Below you will find answers to the most common questions you may have about Intelectus Bank. If you haven't found the answer you're looking for, just access the Contact Us page and send your question.
Intelectus is a Fintech that develops simple, secure and 100% digital solutions for your financial life.
The Intelectus Digital Account was made for everyone. There is no need to go through a credit analysis, you open your account directly on our application or website, all quickly and without bureaucracy.
Our only restrictions are: a) be at least 18 (eighteen) years old; b) be a resident of Brazil; and c) have a smartphone compatible with our apps for Android (version 4.4 or higher) or iOS (version 10 or higher). We only do a simple cadastral analysis.
To have an Intelectus account it is not necessary to undergo any credit analysis. We only do a cadastral analysis.
Our only restrictions are: a) be at least 18 (eighteen) years old; b) be a resident of Brazil; and c) have a smartphone compatible with our apps for Android (version 4.4 or higher) or iOS (version 10 or higher). We only do a simple cadastral analysis.
We design our products to be as simple and safe as possible. This is only feasible using some features of a smartphone. For the registration, for example, it is necessary to have access to the camera. In addition, other interesting features, such as real-time monitoring of your expenses and your credit card limit, as well as your account income, are only possible through this type of device.
The correct term for an Intelectus account is "Payments Account". This is because Intelectus is a Payment Institution (IP) and not a bank. For the same reason, our card with a debit function is not technically a debit card, since, despite the functionality being the same, it could only be offered by a bank and linked to a deposit account.
To learn more about Payment Accounts, click here.
Our customers can withdraw with the debit function at any ATM in the Banco24Horas network or in the Saque and Pague network.
To find out where the nearest terminals are, go to the Banco24Horas website - Find an ATM near you or More than simplifying, solving.
It is important to know that there is a fee for each withdrawal, which is U$ 6.50 regardless of the amount withdrawn or the number of withdrawals. It is worth noting that only those who use and when to use it pay.
We are a 100% digital company, but we understand that physical cash is still important to many of our customers. Therefore, we provide the withdrawal service using the structure of partner companies, which includes the Banco24Horas and Saque and Pague networks. Using these external box networks comes at a cost. The amount charged is intended to cover third-party costs, such as cash transportation and security, renting the space where the tellers are located and maintenance of this equipment, as well as taxes and internal operating costs.
At this time, we understand that this tariff is the only way to make this service available to everyone without limiting or charging for functions that we believe are more important for our customers in the long term.
We issue the Intelectus Card ourselves and are licensed under the Visa® brand to issue Debit/Credit Cards in Brazil.
The Intelectus PJ account is available for companies with one or more partners of the types MEI, EI, LTDA. provided that there is only one managing partner in the corporate structure and that this is responsible for creating the account.
Intelectus PJ account (legal entity) and personal account (individual) are different products.
Both are managed by the same APP, but aimed at different purposes. The personal account is for you to concentrate your personal transactions and income. The PJ account, on the other hand, is aimed at you, the company/business owner, controlling the company's finances, separating professional and personal transactions.
The PJ account offers several forms of transfer and payments to meet the needs of businessmen, entrepreneurs and self-employed people.