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Know which is the best digital bank in the world is the first step towards organizing your personal finances in a safe and reliable institution. Nowadays, amidst so many alternatives, it's hard to find an ideal model easily. Check them out below. 

Which is the best digital bank in the world 

Digital banks are growing more and more in the market. With so many alternatives, it's hard to choose one. That's why, before opening an account with any institution, it's important to know which is the best digital bank in the world. 

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Digital banks were born to bring efficient technology to consumers. After all, the market suffered from the high level of bureaucracy required to open an account with traditional banks, which is not usually the case with digital banks.

To organize your personal finances and achieve your financial goals, it's essential to create an account with a reliable bank. Want to know the best digital banks on the market? Check them out below:

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1. Agibank

Founded in 1999 in Rio Grande do Sul, Agibank is one of the best digital banks on the market today. In 2010, it began providing payroll loans to customers and, in 2011, it received authorization from the Central Bank of Brazil to create its own finance company. 

The financial institution's journey was marked once again in 2013, when the company began to offer the opening of current accounts and credit cards to customers. The cards were issued under the Mastercard banner. 

Through heavy investment in payment solutions, the institution has become a big name in the market. Agibank has now reached the 1 million client mark, with plans to float on the Stock Exchange. 

2. C6 Bank

C6 Bank is another recommended digital bank for customers. With a 100% digital account, this institution offers free transactions between users, as well as SMS transfers at no extra cost.

Just like the bank mentioned above, C6 Bank also offers customers the opportunity to open a current account and a credit card. In addition, it is possible to find investment options, as well as payroll and provident loans.

To open an account with this digital bank, go to the app store on your smartphone and download the app for free. The opening process can also be done via the institution's official website. 

In principle, the digital bank does not charge any fees for withdrawals, maintenance or the issuing of bills. Account transactions are made via PIX, bank slips, ATMs, etc. 

3. Inter Bank

Banco Inter has an application for carrying out banking transactions free of charge. The platform is available for download on the main operating systems, Android and iOS, completely free of charge. All transactions are free of charge, including transfers and withdrawals. 

One of Banco Inter's features is the boleto bancário deposit. In this case, to deposit a certain amount into your account, you issue a boleto and make the payment at any lottery office. 

Banco Inter cards are available in both credit and debit versions. In addition, they have no additional costs. The services offered in the model are the same as for legal entities, which is ideal for SMEs. 

4. Neon

Banco Neon is yet another digital model available on the market. To open an account with the institution, download the official app on your smartphone, available for free for Android and iOS, and follow the practical step-by-step instructions.

Consumers don't need credit approval to open an account with this financial institution, which is a plus point. What's more, as soon as customers deposit R $25.00, the account is activated. 

Among the products offered by the institution is the international debit card. There are more applications and services for financial management, for example, which can help micro and small business entrepreneurs. 

5. Nubank

Nubank is one of the best-known digital banks on the market today. Founded in 2013, the financial institution offers automatic income in NuConta, with free TED and PIX transactions. 

In addition, the institution offers customers a credit card with no annual fee, subject to credit analysis. To make withdrawals, consumers need to pay a fee of R$6.90 for each new transaction. 

If you want to open an account with this digital bank, go to your smartphone's app store and download the platform for free. When you access the page for the first time, follow the procedure for opening an account. 

6. Mercado Pago

Mercado Pago works as Mercado Libre's online payment platform. This company has made a name for itself in the market in recent years, mainly due to the wide availability of products and services. 

Through this platform, users can find resellers of digital products in a practical way. This financial service was launched in 2019 and is now considered one of the best in terms of payment methods. 

7. Next

Next is another digital bank that offers free account opening. The account's services include unlimited transfers via TED / DOC, PIX and withdrawals. It also has a credit line, with cards with no annual fee and investment and insurance options. 

In principle, Next doesn't charge users any fees for transfers, withdrawals or account maintenance. With investment options in savings accounts, investment funds and CDBs, this digital bank is one of the best around. 

8. Digi+ 

Digi+ is another digital bank recommended for Brazilian customers. Through this digital account, customers can access investments, diversified credit lines and more. 

As with the previous models, the financial institution does not charge any fees for maintaining the account. On the other hand, withdrawals are made for a small fee of R $4.90, but 4 are free. 

As for transfers via TED / DOC, you have to pay a fee of R $7.90. However, just like withdrawals, these services can be done four times for free.

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