis. The company informs that this is not a credit analysis, so even people with negative credit ratings can have a digital account with the fintech.
The process usually takes about five business days to complete, but this may vary. Confirmation is sent to the email address that was registered.
Is the Nubank account a checking account?
No, in fact the digital account is described by the company as a “payment account”. This allows the customer to make investments in Federal Public Securities, thus ensuring that the balance is always profitable.
With a Nubank account, in addition to not having to pay an annual fee or maintenance fee, there are free and unlimited transfers to any bank, a debit card and the possibility of paying bills and making purchases online.
Is there a Nubank account for legal entities?
Yes, there is a version of Nubank for legal entities. To open an account, simply:
- Being a managing partner of the company;
- Have a valid CNPJ;
- Have a smartphone compatible with the Nubank app (Android 5.0 or higher/iOS 12.0 or higher).
Account opening process:
- Visit the website of Nubank:
- Click on “Request a business account”.
- Enter your company's CNPJ.
- Enter your CPF and email.
- Create a password.
- Follow the on-screen instructions to complete account opening.
Required documents:
- Company Articles of Association;
- Proof of company address;
- Driver's license or ID of the managing partner.
Tips:
- Have the necessary documents on hand;
- Fill in the data correctly;
- Wait for Nubank to get back to you.
Important:
- Opening an account is free;
- Nubank is a digital bank, meaning it does not have physical branches.
Image: Disclosure
