HomeNEWSWhat does TOP customer mean and how to be one?

What does TOP customer mean and how to be one?

Are you a TOP customer at Caixa Tem? According to a survey carried out by the IBGE, more than 5 million Brazilians applied for a loan in 2020 alone and more than 40% of these people applied for these loans due to Covid-19, which was one of the most decisive factors for these requests.

With that in mind, Caixa Econômica Federal decided to create the program called Cliente TOP, in the Caixa Tem appso people could apply for their loans directly through the app.

What this article covers:

What is a TOP customer at Caixa Tem and how does it work?

The TOP customer in the Caixa Tem app is a loan application program designed to make life easier for beneficiaries who use this app with the aim of being a quick, easy, secure and fully digital alternative.

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Caixa Econômica Federal had already been publicizing this idea since 2020 and finally this option already appears on the home page of the app for some users.

As soon as this option arrived in the apps, a pop-up appeared as soon as I entered Caixa Tem. If your app no ​​longer appears this pop-up, you can still find the option.

How to become a TOP customer?

As it is still in the testing phase, this option is available to all users. If the pop-up has already appeared for you, it means that you are a TOP customer and are able to apply for your loan.

It’s good to remember that it’s important that your cashier app is up to date, as this program will only be available to users who have already accepted the app’s new terms and conditions. Thus, as long as the user does not make this update, the program will not appear in his cashier account.

What are the benefits of a TOP customer at Caixa Tem?

Caixa Econômica Federal aims to make this program simple, and much less bureaucratic, such as the fact that it does not need to prove income. However, loan amounts are much lower than other traditional banks. And the payments will be made available in two ways, that is, for two different groups, which are:

  • Conventional customers: Loans can range from R$100 to R$300, and if financed, a loan request of up to R$1000 can be made.
  • Customers enrolled in the Bolsa Família Program: In this option, amounts vary between R$300 to R$1000, and in the case of financing, the loan can reach R$3000.

As you can see, the values ​​are not high, but the interest rates are consequently very low, and the intention of this program is that the release of the loan amount is done instantly.

Does this option already appear for you? It is important to remember that the TOP client program is still in the testing phase, and has not been made available to all clients. Therefore, if this option has not yet appeared for you, the best thing to do is wait.

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