Agibank is a bank that works with operations through the Android and iPhone (iOS) application. Unlike most famous digital banks, such as Nubank, the institution has physical agencies, but promises to avoid red tape and queues by offering almost all of its services online. After opening the account, the user has access to a number of free transactions, such as transfers, payments, invoice generation and purchases via QR Code.
The bank offers credit cards and internationally operating debit cards, and is exempt from annuity if the user performs salary portability. From the app, you can also access services such as loans, insurance, consortiums and investments. O TechTudo has separated a series of questions and answers about how Agibank works.
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Learn about the benefits of Agibank, a 100% digital bank that also has physical agencies Photo: Reproduction / Fernanda Lutfi
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1. What and how does it work?
Agibank is a digital financial institution that works from an app for Android and iPhone (iOS) phones. With the app, it is possible to perform a series of operations, such as opening a checking account, apply for the international credit and debit card, make transfers and payments, generate slips, and perform operations from a QR Code.
Customers who value face-to-face experience can also request service at physical agencies. In addition, Agibank does not have virtual queues to register and no invitation is required.
Learn the benefits of opening an Agibank account Photo: Reproduo / Raquel Freire
Opening an Agibank account is a simple process. In the app, simply click on "Create Account", as displayed when you first open it. In order to register, the user will need to provide some data such as CPF, full name, date of birth, mobile number, mailing address, monthly income and a photo document such as ID or CNH.
The registration will be finalized after the company checks all user information and, if all is correct, the account will be created. The process may take between one and three days to complete.
Check out all the information you need to open an account with Agibank Photo: Reproduction / Raquel Freire
3. What are the main resources available?
With Agibank, the user can port their salary directly in the app, as well as apply for the international credit and debit card. The MasterCard brand allows the user to participate in the MasterCard Surprise, the company's points accumulation system.
In addition, it is possible to make transfers to clients of Agibank or other banks, make payments and purchases through QR Code, generate slips, and make up to four free withdrawals per month at Banco24Horas and two in lotteries.
Find out what services Agibank offers its clients Photo: Reproduction / Raquel Freire
At Agibank, the user does not pay for account opening or maintenance, in addition to having a number of free monthly services. However, if the customer needs to exceed the gratuity limit, an extra fee will be charged. Check out some free services and the extra fees charged by the institution:
|Cashout at Banco24Hours||four per ms||R $ 6.49|
|Cash Out||two per ms||$ 3.99|
|Cash Out Cash Out Pay||four per ms||R $ 6.49|
|Transfers to other banks||four per ms||$ 1.90|
|Transfers to Agibank Clients||unlimited||free|
|Card Annuity Requested by Application||12 months||$ 4.99 / ms|
|Card Annuity Issued at a Service Point||–||$ 12.99 / ms|
|Credit card duplicate||–||R $ 9.90|
|Payments by slips, dealers and taxes||unlimited||free|
|QR Code Payments||unlimited||free|
5. What is the difference for Nubank and other digital banks?
Agibank's main differential over other digital banks, such as Nubank, Neon and Inter, is its versatility in customer service. The user may choose to perform all operations digitally, but also has the option of going to an Agibank agency to get in-person doubts.
At the bank, the user has access to a range of services for free, but not necessarily unlimited. Neon and Nubank, for example, charge for withdrawal on the Banco24Horas network, while Agibank allows up to four free monthly withdrawals. Regarding credit card fees, banks like Inter, Nubank and Neon do not charge annual fees. Agibank charges you after the first year.
Agibank charges credit card annuity after one free year Photo: Reproduction / Raquel Freire
6. If the digital account does not charge fees, how does Agibank make money?
Because the digital account is completely free, and Agibank has physical agencies, some users may be curious about how the company makes money. The profit actually comes from credit card annuities, which are charged after the first free year; the late payment of invoices, generating interest; charging extra fees for certain services; and other services such as loans, insurance, consortiums and investments.
Discover the advantages and disadvantages of Agibank over other digital banks Photo: Reproduction / Raquel Freire
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