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The Nubank published the function serve Tuesday (11) of the NuConta but the applied tariff (6.50 reais per use)) by fintech was considered expensive by some users
. StartSe compared all services offered by fintechs, digital banks and other financial institutions.
In this comparison, only Nubank and Neon are considered fintechs. The remaining options are financial companies or even banks created from existing companies. The Next belongs to Bradesco, for example, while the Original is controlled by the holding company J & F. The Agibank was established in Porto Alegre from the Agiplan Bank
Check the comparison:
Charge Rates
Agibank: up to four free withdrawals per month in boxes. 24hrs and an extra charge of R $ 6.49 for the rest. In the lottery, the limit is 2 withdrawals per month, with an additional fee of R $ 3.99
. Banco Inter: Free and Unlimited
. Original bank: free and unlimited
. ] Neon: The first free issue of the month is free.
Nubank: rate of $ 6.50 per service
Credit card without annuity.
Agibank: No annuity for 12 months, then start charging $ 4.99 per month for cards issued by the application.
Bank of origin: It varies according to the card chosen and the number of cards issued at the point of service has a monthly rate of R $ 12.99.
Banco Inter: is free for an indefinite period. but for MasterCard International Basic, annuity exemption.
Neon: free indefinitely
Next: Free for an indefinite period only in the most basic package called "In Measure."
. ] Nubank: free of charge for an indefinite period
Maintenance of account tax
Agibank: Exempt.
Banco Inter: Exempt.
Next: There are three types of packages – the "measure" starts at $ 9.95 / month
Nubank: free
Free transfers to other banks
] Agibank: made four g transactions available per month.
Neon:
Free and Unlimited Free
[OriginalText: One transfer per month is free, while the others cost $ 3.50. In the case of Neon +, account for customers who make more than 10 Fintech card transactions per month, transfers become free and unlimited.
Next: One transaction per month. Nubank: free and unlimited
The stone in the fintechs shoe
The highest taxes that the fintechs or digital banks possess today at the service. This is the only existing tariff in NuConta, for example, and that could not be reduced to zero, even though Nubank is the largest digital account in Latin America.
This contrasts directly with transaction costs. Until then, lack of physical agencies, fintechs and digital accounts already have a large economy, which is pbaded on to customers. In the case of withdrawals, the initiative does not depend on these companies.
"When we talk about financial technology, we often talk about 100% digital businesses, but when we're offline, the logistics, security, and insurance of ATM deposits are subject at several costs, "says Mathias Fischer, President of Fintech My Exchange.
Fortunately for fintechs, it is necessary to make withdrawals. becomes more and more unusual. "Nowadays, I do not have any more paper money, I do not remember the last time I had money at the ATM machine. a large part of the population As long as it does not happen, the service is expected to remain a stone in the digital banks' shoes By making a "solo flight" with their investors, fintech can not not to dilute the cost of such transactions as the big banks do.
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