Account and card: different choices for your routine

What each service does

Before choosing

• Separate the account monthly fee, the card annual fee and per-use charges.
• Check included services, overage and the conditions of any fee waiver.
• See the statement closing and due dates and the cost of installment payments.
• Understand the costs of using the account limit, including after a promotional period.
• Check whether virtual card, digital wallet and additional card are available in the chosen contract.

How to organize a future opening

Review registration data, product, conditions and the responsible institution before authorizing the proposal. Identification and approval follow the requirements of the contracted channel. Do not send a bank password through this page.

The content of this page is informational: there is no personal account opening form or card issuance request available here.

Common questions

How to compare cards beyond the benefit

• Fixed cost: check the annual fee, the billing installments, the promotion validity and the conditions for a discount or waiver.
• Benefit you will use: compare points, cashback or miles with conversion rules, validity, cap, redemption and required spending. A conditional discount is not an unconditional waiver.
• Cost of credit: see the CET, interest and taxes before paying a purchase or statement in installments. An available limit is not income.
• Use abroad: check the applied exchange rate, fees, taxes and the conversion rule on the operation date.
• Management and security: confirm with the issuer the virtual card, alerts, blocking, digital wallets and dispute features. They vary by product and contract.

Read the contract and the current conditions before requesting. Account opening, limit granting and card issuance are distinct decisions of the responsible institution.

Tecbank does not issue or offer card contracting on this page. We do not attribute points, cashback, miles, waivers or services of another institution to Tecbank cards.

What to do about a suspicious purchase alert →

Before accepting an account opening

An opening screen with a CPF does not represent the whole contracting. Reading the proposal, the essential information and the general conditions must come before acceptance in the responsible institution's channel.

1. Check the account type: checking, salary and savings accounts do not have the same rules. Also check ownership and representation.
2. Choose services consciously: compare essential services, paid packages, included quantities, overage operations and discount conditions. An opening promotion does not guarantee permanent free service.
3. Separate the authorizations: opening an account is not the same as contracting credit, overdraft, advances, investments or a card with credit function. Read each choice and its conditions.
4. Understand costs and movements: see fees, interest, taxes, limits, debit rules and how the channels work. The available balance can include credit, not only your own money.
5. Keep what you accepted: confirm the documents version, the proposal, the choices, the receipt and the channel for questions. Your registration must stay up to date.
6. Check how to close it: not using the account does not mean closing it. Check balance, debits, linked products and the final closure confirmation.

The institution verifies identity and registration information and may refuse an opening. Documents, biometrics and passwords must be handled only in the proper channel, when there is a real contracting.

This checklist is not a Tecbank contract and does not represent acceptance of another institution's conditions. Personal account opening and the documents area are not yet available here. Do not send a CPF or documents in this guide.

Card requested and not received

1. Confirm with the issuer whether there was approval and issuance. A submitted request does not mean an issued card.
2. Check the deadline informed for your request, the address and the delivery status in the app or official channel.
3. If the deadline passed or an unknown delivery appears, notify the issuer, ask for protection or blocking guidance and keep the protocol number.
4. Do not give activation codes to a supposed courier nor pay a fee received by message without checking the official channel.

Delivery time, reissue, virtual card and activation vary by issuer and contract. We do not use another bank's deadline as a Tecbank promise.

Compare the cost before the benefits

Annual fee, conditional discount and permanent waiver are not the same thing. Check minimum spending, the required package, the promotion duration and what happens if you stop meeting the criteria.

Points, miles, cashback and VIP lounges have their own rules: see eligibility, limits, validity and possible costs. Do not increase spending just to reach a benefit. Issuance and limit depend on the issuer's analysis.

This guidance does not advertise cards, points, cashback or Tecbank approval. The provider and the personal contracting channel are not yet defined on this portal.

Additional card, withdrawal and unblocking

• Additional card: confirm who can use it, the shared limit, the available controls and the holder's responsibility for spending and payment.
• Cash withdrawal on credit: do not confuse it with withdrawing account balance. In the consulted bank's contract, a domestic withdrawal bears interest from the operation, IOF tax and a fee; check your card's current condition and the total cost before using it.
• Unblocking and authentication: use only the issuer's app or official channel. Do not give a password or code in messages from supposed attendants.

Tecbank does not issue additional cards, release withdrawals or unblock cards through this guide.

International purchases: check the statement's exchange rate

The bank's quote page allows consulting the rate used in international card purchases by period. This is not a general real-time dollar quote nor a Tecbank exchange rate.

Check the original currency, the date considered, the applied conversion, the IOF tax and other costs in the issuer's contract and statement. In the consulted bank's contract, the provisional estimate in reais can change until the final amount is confirmed.

If the merchant offers conversion to reais at the purchase itself, compare the rates and additional costs before choosing. The chargeback amount also deserves checking.

This portal does not receive card data, does not consult your statement and does not show a current rate without a verified source.

Contract and statement payment

Read the issuer's current contract before contracting. Check fees, interest, CET, limits, international use, additional cards, cancellation and dispute channels. Keep the accepted version and proposal.

Paying only part of the statement does not settle the rest. In the consulted bank's contract, the balance may enter revolving credit or financing, with interest and IOF. Purchase installment, statement installment and automatic installment are different operations: compare the CET and the total before confirming.

The bank's PDF of October 6, 2025 was used only as an educational reference, not as a Tecbank contract or acceptance. Your issuer's conditions may be different.

Before starting an opening

Separate the purpose of the personal account and the business account. Compare included services, fees, discount conditions and the channel that will run the analysis. Opening an account does not guarantee a card, a limit or approved credit.

The bank's reference separates individuals and businesses before registration. Here you find guidance: Tecbank personal account opening still depends on defining the provider and the authorized channel. Do not send a CPF, bank password or document through this guide.

Premium account: weigh what you actually use

Priority service, points, VIP lounges and travel advantages may depend on eligibility, an approved card, spending or investments. Check the maintenance conditions, guest limits and the annual cost, including when a benefit loses its free condition.

Do not confuse a Brazil account, a relationship segment and an international account. Select, Select Global and their benefits are the bank's references, not Tecbank services or promises.

International account and international card are not the same

An account with balance in foreign currency and a debit card has a different dynamic from an international purchase on a credit card. Compare the available currency, conversion, taxes, possible ATM fees, limits, balance refund and eligibility. "Fee-free withdrawal" may apply only in a specific network.

The Select Global reference describes a dollar account and app use, subject to the bank's approval and conditions. This does not enable exchange, an international account or investment movements at Tecbank.