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Perfil completo05/07/2025
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Sicredi is a cooperative financial institution, the first in Brazil and Latin America. It was founded in 1902 in Linha Imperial, Nova Petrópolis, Rio Grande do Sul, by Swiss priest Theodor Amstad.
Sicredi is made up of a system of credit unions, operating in 26 states and the Federal District, with more than 2,500 branches and more than 6 million members.
But do you know if Sicredi is safe? Read our review by reading this article to the end!
Is Sicredi safe?
Given the issue raised in this topic, we can confidently state that Sicredi is a highly secure banking institution. This conclusion is the result of a thorough analysis of several criteria that provide a comprehensive overview of the institution and highlight its distinctive characteristics.
To assess the bank's security, it is essential to carefully examine the following aspects:
- Regulation and Deposit Protection: It's essential to verify that the bank is properly regulated by a competent financial authority, such as the Central Bank of Brazil, and that it offers robust deposit insurance to protect customer funds.
- Reputation and Financial Stability: The bank's reputation, financial stability, and track record should be thoroughly analyzed. Ensuring the bank is transparent about its rates and fees builds customer trust.
- Online Security Measures: Evaluating online security measures is extremely important, as protecting customers' personal and financial information is a top priority. Furthermore, the quality of customer service and the bank's financial health also play a crucial role.
- Asset Diversification and International Connections: The institution's asset diversification and international connections may indicate its ability to weather financial challenges. Consulting credit rating agencies can also provide additional information.
After completing the analysis of these elements, it is absolutely clear that Sicredi is, indisputably, a safe choice for customers.
Is Sicredi regulated by the Central Bank of Brazil?
Given the issue raised in this topic, we can confidently state that Sicredi is a highly secure banking institution. This conclusion is the result of a thorough analysis of several criteria that provide a comprehensive overview of the institution and highlight its distinctive characteristics.
To assess the bank's security, it is essential to carefully examine the following aspects:
- Regulation and Deposit Protection: It's essential to verify that the bank is properly regulated by a competent financial authority, such as the Central Bank of Brazil, and that it offers robust deposit insurance to protect customer funds.
- Reputation and Financial Stability: The bank's reputation, financial stability, and track record should be thoroughly analyzed. Ensuring the bank is transparent about its rates and fees builds customer trust.
- Online Security Measures: Evaluating online security measures is crucial, as protecting customers' personal and financial information is a top priority. Furthermore, the quality of customer service and the bank's financial health also play a crucial role.
- Asset Diversification and International Connections: The institution's asset diversification and international connections may indicate its ability to weather financial challenges. Consulting credit rating agencies can also provide additional information.
After completing the analysis of these elements, it is absolutely clear that Sicredi is, indisputably, a safe choice for customers.
How can I check if a bank is registered with the Central Bank of Brazil?
Learn how to find out Sicredi's rating from the Central Bank of Brazil and how a bank is regulated:
- Click here to go directly to the Central Bank of Brazil website.
- Access the “Conglomerates” tab to search.
- If the bank you want isn't there, look under “institutions”.
- In the search bar, type the name of the bank in question.
- A list with the bank's name will appear. Simply click on it to access the information you need.
Sicredi on ReclameAqui
Want a customer review of Sicredi? Reclame Aqui has a better ranking. See what the website says about the bank:
- On Reclame Aqui, Sicredi's current rating is 8.2, which is considered an excellent rating by customers.
- Most of the complaints that occur regarding the bank are about undue charges on the account.
- The company has already responded to 98.6% of the complaints on the website and, according to the number of customer reviews, 88.9% of the problems have been resolved.
Is Sicredi good? Is it a good account?
See the criteria for getting your own Sicredi review:
- Account Opening Process: Opening a Sicredi account is quick and simple. To become a member, simply present your personal documents, proof of residence, and proof of income. The account can be opened at any Sicredi branch, in person, or through the Sicredi Mobile app.
- Fees and Rates Policy: Sicredi offers a competitive rate and fee policy, focused on transparency and excellent service. Rates and fees are set according to the product or service purchased and are available on the Sicredi website.
- Credit Card: Sicredi offers a wide variety of credit cards to meet the different needs of its members. Sicredi cards offer exclusive benefits, such as discounts on stores and services, installment plans, and a rewards program.
- Range of Services: Sicredi offers a wide range of financial products and services to meet the diverse needs of its members. Sicredi products and services include: Checking Accounts, Savings Accounts, Credit, Financing, and Investments.
- Security Measures: Sicredi adopts strict security measures to protect its members' data and assets.
- Simplified Access to Service: Sicredi offers personalized and accessible service to its members. Members can contact Sicredi by phone, email, online chat, or the Sicredi Mobile app. Sicredi also offers in-person service at more than 2,500 branches throughout Brazil.
What are Sicredi's rates and fees?
Sicredi has the following rates and fees:
Service | Individual | Legal Entity |
---|---|---|
Account Opening | Free | Free |
ATM withdrawal | R$ 2.00 | R$ 2.00 |
Withdrawal at Another Bank's ATM | R$ 7.00 | R$ 7.00 |
Extract | R$ 2.50 | R$ 2.50 |
DOC Transfer | R$ 9.00 | R$ 9.00 |
TED Transfer | R$ 9.00 | R$ 9.00 |
Credit card | Annual fee from R$ 110.00 | Annual fee from R$ 110.00 |
Personal Credit | Interest rate from 2.79% am | Interest rate from 2.79% am |
Financing | Interest rate from 1.39% am | Interest rate from 1.39% am |
Investment | Yield from 0.80% am | Yield from 0.80% am |
Insurance | Insurance value from R$ 25.00 | Insurance value from R$ 25.00 |
Social security | Management fee from 1.50% | Management fee from 1.50% |
Sicredi customer service: how to get in touch?
Sicredi provides excellent customer service, with several ways to help when a problem arises:
- Via chat, through the app.
- At any Sicredi branch in the country.
- Telephone service: 0800 724 7220.
How to open an account with Sicredi?
See how easy it is to open an account with Sicredi:
To open an account with Sicredi, simply follow these steps:
- Visit the Sicredi website and find the branch closest to you.
- Contact the branch and schedule an appointment to open the account.
- On the day of your appointment, bring the following documents:
- Photo ID (RG, CNH or Passport)
- CPF
- Proof of residence (water, electricity, telephone bill or property tax (IPTU))
- Proof of income (pay stub, income tax return or bank statement)
- Fill out the account opening form.
- Sign the necessary documents.
- Receive your debit card and other documents.
Frequently asked questions
[faq]