Inter Bank and Nubank: which is the best choice for your digital account?

When opening a digital account, it's important to choose a bank that meets your needs and is attractive. Today, we'll compare Banco Inter and Nubank, two of Brazil's leading digital banks, to help you choose the best option for you.

Let's compare the two banks based on the following criteria: fees, services, credit card offerings, investment options, app, and security. Check out our analysis:

• Which bank charges fewer tariffs? 👈
• Which bank offers more services? 👈
• Which bank offers a best credit card? 👈
• Which bank has the best investment options? 👈
• Which bank has the best app? 👈
• Which bank is the safer? 👈
  
• As open an account at Nubank? 👈
• As open an account at Banco Inter? 👈

Which bank charges fewer fees: Nubank or Inter?

One of the main concerns for those looking to open a digital account is the cost of fees. In this analysis, we'll compare which of the two banks charges the lowest fees.

Banco Inter Fees

• No account maintenance fee
• No TED fee charged
• Charges a fee of R$ 5.90 from the 5th monthly withdrawal

Nubank Fees

• No account maintenance fee
• No TED and DOC fees
• Withdrawal fee of R$ 6.50

When it comes to fees, the two banks are quite similar. Neither account has account maintenance or TED/DOC fees. However, Nubank's account has an advantage over Inter's because it doesn't charge an ATM withdrawal fee.

Which bank offers more services: Nubank or Inter?

Besides fees, another important factor to consider when choosing a digital bank is the range of services offered. Let's compare the services offered by Inter and Nubank.

Services offered by Banco Inter

• Possibility of opening an account free of charge
• Possibility of loans
• Possibility of investments
• Payments and transfers
• Deposits
• Debit card included, Credit Card (subject to analysis)

Services offered by Nubank

• Possibility of opening an account free of charge
• Possibility of loans
• Possibility of investments
• Payments and transfers
• Deposits
• Debit card included, Credit Card (subject to analysis)

Both Banco Inter and Nubank accounts offer the same basic options, such as the ability to open an account at no cost, loans and investments, payments and transfers, and deposits.

Which bank offers a better credit card: Nubank or Inter?

One of the main advantages of opening a digital account is the possibility of obtaining a credit card. Let's compare the credit card offers from Inter and Nubank.

Banco Inter Credit Card Information

• Offers credit card with limit of up to R$1,000,000
• Possibility of increasing the limit with a loyalty program
• No annual fee

Nubank Credit Card Information

• Offers credit card with limit of up to R$1,400,000
• Possibility of increasing the limit with a loyalty program
• No annual fee

Both offer credit cards with no annual fee and the option to increase the limit through a loyalty program. However, Nubank offers higher limits, up to R$$20,000, while Inter offers limits up to R$$10,000. This can be an important factor for those who need a higher limit.

Which bank has the best investment options: Nubank or Inter?

Investing is a great way to make your money grow. Let's compare the investment options offered by Inter and Nubank.

Information about investments in Banco Inter

• Offers applications in CDB, LCI, LCA, Direct Treasury, Investment Funds, Shares and Others
• Management fee: varies depending on the investment

Information about investing in Nubank

• Offers applications in CDB, LCI, LCA, Direct Treasury, Investment Funds, Shares and Others
• Management fee: varies depending on the investment

The investment options offered by both banks are very similar, including CDBs, LCIs, LCAs, Treasury Direct, Investment Funds, and Stocks. The management fee is also similar at both banks, varying depending on the investment chosen. Therefore, the investment options are quite similar between the two banks, and the choice may depend on other factors, such as the ease of use of the investment platform.

Which bank has the best app: Nubank or Inter?

The bank's app is essential for managing your account and making transactions quickly and easily. Let's compare the ease of use and features of the Inter and Nubank apps.

Banco Inter App

• It has an intuitive and easy-to-use interface
• Possibility of account and transaction management
• Possibility of blocking and unblocking the card
• Possibility of checking balance and statement
• Possibility of payments and transfers

Nubank App

• It has an intuitive and easy-to-use interface
• Possibility of account and transaction management
• Possibility of blocking and unblocking the card
• Possibility of checking balance and statement
• Possibility of payments and transfers

The Inter and Nubank apps are quite similar in terms of ease of use and features. Both accounts offer the ability to manage accounts and transactions, block and unblock cards, check balances and statements, and make payments and transfers.

Which bank is safer: Nubank or Inter?

The security of your money is paramount. Let's compare the security and fraud protection measures offered by Inter and Nubank.

Information about Banco Inter's security

• Uses end-to-end encryption to protect your information
• Possibility of two-factor authentication
• Possibility of blocking and unblocking the card
• Possibility of reporting fraud through the app

Nubank Security Information

• Uses end-to-end encryption to protect your information
• Possibility of two-factor authentication
• Possibility of blocking and unblocking the card
• Possibility of reporting fraud through the app

Again, both Nubank and Banco Inter offer similar security and fraud protection measures, including end-to-end encryption to protect your information, two-factor authentication, card locking and unlocking, and the ability to report fraud through the app. Therefore, choosing between the two banks may depend on other factors, such as the location of your branch or customer service.

How to open a Nubank account

Opening a Nubank account is easy! The process is entirely online and free. To open a Nubank digital account, just follow these steps:

1. Download the Nubank app on your smartphone.
2. Open the app and click “Open Account” on the home screen.
3. Fill in the required personal information, such as full name, date of birth and CPF.
4. Choose a password for your account and read the terms and conditions.
5. Take a photo of your ID and a selfie of yourself using the app.
6. Please wait for your account to be verified and approved. This may take a few days.
7. Once your account is approved, you can use the app to make financial transactions like payments, transfers, and more.

How to open an account at Banco Inter

Just like Nubank, Banco Inter makes opening an account much easier, ensuring it's online and free. To open a digital account at Banco Inter, follow these steps:

1. Download the Banco Inter app on your smartphone.
2. Open the app and click “Open Account” on the home screen.
3. Fill in the required personal information, such as full name, date of birth and CPF.
4. Choose a password for your account and read the terms and conditions.
5. Take a photo of your ID and a selfie of yourself using the app.
6. Please wait for your account to be verified and approved. This may take a few days.
7. Once your account is approved, you can use the app to make financial transactions like payments, transfers, and more.
8. After opening the account, you must validate the account, which can be done through a transfer from another account or by bank slip.
9. Once your account is validated, you will be able to use all the features offered by the bank.

Inter or Nubank: Which one to choose?

Choosing between Banco Inter and Nubank can be difficult, as both offer a number of advantages and disadvantages. Overall, both banks offer low fees, similar services, and equivalent investment and security options.

However, your choice should be based on your personal needs and preferences. It's important to research and compare options before making a decision and ensure that the bank you choose meets your financial needs.