Qual é a MELHOR Conta PJ Digital? Nubank, Inter, Cora ou C6Bank?

Summary

In this video, Laísa reviews and ranks the top four digital banks for opening a business account (conta PJ) in Brazil: Banco Inter, Banco Cora, Nubank, and C6 Bank. Based on her personal experience, Laísa evaluates each bank’s features, including ease of use, costs, customer service, and security. While C6 Bank and Nubank have limitations in features and support, Banco Cora offers specialized services like recurring billing for entrepreneurs. Ultimately, Banco Inter takes the top spot due to its continuous improvements and user-friendly platform, making it the best choice for most businesses.

Takeaways

• 😀 The video discusses a ranking of the best digital business (PJ) accounts in Brazil based on personal experience with four major banks: Banco Inter, Banco Cora, Nubank, and C6 Bank.
• 😀 Banco Inter ranks first due to its continuous improvements, including free boleto issuance and the overall user-friendly experience for entrepreneurs.
• 😀 C6 Bank ranks fourth due to usability issues, such as the need for an app to access the account on a computer and some hidden fees that complicate things for entrepreneurs.
• 😀 Nubank ranks third primarily because its PJ account lacks access via a computer, has no earnings feature, and does not offer the same protections as larger banks.
• 😀 Banco Cora holds second place for being a tailored digital bank for businesses, offering free boleto issuance and a unique recurring billing feature, though it lacks FGC protection.
• 😀 Digital banks are secure and regulated by the Central Bank of Brazil, though the user may encounter hidden fees as banks evolve their models.
• 😀 Despite being advertised as 'fee-free', digital banks do charge some small fees for certain services as they mature and evolve.
• 😀 Credit offerings from digital banks are not ideal for businesses needing large loans or lines of credit, as they typically offer less attractive conditions compared to larger, public banks.
• 😀 The online customer service for digital banks is generally more efficient for those who prefer digital communication, but it can vary from bank to bank.
• 😀 Entrepreneurs should be aware that some digital banks like Nubank don’t provide free boleto issuance, which can become a significant cost for businesses needing to collect payments.
• 😀 Cora's lack of FGC protection and its focus solely on business accounts (without a personal account option) may limit its appeal to certain users.

Q & A

Why did Laísa choose digital banks for her business account from the beginning?

Laísa chose digital banks to save on monthly fees. Traditional banks charged high account maintenance fees, with some charging R$90 per month, which was not affordable when she was just starting her business.

How does Laísa explain the safety of digital banks for business accounts?

Laísa explains that digital banks are subject to the same regulations as traditional banks by the Central Bank of Brazil, ensuring the safety and protection of customers' funds. However, she mentions that some digital accounts may have security limitations depending on the institution.

What are the potential downsides of using digital banks, according to Laísa?

The main downsides include the possibility of hidden fees, difficulty in obtaining credit, and occasionally lower-quality customer service compared to traditional banks. Additionally, some digital banks may not offer comprehensive credit options or may have complex terms for their services.

What is Laísa's ranking of the four banks she reviewed for business accounts?

Laísa's ranking is as follows: 4th place - C6 Bank, 3rd place - Nubank, 2nd place - Banco Cora, and 1st place - Banco Inter.

Why did C6 Bank receive the lowest ranking in Laísa's review?

C6 Bank was ranked 4th due to issues with its app's usability, hidden fees, and conditions that could unexpectedly charge business owners for certain services. Laísa also found it difficult to navigate their online platform and felt that the bank's services were not as user-friendly as others.

What specific issue did Laísa encounter with Nubank's business account?

Laísa points out that Nubank's business account does not offer computer access, which was a significant limitation for her. Additionally, the account lacks FDIC protection and does not generate interest like personal accounts. The bank also charges for boleto issuance, which is free at other digital banks.

What unique feature did Banco Cora offer that Laísa found attractive?

Banco Cora offered free and unlimited boleto issuance, along with a feature for recurring payments, which was particularly useful for Laísa's business model, where she regularly billed clients. This feature made the bank appealing, especially compared to others like Banco Inter.

What is the main disadvantage of Banco Cora that Laísa mentions?

Laísa highlights that Banco Cora is not protected by the FGC (Credit Guarantee Fund), meaning that in the event of bankruptcy, deposits may not be covered. This is a significant disadvantage for businesses relying on full security for their funds.

Why does Laísa place Banco Inter in the top spot for business accounts?

Laísa ranks Banco Inter in first place because it has continually improved its business account features, including adding the ability to issue recurring boletos, offering up to 30 free boletos per month, and updating its platform regularly. Additionally, Banco Inter provides an all-around solid digital banking experience.

What changes did Laísa observe in Banco Inter's service over time?

Laísa observed that Banco Inter's services became significantly easier to use over time. The account opening process, which was initially complicated, became much smoother. Furthermore, Banco Inter introduced features like recurring boleto issuance, which made Laísa's business operations more efficient.