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Nubank Cashback: see how to receive and multiply the acquired values!
Have you ever imagined buying, getting part of your spending money back and still seeing it yield 200% of the CDI in your account?
It seems like a lie, but that's exactly what Nubank is offering its Ultravioleta customers.
So, keep reading this text and find out more! See our index below.
What is CDI?
You've probably seen this acronym somewhere, or even in your bank's app. Although it sounds like a good thing, you don't know exactly what it means, right?
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Therefore, I will write to you in a simple and quick way. what is CDI, so that you have a better understanding of the text.
The acronym CDI stands for Interbank Deposit Certificate. It is not an investment model, therefore, individuals cannot invest directly in it.
Therefore, CDI are securities issued by financial institutions, and can only be traded between them.
It works like this: bank X had a cash surplus and lent this amount to bank Y, which in turn did not have a cash surplus.
In fact, it is a loan model and also has rates pre-defined by the institutions.
As it is a cash surplus loan, it lasts for a short period of time, usually with a contract lasting just one day.
The transaction information is stored by the responsible body and the rates are calculated, in fact, these rates are what we call CDI.
Therefore, CDI is the rate encouraged for transactions between banks. It serves as an interest rate parameter and to evaluate the return on investments.
Now, you must be wondering why the money saved in your account is based on the CDI rate, even if you don't have any investments, right?
So, it works more like an advantage of each bank or financial institution, it allows your saved money to have a return according to this rate.
This is advantageous for you and the bank as well.
Therefore, the ideal is to opt for institutions that have this promise, money yielding more than savings with the CDI rate.
The other advantage is that your money is available to you whenever you need it, however, the longer it stays in the account, the higher the returns will be.
Did you manage to understand a little about what CDI is?
Therefore, know that your Nubank account, in addition to making your money yield up to 200% according to the CDI rate, you also earn Nubank cashback.
So, read on and find out more.
Nubank Digital Account
With the Nubank digital account You can make and receive payments in seconds using Pix.
Furthermore, the annual fee is free and users have access to a range of free services, without having to pay fees or charges.
See below a summary of the main actions you can perform with the Nubank digital account:
- Salary portability;
- Account with 100% CDI yield
- Simple and fast cell phone recharge;
- Collection between friends;
- Payment of any bill;
- Online purchases with debit;
- Withdrawals from ATMs throughout Brazil;
With this account, you can still request a debit or credit card and, finally, still earn the Nubank cashback.
Nubank Cashback
Nubank Ultravioleta card customers have access to Nubank cashback and yields of up to 200% of the CDI.
It works like this: pay for all your purchases with the card Ultraviolet in the credit function and earn 1% cash back.
The balance never expires and if left in the account, it can yield up to 200% of the CDI per year, in addition, it is available for you to use whenever and however you want.
In addition, customers of this card can also count on Mastercard Black benefits, for example:
- VIP room;
- Protected purchases;
- Baggage insurance;
- Travel health insurance;
- Wi-fi at any airport;
- Double the warranty.
Another interesting benefit for those who are always traveling is that you can exchange the points received with Nubank cashback for miles.
See below how to do it:
First, go to the cashback area in your Nubank digital account and click on “Exchange for miles”.
Once done, enter how many miles you want to send to Smiles and confirm.
Then, enter your 4-digit password and that's it! You can now use your miles!
How to use Nubank cashback to invest?
You can still use cashback to invest, it's simple and easy, see the step by step below:
Access the cashback area of your account and click on “Use Cashback > Send to Nu Invest”.
Finally, simply select the amount you want to send and confirm. After entering your 4-digit password, the money will go directly to your Nu Invest.
How do I apply for the Ultravioleta card and earn Nubank cashback?
The Nubank Ultraviolet card is being released gradually, and like the Roxinho, it will undergo credit analysis.
To apply, click here and open your account to request the Ultravioleta or Roxinho credit card.
Another way to apply is by directly downloading the application and opening an account.
It is available for Android and IOS.
Summary
The Nubank digital account is one of the best today for several reasons, including the benefits it offers its users.
Therefore, Nubank cashback with a yield of 200% of the CDI is one of them. In other words, in addition to earning money back, you can also multiply this amount.
Certainly, no other digital account offers this advantage, so take advantage and request your Nubank account and card now.
If the world of cashback is new and unknown to you and you still have many doubts about how it works, be sure to check out our Cashback Guide.
