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what is it and how to apply?

The Banco Inter Kids Account is an excellent option for teaching children about financial education from an early age. Nowadays, having a Kids Account facilitates the movement of money, offers investment options, in addition to numerous facilities.

In this post, you will learn how to create, how it works, what are the advantages and disadvantages of having a Banco Inter Kids Account.

What this article covers:

What is the Kids Account?

The Kids Account is similar to any other digital account, but with the difference that it requires express parental authorization. In this way, it is an option that has the same facilities as a normal account, such as making payments, Pix transfers, investment, etc.

How does the Kids Inter Account work?

In the Kids Account of Banco Inter, those responsible can use all the functionalities of a normal digital account, including the parents can have a debit card in the name of the child or adolescent. Regarding the credit function, this is not available, as it is not allowed to grant credit to people under 18 years old.

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In addition, there are other advantages of the Kids Account and we will talk about them shortly.

Advantages and disadvantages of Banco Inter Kids

The Kids Account offers some advantages, such as:

  • Ease of account opening: 100% digital;
  • Limit of free and unlimited transfers;
  • Possibility of free deposits via bank slip;
  • Ability to pay bills;
  • Mastercard debit card in the name of the child or adolescent;
  • Creating a savings account to save money for emergencies;
  • Options for making investments (direct treasury, CDBs, pension funds).

Regarding the disadvantages, we can list a few: not being able to apply for a credit card or investing in the stock market, as well as the requirement to have a responsible person over 18 years old to manage the account.

Why open a Kids Account on inter?

Nowadays, it is important for parents to teach their children the importance of financial education from an early age. This topic should even be a reason for dialogue at home, so that the little ones learn from an early age to use money responsibly.

Why open a Kids Account on the inter

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This attitude allows children to understand in a simpler way the value of the money spent by their parents, in addition to understanding the importance of saving and investing.

How to open a Kids Account on inter?

Opening a Kids Account at Banco Inter is simple: just send a legible photo of the minor’s CPF and RG, as well as the person responsible for the bank’s application. The process is easy and completely online, without having to queue up and go to a bank branch.

To avoid any doubts when opening your Banco Inter Kids Account, follow this step-by-step guide:

  • Download the official Inter bank app (Android/iOS);
  • When starting, click on the “Open free account” tab;
  • Enter the requested personal data, in the same way as in official documents.

If you choose to open the Inter Kids Account through your computer or notebook:

  • Access the official website of Inter bank;
  • click on the “Open your free account” tab;
  • Enter the personal data that will be requested;
  • Download the application and proceed with your registration as requested.

Now, it’s up to you to decide whether it’s time to address this issue with your children or not.

Why are there no fees charged?

Banco Inter was created to be known as a sustainable bank, that is, one that manages to sustain itself without charging fees to its customers. This fact is possible, since the bank is digital, so it does not spend on expenses such as physical structure, energy, IPTU, etc.

In addition to not having costs like physical banks, Inter also profits from the use of its cards and other services that customers use, such as payroll loans, real estate financing and investments.

In summary, there are many advantages in creating an account for children and adolescents, as financial education is one of the best ways to generate conscious adults with a healthy relationship with their own money.

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