C6 Bank vale a pena? 8 pontos que você precisa saber

Summary

This video discusses eight key points to consider before opening an account with C6 Bank in 2024. It highlights JPMorgan's investment in C6, offering traditional banking robustness alongside digital convenience. The bank provides a free current account and a payment account with conditions for fee exemption. C6 Bank's investment platform offers a variety of financial products, with a focus on their high-yielding daily liquidity CDB. The Atomos rewards program allows point accumulation on both debit and credit card spending. The Carbon credit card offers increased rewards for higher investments. C6 Bank also caters to businesses with corporate accounts, international transactions, and a global account for foreign currency transactions, all with competitive exchange rates.

Takeaways

• 😀 C6 Bank is backed by J.P. Morgan, which holds 46% of its capital, providing it with financial security and robustness.
• 💳 C6 offers a free checking account, but the payment account may require a R$4 monthly fee unless certain criteria like R$500 card spending or salary deposit are met.
• 📈 The C6 Bank provides an investment platform offering fixed income, stocks, funds, ETFs, and other financial products, although it lacks some diversity compared to competitors like XP and BTG.
• 💰 C6's daily liquidity CDB offers 104% of CDI, making it one of the most competitive fixed-income products in the market.
• 💎 The C6 Atoms program allows users to accumulate points with both debit and credit card transactions, which can be redeemed for cashback, products, or travel.
• 🏦 The Carbon credit card, a Black-tier card, provides higher point accumulation rates and additional benefits for users with higher incomes or investments.
• 🏢 C6 Bank offers PJ and MEI accounts for businesses, including features like daily liquidity CDB for business cash and options for handling payments in foreign currencies.
• 💳 C6 provides a global account with a Mastercard debit card, allowing for convenient transactions abroad with a competitive 2% currency conversion spread.
• 🛡 All deposits and investments at C6 Bank are insured by the FGC, ensuring security similar to other major Brazilian digital banks.
• 📲 C6’s app allows easy real-time conversion between currencies and offers competitive spreads on foreign transactions compared to other platforms like Nomad and Inter.

Q & A

What is a key factor to consider when deciding whether to open an account with C6 Bank in 2024?

One key factor is understanding the advantages and disadvantages of C6 Bank compared to other financial institutions. Evaluating aspects like security, investment options, and additional features helps in deciding if C6 Bank suits your needs.

Who is a major shareholder in C6 Bank, and why is this significant?

JP Morgan is a major shareholder, holding 46% of C6 Bank's capital, with plans to increase its stake. This partnership adds stability and credibility to C6 Bank, leveraging JP Morgan's strong reputation and financial backing.

How is C6 Bank's security ensured for depositors?

Deposits and investments with C6 Bank are guaranteed by the Fundo Garantidor de Crédito (FGC), offering protection similar to other digital banks in Brazil. This guarantee covers deposits up to a certain limit in case of any financial issues.

What is the difference between a free current account and a payment account at C6 Bank?

The current account is free and offers various banking services. The payment account can also be free if specific criteria are met, such as spending at least R$500 on the debit or credit card, subscribing to certain services, or maintaining a minimum investment of R$1,000. Otherwise, a fee of R$4 per month is charged.

What investment options does C6 Bank offer?

C6 Bank provides access to a range of investment products including fixed-income securities like CDBs, direct investments in the stock market, mutual funds, ETFs, and real estate funds. It also offers a broader investment platform that allows for various market opportunities.

Why might C6 Bank’s CDB with daily liquidity be attractive to investors?

C6 Bank offers a CDB with daily liquidity that yields 104% of the CDI, which is higher than the similar products from other banks like Nubank and Banco Inter. This makes it an attractive option for those looking for competitive returns with flexibility and security.

What benefits does the C6 Átomos points program provide?

The C6 Átomos program allows users to earn points on both credit and debit card transactions. Unlike some other programs, points are credited immediately upon purchase. These points can be exchanged for cashback, products, or airline miles, providing flexibility in how they are used.

What are the eligibility criteria for the C6 Carbon credit card?

To qualify for the C6 Carbon credit card, a user needs a minimum monthly income of R$1,000 or at least R$50,000 invested in C6 Bank. This card offers higher points accumulation rates, particularly for users with larger investments.

What features does C6 Bank offer for business accounts (PJ and MEI)?

C6 Bank provides business accounts (PJ and MEI) with features like daily liquidity CDBs, payment processing, and the ability to issue chargeable invoices. Additionally, it offers a C6P card reader for businesses that do not charge fees if monthly transactions exceed R$5,000.

How does C6 Bank's global account and card compare in terms of currency conversion costs?

C6 Bank offers a global account with a debit Mastercard for purchases abroad, with a competitive 2% spread on currency conversion from Brazilian reais to US dollars. This rate is comparable to Nomad’s 2% spread but is higher than Banco Inter's 0.99% spread.