Expanding access to financial services practical and low-cost way These are characteristics that place Inter as one of the institutions that improve financial inclusion in Brazil.
This type of democratization includes access to credit, savings, payments, insurance, pensions and investments by groups with greater potential for vulnerability, such as low-income people, the elderly and residents of rural areas.
According to the published by the Central Bank (BC) in April this year, offering payment alternatives for people of all income and education levels, as well as small businesses and micro-entrepreneurs, brings significant benefits to the Brazilian scenario.
Cell phones are already an important channel for accessing financial services
O Mobile is an important channel for financial products and services at lower costs. According to the Central Bank study, there is greater potential to serve populations that were previously excluded from formal financial systems around the world.
The use of the device for financial transactions continues to grow: the amount of transactions carried out in 2024 was already six times higher than in 2020.
In the case of Inter, this translates into : the platform centralizes all day-to-day needs in the application, including that executes demands and responds to user queries.
Additionally, basic financial services are free:
- Withdrawals and deposits (including by bank slip);
- Points and cashback program;
- Cell phone and account recharge;
- Open Finance (sharing data and services between institutions);
The options also include different customer profiles: there are accounts for PJ (Legal Entity) of different sizes, in addition to international account with a balance in dollars.
Fintechs lead transactions with Pix
The 2025 Financial Citizenship Report shows that from 2020 to 2023, there was a clear upward trend in the use of Pix. Still, the , presented, on average, the highest transaction volumes in the period for the modality in comparison with traditional public and private banks.
The payment method has become popular in Brazil in recent years, and is considered by the Central Bank as a vector of inclusion of the low-income population in the financial system.
In addition to the most common services, such as traditional Pix, Pix on credit, scheduled and automatic, Inter also has which protect against improper transactions under duress, violence or after robbery and cell phone theft.
Financial education and investments are also part of financial inclusion
With the use of digital devices such as cell phones and computers, it is possible to access text and video tutorials on on the Inter website and app.
So, learn about personal finance planning, how to create an emergency fund and evento protect the family’s money and assets is part of the services offered by the financial institution.
The BC survey showed that progress in financial inclusion is accompanied by greater diversification in investment choicesespecially among young people. More than 25% of Brazilians have an investment account.
Furthermore, there was a 270% growth in the number of customers of what the Central Bank calls term deposits, with a 66% increase in the use of this type of investment. One of the explanations for these data is the emergence of “paid current account” from financial institutions, as is the case with Inter’s digital account.
For clients who are starting to organize their financial lives, there is the to create a reserve, with high liquidity and good profitability, or even debt renegotiation options.
