How to use the digital account and save with PIX?
Want to know how to use your digital account and save money with PIX? Then you're in the right place!
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To bring the benefits of technology to your finances, it is important to know how to use a digital account.
These apps help you save time and money, offering more convenience to your life.
With the popularization of PIX, digital accounts can bring even more advantages to your life.
And if you want to know more about the subject, keep reading. We will explain how it all works.
What is a digital account?
A digital account is a type of account that allows you to manage your money online, either through an app or website.
With a virtual bank account, you can carry out transactions and various types of financial operations online.
In other words, it is no longer necessary to go to the bank to carry out simple services, such as paying bills or making transfers.
They tend to be cheaper and less bureaucratic. In fact, these are some of the reasons why so many people are already using this type of account.
Additionally, many of them offer credit card with no annual fee.
How to use the digital account?
It is very simple to use a digital account.
Basically, all you need to do is install the app on your cell phone, register and that's it!
Once everything is in order, you can perform various services, such as:
• Pay bills
• Make transfers via PIX
• Ask for loans
• Have access to investments
• Transactions using credit or debit card
Regarding withdrawals, you can request a card so that you can withdraw money from ATMs 24 hours a day!
There are many digital accounts at different financial institutions. They are generally very similar.
As these digital accounts are free, You can choose the one that best suits your needs or register with several of them.
How to open a digital account?
The account opening process varies depending on the financial institution.
But as we've already said, most of the time, you just need to download the bank or fintech app, enter your personal details and confirm your identity.
This entire process is carried out securely and 100% virtually.
After registration, the financial institution in question will perform an analysis to release the account.
How to use a digital account and PIX?
PIX revolutionized the method of making transfers and payments.
Nowadays, it is very difficult to find someone who does not have at least one PIX key.
You can use it in both your traditional bank account and a digital bank account.
There are a few ways to make transfers and payments with PIX. They are:
• Providing payment details with PIX: go to the PIX area of your bank's app, enter the PIX key or bank details and the amount.
• QR Code Reading: The QR Code is generated by the person who will receive your payment. This option is also available in the PIX area. After selecting it, your bank's app will open the camera to scan the QR Code.
• Entering a PIX code: This code is generated through a QR Code. Copy the code (which is provided by the person who will receive the payment) and paste it into your bank's app.
What are PIX keys?
PIX keys can be:
• CPF/CNPJ
• Cell phone
• Random key
All options are simple and safe.
However, if you do not feel comfortable sharing some personal data, you can use the 32-character random key generated by the Central Bank specifically for that account.
Why use PIX in your digital account?
Digital accounts and PIX are the best options for those looking for practicality and efficiency.
The good news is that, just like traditional accounts, digital accounts are now also offering this payment method to customers.
Among the main advantages of PIX, we can mention:
1. Availability
Remember when you had to go to a physical bank branch to make a payment?
Now, this is no longer necessary. After all, the service is available 24 hours a day, 7 days a week.
Furthermore, you no longer need to wait for “banking hours” to make transfers, much less wait for the business day to arrive for the money to be deposited into your account.
2. Cost reduction
Bank transfers, in addition to being slow, cost more for the consumer.
With PIX, you can make transfers (from individuals to individuals) without having to pay anything.
For small business owners, there is a small cost to receiving payments. Even so, this cost is relatively low when compared to other payment methods.
In fact, this is one of the reasons why PIX emerged: to reduce costs in financial operations and thus increase competition in the sector.
3. Agility
With PIX, you make and receive payments instantly.
Just enter your PIX key, insert the amount, your password to make online transactions and that's it! If you need to receive a payment, just inform your key to the payer.
In a few seconds, the whole process will be completed.
4. No bureaucracy
One of the main complaints Brazilians have about traditional banks is the bureaucracy involved in some processes.
This is one of the main advantages of digital accounts.
Processes that previously took longer to complete can now be done in just a few seconds.
And this is one of the advantages that PIX also offers you. After all, there is no bureaucracy whatsoever in this payment system.
The transfer amount simply goes directly from the account of the person making the payment to the account of the recipient.
Conclusion
Now that you know how to use the digital account and save with PIX, it will be easier to control and optimize your financial life!
Digital accounts and PIX are the best options for those looking for practicality, savings and agility.
When you create an account with a digital bank, you only need to register a PIX key. This way, you will be able to make payments and transfers with just a few clicks!
