Digital account for people with a negative credit score: which banks approve it without bureaucracy

Having a negative name is no longer an impediment to having a bank account. And this is undoubtedly a relief for millions of Brazilians who face debts, but still need to move money around, receive salaries, pay bills and even make Pix.

The good news is that some digital banks are approving customers even with CPF restrictions. They have understood that being in debt does not mean being dishonest. That's why they've started to facilitate access to basic financial services.

Can negative credit have a digital account?

Yes, you can. And this is guaranteed by law.

No institution can prevent a person from having a current or savings account just because their name is dirty. However, this does not mean that all banks will approve or release all services.

Some still impose restrictions. Others, as we'll see here, offer functional, simple accounts, without complicated credit analysis and with most of the funds released.

These accounts are ideal for anyone:

• You have outstanding debts
• Need a place to receive salary or benefits
• You want to make transfers, Pix and pay bills as normal
• You're starting to organize your financial life

Why are digital banks easier to approve?

Digital banks have lower costs than traditional ones. They operate leanly, 100% online, and focus on financial inclusion as a competitive differentiator.

In other words: they gain by bringing more people into the system, even if these people have restrictions on their names.

What's more, these accounts are simpleThis reduces the risks for the bank.

Over time, if the customer has a good account balance and pays everything on time, they may be offered credit, a card or even a loan - even if they have a negative credit rating elsewhere.

1# Nubank

Nubank is one of the most popular digital banks in Brazil - and also one of the most approved for opening an account.

Nubank's digital account allows you to:

• Receive salary or Pix
• Make free transfers
• Pay slips and bills
• Automatic balance yield
• Debit card included

The opening process is 100% online, via the app. And even people with their name on Serasa or SPC can open the account normally.

The credit card may not be approved immediately, but the debit function is already authorized.

If you're looking for practicality, transparency and a good app experience, Nubank is one of the best options.

2# Banco Inter

Banco Inter also approves negatives with ease, especially for its free digital account.

The bill includes:

• Card with debit function
• Payment of bills
• Unlimited transfers
• Pix
• Withdrawals from Banco24Horas ATMs
• Savings account income

For those with a CPF restriction, Banco Inter can temporarily block functions such as credit or overdrafts - but the current account functions normally.

They have a light and stable app, ideal for those who are just starting to use digital banking.

3# C6 Bank

C6 Bank offers a no-fee digital account, even for those who are in debt.

Opening is quick, via the app, and includes:

• Debit card
• Pix
• Free transfers
• Free withdrawals
• Account with personalized number (C6 Tag)
• Automatic yield

Many people report being able to open an account even with a low score. The credit card, on the other hand, depends on individual analysis, but C6 offers the option of a card with credit function by deposit - which helps those who want to build a track record of trust.

4# PagBank (PagSeguro)

PagBank is the digital bank of the PagSeguro group. It focuses on financial inclusionThe result is that it approves a lot of negative customers.

The account can be opened quickly from your cell phone:

• Receiving salaries, allowances and other payments
• Shopping with a debit card
• Paying bills
• Download and receive Pix
• Investing and earning cashback

In addition, PagBank often offers cashback promotions for those who use their account frequently.

If you need an uncomplicated day-to-day account, this is a very affordable option.

5# Mercado Pago

Mercado Pago, Mercado Libre's digital wallet, also works as a bank account for those who are in debt.

It's practical, straightforward and has a good return on investment.

With a Mercado Pago account, you can:

• Receive and send Pix
• Shopping online and in physical stores
• Pay slips
• Use virtual or physical card
• Taking advantage of promotions on Mercado Libre

Opening is instantaneous, with no credit analysis, and you can start using right away. It's ideal for those who want to keep the basics moving and still enjoy discounts on online purchases.

6# Neon

Neon is another Brazilian fintech that has made a name for itself. Its account is free, simple and approves customers even with a restricted name.

The app is modern and allows you to

• Payments
• Pix
• Free transfers
• Debit card
• Loans and credit (released after use analysis)

For those who want an intuitive digital experience, Neon is a good choice.

What to consider before opening an account?

Before opening any digital account, it's worth looking at a few points:

• Is the account really free?
• Does the bank allow you to move money without restrictions?
• Is there a Pix or withdrawal limit?
• Is the app stable and easy to use?
• Is there customer support in case of problems?

You can open more than one account and test which one works best for your day-to-day life. The important thing is to have control and don't mix debts with new promises of credit that you don't need.

Does a digital account help clear your name?

Not directly. But it's the first step.

With an active account, you can:

• Organize your spending
• Receiving money from freelancing, sales or services
• Pix to negotiate debts
• Show financial transactions in future credit analyses

Some banks are even offering loans for the unemployed based on account usage. Therefore, keeping your account active, busy and free of delays is a good way to improve your record.

What if I'm not approved?

Even if a bank denies your application (which is rare), you can try again. Don't be discouraged. Each bank has different criteria and often one approves what another refuses.

It's also worth keeping your details up to date, avoiding CPFs with inconsistencies and trying to open the account calmly, without rushing.

See also: Application makes loans of 150 reais; see step by step

March 22nd, 2025