Banco Inter built the deepest free-account super-app in Brazil. Account, broker, mortgage, Inter Shop, Inter Loop, dollar account, pension plans, and insurance all live in one place. The trade-off is screen weight. Users on Reddit Brasil regularly note the home screen tries to do too much, account opening for the international tier hits paperwork it once skipped, and Inter Shop cashback rates have narrowed on the biggest partners. If the super-app strategy has stopped paying off for your everyday use, the Brazilian fintech market has Inter alternatives that pick a focus and stay there.
This guide compares 7 Banco Inter alternatives, with each pick optimised for a specific Inter feature you might be using, from the account to the brokerage to Inter Shop cashback.
Quick comparison
| App | Best for | Yield on balance | Card annual fee | Standout |
|---|---|---|---|---|
| Nu | Cleaner everyday account | 100% CDI Caixinha | None | Quiet home feed |
| C6 Bank | Rewards stacking | Standard | None | Átomos points and C6 Global |
| Mercado Pago | Wallet plus yield | Up to 105% CDI | None | Mercado Livre installments |
| PicPay | P2P and bill installments | 102% CDI | None on standard | Pix installments to friends |
| PagBank | Wallet plus POS | Up to 100% CDI | None | Same app for selling |
| Bradesco Next | Traditional-bank backing | Standard | None | Bradesco’s ATM and branch network |
| iti Itaú | Itaú-backed digital | Standard | None | Quick onboarding with Itaú compliance |
Why people leave Banco Inter
Inter still wins on raw feature depth, but the super-app strategy has costs.
- Home screen tries to do too much. Inter Shop, Inter Loop, Investments, and credit offers all compete for the first scroll. Users routinely ask for a slimmer home view.
- Inter Shop cashback narrowed. Promotional rates on Amazon, Magalu, and similar partners settled into lower single digits compared with earlier peaks.
- Credit limit aggression. Users report unsolicited credit card limit increases that some flag as risky for impulsive spend.
- Customer support volume. Inter Loop and Inter Shop promotional periods slow support response times.
- International account paperwork. The USD account onboarding picked up document requests that the marketing implies it skips.
Which Banco Inter alternative should you choose?
- Nu if you want the quiet, focused account Inter was three years ago.
- C6 Bank if rewards matter more than feature depth.
- Mercado Pago if Mercado Livre is your default marketplace.
- PicPay if Pix installments and bill installments matter.
- PagBank if you also accept payments.
- Bradesco Next if you want digital with traditional-bank backing.
- iti Itaú if Itaú’s risk and compliance are part of the appeal.
1. Nu — best Banco Inter alternative for a quieter app
Nu does what Inter used to do before the super-app expansion. The home screen leads with the account balance and the card, not Inter Shop banners. The Caixinha pays 100% of the CDI without conditions, and the credit card has no annual fee. The investment platform is smaller than Inter’s, but covers what most users actually use.
Where it falls short: No home broker. No mortgage origination. International account is more limited.
Pricing: Free account. Card with no annual fee. Pix free and unlimited.
Nu vs Banco Inter: Nu wins on UI restraint and a clearer everyday flow. Inter wins on investment depth and Inter Shop.
Bottom line: Pick Nu when you want a bank app that stays a bank app.
2. C6 Bank — best for rewards on every spend
C6 Bank’s Átomos points pay on debit, credit, and Pix-on-credit. The free Carbon card earns across categories and the C6 Global account ships with USD, EUR, and GBP balances at no monthly fee, simpler than Inter’s international tier paperwork. The investment platform covers basics with cleaner navigation than Inter’s stack.
Where it falls short: Inter’s home broker is more capable. Inter Shop has a wider partner network than the C6 marketplace.
Pricing: Free account. Carbon card free. C6 Global free in standard tier.
C6 Bank vs Banco Inter: C6 wins on rewards and simpler multicurrency onboarding. Inter wins on brokerage depth.
Bottom line: Pick C6 if the card runs most of your spend and you want compounding rewards.
3. Mercado Pago — best for yield on the default balance
Mercado Pago pays up to 105% of the CDI on the account balance from day one, subject to a monthly-deposit minimum. The wallet handles Pix, the card has no annual fee, and Mercado Livre installments up to 18x run through the wallet directly. Crypto purchases are integrated for users who want exposure without a separate exchange.
Where it falls short: No home broker. Investment menu is narrower than Inter’s. Home feed pushes Mercado Crypto and Linha de Crédito.
Pricing: Free account. Card with no annual fee. Yield conditions apply at the top tier.
