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A high-income checking account is the smartest way to manage your finances and assets. Learn how to open yours in 24 hours and explore the best options on the market.
If you're interested in increasing your wealth through investments, we have an opportunity for growth. First of all, the high-income checking account has undergone many positive changes over the years.
After all, what was exclusive and bureaucratic only for a few, is now available to consumers with a minimum income of R$1,000,4,000 and with many advantages when it comes to financial investments.
Aiming for a complete experience, we at Cred Consultation We've selected the best checking account options for high-income earners available on the market. So, read this article to the end and discover great options to open yours in 24 hours. Check it out!
What is a high-income checking account?
First of all, a high-income checking account is a financial product exclusive to customers with a minimum income above R$8,000.00. The main objective is to increase the number of investments in the bank and multiply profits with financial investments.
Thus, financial institutions offer an integrated investment account and a specialized investment advisor to assist clients in decision-making. In fact, at some banks, the larger the investment balance, the lower the credit card maintenance and annual fees.
Santander Select High Income Checking Account
- Fee-free international withdrawals
- Personalized service
- 10 days interest-free on account limit
- Credit card with unprecedented benefits
At first, the Santander Select is an exclusive account for high-income clients. Furthermore, doctors have a personalized rate package with more affordable prices. And, all of the bank's Select customers have access to investment and advisory options.
In fact, depending on the value of the investment, the client can earn 100% exemption from charging fees related to the service package. Another key highlight is international service, as Santander currently operates in nine countries: Portugal, Germany, Argentina, Chile, Spain, the United Kingdom, Mexico, Poland, and Uruguay.
Benefits of the Santander Select high-income checking account
Fee-free international withdrawals: One of the first benefits to highlight is the fee-free withdrawal of foreign currency using the debit function. Customers can do this at any Santander ATM worldwide.
Personalized service: In addition to having a comfortable and exclusive space at Santander branches, Santander Select high-income customers have access to specialized professionals to monitor their financial life and investments.
10 days interest-free on account limit: Register your CPF and cell phone number with PIX keys and get 10 interest-free days to use your account limit. Exclusive for last-minute payments and transfers.
Credit card: the account has two exclusive credit cards, the Santander Select Elite and the Santander Select Unique. Approval and limits are released based on the customer's credit analysis and consumption profile.
Santander Select Elite
First of all, the Santander Select Elite credit card has a reduction in the annual fee whenever you reach R$2,000.00 on your statement. In fact, there are up to 5 additional cards available without charging a feeCustomers also participate in the Esfera points program and earn 1.5 for every dollar spent to exchange for products and travel.
Santander Select Unique
With Santander Select Unique, the customer has more benefits when it comes to accumulating points, because, each dollar spent corresponds to 2 points in the Esfera program. Furthermore, with a minimum spend of R$ 7,000.00 on the invoice, the annual fee is waived. Furthermore, another possibility for a discount on the fee is to maintain at least R$ 30,000.00 in investments in the bank.
Itaú Personality
- Investment advice
- Diversification of financial assets
- Exchange with special rates
- Credit with investment guarantee
- Black credit card
Our second current account recommendation for high net worth consumers is Itaú PersonalityAfter all, customers enjoy a variety of benefits, especially when it comes to investments.
Present in the financial market for over 25 years, Itaú is a pioneer when it comes to products aimed at high income earners and the main highlight, as mentioned in the previous paragraph, is investments.
Benefits of the Itaú Personnalité account
Investment advisor: One of the first and main benefits of the Itaú high-income checking account is that the client has access to an investment specialist to advise them. All professionals are certified and have the expertise to understand the market and advise on the best investment option for their profile.
Diversification of financial assets: The bank offers a complete line of financial investments, from basics like CDBs to cryptocurrencies. This allows you to diversify your portfolio and concentrate your investments in a single location.
Exchange with special rates: If you frequently send and receive money from abroad, you should know that customers with this account have access to special exchange rates. Additionally, the institution works with 10 types of foreign currencies and the procedure is 100% digital.
Credit with investment guarantee: If you need a loan, one option is to use your investments as collateral to access lower rates. Selecting this option results in a longer repayment term, extending to 72 months. The customer only pays the first installment 6 months after signing the contract.
Black Credit Card: To improve your experience when joining the account, you receive a Black credit card Exclusive for investors. Keeping R$ 50,000.00 in the bank or spending a minimum of R$ 10,000.00 on your statement will result in a free annual fee.
Personnalité Mastercard Black credit card
THE Personnalité Mastercard Black credit card is available to account holders upon credit analysis. One of the major differences is the non-expiring points system and every dollar spent corresponds to 2 points for national purchases and 3 for international purchases.
