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After all, how to open a digital account at caixa? When we talk about digital accounts, digital banks like Nubank, Next, C6 Bank and many others immediately come to mind.

However, traditional banks have also migrated to the technological advances of the internet and smartphones, and they all have dedicated apps. In this case, let's take a look at how to open a digital account with one of the most popular banks: Caixa. 

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How do I open a digital account?

Technological innovation comes to make people's lives easier and to break down various barriers. Ironically, many of these barriers are created by human beings themselves, such as the various procedures, requirements and documentation needed to carry out certain tasks, what we refer to as the well-known "bureaucracy".

Opening a bank account is no different. In addition to the need to travel to the financial institution, the individual usually had to go with various documents, waiting in long lines and slow service. At least that was the case in the not too distant past, but with the popularization of digital banking, everything can be solved from the palm of your hand.

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Speaking of which, one of Brazil's most traditional banks, Caixa Econômica Federal, has created the Caixa Digital Account, also known as Digital Social Savings. The bank created this type of account for people who are beneficiaries of government social programs, such as Auxílio Brasil, Auxílio Gás, among others, as well as customers with monthly transactions of up to R$5,000.00. If this amount is exceeded, the account runs the risk of being blocked.

Access to this digital account is via the famous "Caixa Tem" app, which emerged during the outbreak of the pandemic to help people withdraw their Emergency Aid. However, the app has become practically another form of digital account, with various options available in addition to withdrawals and transfers, such as payments on machines and more.

Step by step to open a digital account with Caixa

Having explained the Caixa digital account, let's take a step-by-step approach to opening it:

Download and install the "Caixa Tem" app, available for both Android and iOS, as the entire procedure will be carried out through it.

Once the app is open, click on "I'm a Beneficiary" and fill in the fields with your CPF and the last code used for Emergency Aid, sent via SMS.

After filling in your details, the Caixa Tem screen will open and you can fill in your login and password, if you already have one, or select the option to register your account, with your full name, CPF and other personal details.

After logging in or registering with Caixa Tem, search for the "Emergency Aid" option, and then select the "Consult Aid in Digital Social Savings" option.

The app will then ask you personal questions with only one possible answer to choose from, then select the "receive code" option, which will be sent to you by SMS, fill in the code you received and select the "Consult my digital social savings account" option, and you will have access to your digital Caixa account to use at any time.

What can I do with my Caixa Digital Account?

As mentioned above, with the Caixa Tem app, you not only have access to your digital Caixa account, but you also have other services available through the platform. In addition to the possibility of making withdrawals - two per month are authorized - you can also make transfers - three per month to other banks and unlimited transfers to other Caixa accounts.

You also have the PIX tool, which makes instant and free transfers to other accounts, you can view your balance and statements at any time and you can also make purchases via the famous credit card machine by scanning the QR Code.

Finally, through Caixa Tem, you'll have access to the Caixa Virtual Card, since the digital account doesn't have a physical card. With it, you can make purchases on websites over the internet, serving as a debit card.

Caixa's Digital Account is an option for those looking for value for money

Compared to other more famous digital banks, such as Next, Nubank, C6 Bank and Banco Inter, Caixa's Digital Account is certainly more limited and restricted in several ways. Even so, for Caixa Econômica Federal account holders who want to keep their money in savings and make more modest transactions, this could be a great choice.

In addition, due to the access being made through the Caixa Tem app, other options will also be available through the app, such as receiving government benefits, like the Brazil Aid program and many others, as well as other conventional transactions, being an option that focuses on the cost-benefit ratio.