Using Inter is free for main day-to-day operations. There is no maintenance or annual fee for debit, credit or international cards.
The digital financial institution has the low or zero cost of services as one of its differentiators in relation to traditional banks, in addition to technological platforms with centralization of services.
Accounts and day-to-day transactions have no fees
Inter customers do not pay a fee for maintenance fees or annual fees for cards contracted with the financial institution. The focus is on ensuring a practical and economical ecosystem, with the minimum cost of managing personal finances and accessing services.
Alexandre Riccio, CEO of the company in Brazil, about how the digital structure of the platform and its services provides lower operating costs and advances in generative artificial intelligence.
“It’s a business model that was born with all the cloud computing part, with a lighter structure”, he highlighted. “We have a cost per active customer of just over R$10very low because of these technologies”.
What are the prices for each service?
Current account and Pix services
- Account opening and maintenance: free
- Pix and TED: free
- Deposit per ticket: free
- Withdrawals at Banco24Horas: four free withdrawals per month, and R$6.40 per withdrawal from the fifth
- Transfer between accounts of the same institution: free
- Check clearing: free
Credit card and global account
- Account opening, maintenance and annual fees: free
- Issuance of a 2nd physical copy: for cards with national and global debit function it is free, in other cases R$ 10.00 may be charged
Credit usage fees
- Revolving interest (in arrears): 17.90%
There are several cost advantages to investing
For beginners or experienced investors, Inter offers a series of benefits and tools that reduce the cost of making investments and financial redemptions.
Brokerage fee
The brokerage fee is zero for trades via which means that in addition to not paying for brokerage, you also do not pay for custody to buy and sell shares, FIIs, ETFs or BDRs through the Super App or the institution’s internet banking.
The only charge on operations are B3’s mandatory costs: settlement fee and fees, approximately 0.03%.
Other costs
Although Inter does not charge other fees on investments, depending on the type of fund or investment, there may be Income Tax or percentages on profits and dividends obtained.
Questions and answers
How much does it cost to use Banco Inter on a daily basis?
Inter’s personal digital account has no monthly fee and the credit card has no annual fee, so basic use of the bank on a daily basis can, in practice, cost zero for most customers.
When do I start paying to use Inter?
You start paying when you exceed the free service limit (for example, from the 5th withdrawal in the month) or when you use specific products, such as payment orders, some exchange services, credit interest and invoice installments. These charges are usually regulatory fees, such as IOF and Banking Spread.
Do companies and MEI pay more to use Inter?
For MEI and PJ Digital, there is no monthly account fee, which is a difference compared to traditional banks. Additionally, there are several free services included in the account.
What are the rates for investing in fixed income (CDB, LC, LCI, LCA) at Inter?
For CDBs and other fixed income securities offered directly by Inter, no administration fee is charged, only Income Tax and, if applicable, IOF are charged.
What taxes do I pay when investing in shares through Inter?
Those who operate shares and ETFs via Inter are subject to the IR rate on profits (different percentage for swing trade and day trade), in addition to B3 fees; It is the same tax regime applied to other brokers, not an exclusive charge for Inter.