In addition, the card also offers Cashback, a stay in the VIP lounge at Guarulhos airport and right up to 6 additional credit cards no annual fee. Another advantage is in relation to the treats such as the gastronomic benefits it provides discounts at restaurants most renowned in Brazil!
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How do I open an Itaú Personnalité account?
From now on, you can open your account either at a physical branch or online. For a digital opening, the first step is to select the app. “open account” and inform the CPF number.
Next, upload a photo of your documents with a selfie and customize your service package. Afterward, just wait for the credit analysis and, if necessary, visit a branch to complete the formalization process.
In fact, by opening your account right now you have 1 year of exemption from fees on your account and Black credit card!
C6 Bank High Income Current Account
- No fees
- International Global Account
- Free toll tag
- Investment with 0 brokerage fees
- Mastercard Black credit card
Lately, the C6 Bank gained a notable preference among high-income consumers, due to exemption from tariffs in the current account and a wide variety of financial products.
Furthermore, withdrawals and transfers are unlimited and free of charge and just like the Personnalité Black credit card, points do not expireC6 Bank also offers investment advice with real-time monitoring through TechInvest.
Benefits of the C6 Bank account
No fees: Regardless of the financial transaction, there are no fees and withdrawals and transfers are unlimited.
International Global Account: Buy, send, and receive money abroad with very affordable rates. Another option is to convert your local currency to euros or dollars and spend with your debit card. In the end, the amount ends up being more affordable than using an international credit card.
Free toll tag: C6 Bank guarantees customers the advantage of traveling without having to wait in toll lines. With Tag, the amounts are automatically deducted from your account. And best of all, no monthly or issuance charges.
Investments with 0 brokerage fees: To invest through the bank, you don't need to pay brokerage or custody fees; the process is completely free. The investment products are comprehensive, including BDRs, ETFs and Futures Markets.
Mastercard Black credit card: After credit analysis, the customer has access to a Mastercard Black credit card with up to 4 free toll tags and up to 6 additional credit cards with no annual fee.
C6 Carbon Credit Card
In fact, the best credit card on the account is the C6 Carbon Mastercard, recommended for those seeking more exclusivity and comfort. After all, customers have access to several VIP airport lounges and travel benefits.
Furthermore, every dollar spent on the card is worth 2.5 points with no expiration dateAnd whenever you want, you can exchange them for airline miles or selected products. However, there is an annual fee of R$ 85.00 and when investing at least R$ 50,000.00 in CDB the annual fee is zero.
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How to open a C6 Bank high-income checking account?
In advance, the procedure for opening a checking account at C6 Bank It's very simple. Everything is done online through the mobile app; just enter your CPF number and other information. Then, wait for the credit analysis to confirm. Once everything is clear, accept the terms and conditions to start enjoying all the benefits.
High Income Checking Account at Banco Safra
- Specialized advice
- Integrated investment bank
- Advantageous account credit card
- Special rates
In advance, the Banco Safra current account offers many advantages to the high-income group, both in banking services and investments. After all, with a single application, you can find credit cards, investments, and special rates for loans and financing.
With the account already opened, the customer has access to Individual Banking at Banco Safra, an investment bank exclusively tailored to your profile. The platform has specialized management, and all referrals are based on fundamental analysis and in the current economic scenario.
Benefits of Banco Safra's checking account
Specialized advice: When opening an account, the customer can contact experts in the field to find the best investment options.
Integrated investment bank: access to an investment bank with products selected by experts and with reports and analyses prepared periodically.
Account credit card: The account's credit card has a very advantageous limit and a Visa Platinum banner with several amenities.
Special rates: through credit analysis, customers have access to special rates on loans and financing.
Safra Visa Platinum and Infinite Credit Card
THE account credit card The standard is the Visa Platinum, but there is also the option to apply for the Infinite. Both offer exclusive travel benefits, but Visa Infinite offers more coverage as:
- VIP rooms;
- Baggage and boarding delay coverage;
- Medical insurance and missed connection protection.
How do I open an account at Banco Safra?
At first glance, to open an account at Banco Safra, you need a minimum income of R$1,000.00. To apply, simply enter your details and submit the requested documents. Then, wait for your credit report. Once everything is in order, enjoy the benefits and configure your options!
Conclusion
In short, a high-income checking account is the smartest way to manage your finances and assets. As we've seen throughout this article, the process is now completely digital, eliminating the need for bureaucratic procedures.
Furthermore, banks with physical branches such as Santander and Itaú have a personalized and exclusive space to serve your customers. Although digital banks don't have this infrastructure, the service doesn't leave anything to be desired.
Well, the platforms have technologies of 24-hour service and advice from highly qualified and certified financial advisors. All this directly from your smartphone screen, without the need for a formal visit.
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