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Know which international digital account is easiest to open is the first step for anyone traveling or living abroad. These accounts are important for those who want to make transactions more quickly in another country, as well as receiving and transferring money in the local currency. Check them out below. 

Which international digital account is easiest to open

Know which international digital account is easiest to open is the first step to gaining access to the functions and operations of these accounts. The opening process is important, especially for those who are going to travel or live abroad. 

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Through these digital accounts, customers can access various banking operations, such as transferring money, paying debts and more. In other words, these models work just like any other bank, but digital and international!

Currently, there are some platforms that are more recommended than others, as they stand out for their practicality and less bureaucracy. The truth is that consumers need to evaluate the characteristics of the banks well in order to find an option that meets their needs. Check them out below: 

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1. Wise

Wise is in first place in the ranking of the best digital banks for opening international accounts. This account has several unique features, as well as being multi-currency and having a card in Brazil. 

Launched in December 2021, this digital account is suitable for those traveling abroad or living abroad. Wise's main objective is to help consumers save money on international transactions, whether through purchases or transfers. 

In general terms, this is the first fintech to offer a multi-currency account in the country. What's more, it's one of the only ones with this feature on the market. When you open an account with Wise, you can save money in up to 50 different currencies. 

In addition, bank details can be kept in more than 10 countries, without the need to create new accounts. These are not the only advantages of digital banking, which also has the following benefits: 

  • Wise customers benefit from the lowest rates on the market for spending foreign currency;
  • The possibility of using the account card in over 200 countries, as well as being able to make purchases in online stores and physical establishments; 
  • Consumers only pay 1.1% IOF on financial transactions;
  • Customers can keep and store up to 54 coins in their account;
  • You can buy with Google Pay and Apple;
  • Consumers can withdraw money anywhere. 

2. Nomad

Another international digital bank is Nomad. To open an account with this institution, consumers do not have to pay any fees or maintenance. All customers receive a free debit card that can be used for virtual and physical purchases. 

Financial transactions with the card can be made on the main smartphone digital wallets, such as Apple Pay, Samsung Pay and Google Pay. To apply for your card, you need to pay a fee of US $20.

To receive it, consumers can choose between two free ways: by requesting delivery to an address in the United States of America or by accumulating an amount of US $1,000 in a shipment from the last six months. 

The Nomad card is available in virtual and physical form. Transactions with this product are accepted in Brazil, the United States and more than 50 countries. When the purchase is made in a currency other than the US dollar, the conversion is done automatically at no extra cost. 

To make remittances from reais to dollars, consumers are charged a service fee of 2%, plus 1.1% IOF. On the other hand, this percentage can drop depending on the number of remittances sent to the account. 

The minimum remittance must be US $100. Finally, withdrawals from the Nomad account are free and can be made at Allpoints networks. If you want to withdraw from other ATMs, only two withdrawals are free per month. 

3. Bank N26

Banco N26 is particularly suitable for those who are going to live in Europe. It is one of the most widely used banks on the continent, as well as being named Brazil's first Fincare. The company's operations in the country were announced in the first quarters of 2022. 

However, customers living in Brazil still don't have access to this account. One of the greatest features of this digital bank is the possibility of using a credit card at no extra cost. 

You can also use Banco N26's free or premium account. In the latter case, customers pay a small monthly fee but have access to additional and exclusive services. The opening process takes a maximum of 8 minutes. 

To open an account with Banco N26, those interested only need to have an internet-connected cell phone at hand. In other words, the entire procedure is 100% online and does not require proof of any income. Check out the pros of the account:

  • Customers can make up to 3 free withdrawals a month;
  • Access to a credit card with no monthly fees;
  • The Black account is insured in all countries;
  • Bank transfers are free;
  • Access to support from efficient professionals;
  • Possible integration with Wise. 

Bonus: C6 Bank

C6 Bank is one of the best-known digital banks among Brazilians. Among the institution's features is its international digital account. You can add balances in dollars and euros. 

Customers who already have an account with the bank can easily apply to open one by accessing the bank's official platform. However, customers are charged a small fee of US $30. 

In some cases, the fee is waived. But only owners of C6 Bank Carbon Mastercard Black credit cards, or those with more than R$20,000 invested in the account, do not have to pay any opening fees. 

Like other digital accounts, this one doesn't charge any maintenance fees, as long as there are transactions every 12 months. Otherwise, you have to pay US $10 in annual fees, except for Carbon Black customers.

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