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Find out the advantages of Banco Next and open your account.

Banco Next is an online financial institution that offers its customers facilities to open an account and an international credit card. Using an application for Android and iPhone (iOS), users are able to make an account with the service via their cell phone without having to deliver data to a physical branch.

With special plans for university students and no fees, Next differentiates itself from competitors like Neon and Nubank by offering extra features, such as managing an online crowdfunding and automatic investments in investment funds.

Originated by Bradesco to compete with other digital institutions, Next also offers discounts at educational institutions, online stores, restaurants and tickets to cultural events.

Check out the main questions and answers related to the advantages offered to customers with a digital account at Banco Next. 

What is it and how does it work?

Like most digital banks, Next's essential feature is the practicality of account management via cell phone. The platform is not linked to a physical bank and receives new customers through an application for Android and iPhone (iOS). New users register through the app and create their accounts instantly, without the same bureaucracy required by traditional banks.

Banco Next does not have its own branches. However, customers are able to obtain service at Bradesco branches and use the bank's tellers to make withdrawals. Account holders also receive support for withdrawals from the Banco 24Horas network. Questions or problems with the account must be resolved by specialized support, with service within the application itself.

How to open an account

One of the points in favor of digital banks is the ease of opening an account – the procedure is carried out via cell phone. Interested customers need to install the Next app on their smartphone and confirm the requested personal data. You must have your identity card, driver's license and up-to-date proof of address on hand. During registration, you will need to send photos of the documents using the camera on your cell phone.

Just like in the Bradesco app, users need to monitor the status of their digital account to find out if the request to create the account was approved. After confirmation, an international credit and debit card is sent to the registered residence and the digital account can be accessed for transfers, payments and withdrawals.

What are the main features available on the account?

Among the advantages that the company offers is a system known as “Flow”. The feature allows you to manage each user's budget, separating expenses by categories. The system records movements and presents graphs that are capable of helping account holders to better monitor how their money is spent monthly. “Flow” also offers expense control tools that can help you save money.

Next oferece descontos exclusivos e programa de cashback para seus clientes — Foto: Divulgação/Next

With the “Objectives” function, users are able to define an objective for the bank's system to separate money into an investment fund. The customer defines the value and the app makes the applications monthly, automatically. The bank also offers discounts with partner companies, a cashback system, cell phone recharge and an online crowdfunding platform where customers are able to raise funds from friends.

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