Best debit cards in Brazil
By Sofía Vargas (Editor-in-chief) · Reviewed by Sofía Vargas (Editor-in-chief) · Published · Reviewed
Also available in pt-BR on Brasil.
Brazilian digital accounts transformed debit: Nubank, Inter, C6 and Will Bank eliminated fees and offer yield on balance via CDB or automatic PIX. This guide compares the most-used options in 2026, considering yield, free withdrawals and app experience.
Direct answer
For debit — brazil, the strongest pick today is Nubank Conta, according to the BestCardIn editorial review.
Quick answers
- Do debit cards build credit history in Brazil?
- No. Credit history is built through credit products: credit cards, personal loans, financing. A digital account or debit card does not show up in the SCR as credit.
- How much does a digital account in Brazil yield?
- Nubank Conta yields 100% of CDI on balance (close to Selic, after taxes). Inter yields 100% of CDI starting at R$ 100. Some accounts offer yield via automatic CDB at up to 110% of CDI.
- Are digital accounts covered by the FGC?
- Yes. Nubank (via Nu Pagamentos), Inter (Banco Inter), C6 (Banco C6) and Will Bank are FGC-covered up to R$ 250,000 per CPF per institution. Verify the product type (current account, savings, CDB) for the specific limit.
- Can I have my salary deposited into a digital account?
- Yes. All digital accounts accept salary credits via TED or DOC, including automatic salary portability from the bank where your company pays.
Selected cards
Nubank Conta
Nubank
Annual fee: No annual fee
The digital account with the most active users in Brazil; 100% of CDI yield on balance, limited free withdrawals at the 24h network and the reference app of the segment.
Inter Empresas
Banco Inter
Annual fee: No annual fee
Inter Super App account with integration to investments, marketplace and benefits; free account and debit card with no annual fee.
PicPay Débito
PicPay
Annual fee: No annual fee
PicPay debit card integrated with the most-used digital wallet in Brazil for person-to-person PIX and QR-code payments.
Will Bank Conta
Will Bank
Annual fee: No annual fee
Simple, free digital account with cashback in selected categories on the debit card; an emerging option in the market.
Neon Conta
Neon
Annual fee: No annual fee
Digital account with good yield, limited free withdrawals and a solid app; an alternative to the big tech players in the segment.
Quick comparison
| # | Card | Issuer | Annual fee | Cashback |
|---|---|---|---|---|
| 1 | Nubank Conta | Nubank | No annual fee | - |
| 2 | Inter Empresas | Banco Inter | No annual fee | - |
| 3 | PicPay Débito | PicPay | No annual fee | - |
| 4 | Will Bank Conta | Will Bank | No annual fee | - |
| 5 | Neon Conta | Neon | No annual fee | - |
The minimum standard in Brazil in 2026 is: digital account with no maintenance fee, no minimum balance, at least some yield on balance (100% of CDI or similar) and unlimited free PIX. The five accounts in the ranking meet all those criteria.
For spend management, Inter stands out thanks to its Super App that combines account, card, investments and marketplace in a single experience. Nubank has "caixinhas" (sub-accounts) with goals and independent yield.
For intensive person-to-person PIX use, PicPay remains a de facto standard in Brazil alongside Nubank. Most Brazilians have PicPay installed, which makes transfers between friends and small commercial payments frictionless. More on Nubank Conta.
FAQ
Do debit cards build credit history in Brazil?
No. Credit history is built through credit products: credit cards, personal loans, financing. A digital account or debit card does not show up in the SCR as credit.
How much does a digital account in Brazil yield?
Nubank Conta yields 100% of CDI on balance (close to Selic, after taxes). Inter yields 100% of CDI starting at R$ 100. Some accounts offer yield via automatic CDB at up to 110% of CDI.
Are digital accounts covered by the FGC?
Yes. Nubank (via Nu Pagamentos), Inter (Banco Inter), C6 (Banco C6) and Will Bank are FGC-covered up to R$ 250,000 per CPF per institution. Verify the product type (current account, savings, CDB) for the specific limit.
Can I have my salary deposited into a digital account?
Yes. All digital accounts accept salary credits via TED or DOC, including automatic salary portability from the bank where your company pays.
Methodology
We evaluate monthly fee, free withdrawals at the 24h network, yield on balance, management tools and app rating (minimum 4.0/5.0 with 100,000+ reviews). We exclude accounts that require a minimum balance or mandatory portability.
Conclusion
For most Brazilians, Nubank Conta is the ideal entry point thanks to its combination of simplicity, yield and app quality. Inter wins if you want a Super App with integrated investments. PicPay remains indispensable for person-to-person PIX. Optimal strategy: have Nubank or Inter as your primary account and PicPay as a social complement.