Mercado Pago vs Banco Inter: Mercado Pago wins on default-balance yield and marketplace integration. Inter wins on investment breadth.
Bottom line: Pick Mercado Pago when the account is mostly a yield vehicle and a Mercado Livre payment rail.
4. PicPay — best for P2P and bill installments
PicPay handles Pix in installments up to 36x, a feature Inter does not offer in the same form. Bill payments can be installed up to 36x with a credit card. The Caixinha pays 102% of the CDI, and the card tier programme rewards higher spenders.
Where it falls short: No home broker. International account is limited. Cashback rates have shrunk on partners.
Pricing: Free account. Standard card with no annual fee. Black tier has conditional fee based on spend.
PicPay vs Banco Inter: PicPay wins on P2P installments and bill installments. Inter wins on overall account and investment depth.
Bottom line: Pick PicPay when you Pix friends weekly and want to split big bills.
5. PagBank — best for combined personal-business use
PagBank ships the personal account alongside a Point card machine. The same app handles Pix, the credit card, the savings tier, and the merchant terminal. Inter’s PJ account is separate from the consumer app.
Where it falls short: Investment menu narrower than Inter’s. Merchant UI adds clutter for personal-only users.
Pricing: Free account. Point machine has zero rental, zero monthly fee.
PagBank vs Banco Inter: PagBank wins on integrated personal-merchant flow. Inter wins on consumer-side feature depth.
Bottom line: Pick PagBank if the same person needs an account and a way to take payments.
6. Bradesco Next — best for digital with traditional backing
Next is Bradesco’s digital subsidiary. The free account ships with a credit card with no annual fee, Pix is free and unlimited, and the app sits inside Bradesco’s branch and ATM network for cash deposits and withdrawals. Investments route into Bradesco’s broader platform.
Where it falls short: Slower app than Inter or Nu. Some features round-trip to Bradesco’s full app.
Pricing: Free account. Card with no annual fee. Pix free.
Bradesco Next vs Banco Inter: Next wins on branch and ATM network access. Inter wins on app speed and brokerage depth.
Bottom line: Pick Next if you still need a branch occasionally but want the rest of the experience digital.
7. iti Itaú — best for Itaú-backed simplicity
iti is Itaú’s digital-first account, with the same lightweight feel as Nu but inside Itaú’s compliance and customer-service infrastructure. Pix is free, the credit card has no annual fee, and account opening completes in a few minutes. Investments route into Itaú’s broader platform with extra steps.
Where it falls short: Investment surface less direct than Inter’s. Some features lag the full Itaú app.
Pricing: Free account. Card with no annual fee. Pix free.
iti Itaú vs Banco Inter: iti wins on traditional-bank compliance backing. Inter wins on independent feature pace.
Bottom line: Pick iti if you want a digital account with the safety net of an established bank.
How to choose
For the cleanest one-to-one swap that keeps a free account and a no-fee card without the Inter Shop overhead, install Nu. The home screen alone justifies the move for many.
For yield on a default account, Mercado Pago at the top tier and PicPay at 102% both beat Inter’s standard. Inter remains competitive on tiered CDB options.
For card-driven rewards on every spend, C6 Bank’s Átomos beats Inter Loop on stacking. For combined personal-business use, PagBank is the only app on this list that ships a card machine with the consumer account.
For users who still value branch access for occasional cash or paper documents, Bradesco Next or iti Itaú both deliver digital experiences backed by traditional-bank infrastructure.
Stay on Inter when you actively use the home broker, hold the international USD account, or rely on Inter Shop cashback for routine partner purchases. The super-app strategy pays off when you use most of it.
FAQ
What is the best Banco Inter alternative for investments? For brokerage depth in a single app, very few neobanks match Inter. C6 Bank is the closest competitor on a cleaner interface. For pure yield, Mercado Pago and PicPay both beat Inter’s default.
Is Nubank or Banco Inter better? Nu is better for users who want a quiet, focused banking app. Inter is better for users who want a brokerage, mortgage origination, and a rewards programme in the same place.
Can I keep both Banco Inter and another bank? Yes. Many Brazilians run two or three accounts and route specific use cases. Pix transfers between them are free and instant.
Which Inter alternative has a multicurrency account? C6 Bank’s C6 Global is the closest direct competitor and lands with simpler onboarding than Inter’s international tier.
Is Bradesco Next the same as Bradesco? Next is Bradesco’s digital-first subsidiary. It uses Bradesco’s underlying infrastructure but ships a different app and a separate account number.
