Is it safe to invest in Inter? See how investment protection works

Investing money raises doubts in many Brazilians, especially when it involves digital platforms. Security, data protection and the institution's reliability often weigh in on the decision of those who want to start investing or transfer assets to a new brokerage.

In the case of Inter, the growth of the investor base and the expansion of the Super App reinforced the debate about how the platform's security works. After all, is it safe to invest in Inter? The answer involves factors such as regulation, technology, financial protection and operational structure.

Is investing in Inter reliable?
Yes. Although many associate the bank with the digital universe, the institution has a trajectory that began in 1994, still as an Intermedium financial institution. Over the years, the group underwent transformations until it was consolidated as a multiple bank regulated by the Central Bank and these steps involved:

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- Regulation by the Central Bank
- Launch of the 100% digital account
- Expansion of the investment platform
- Integrated offer of financial services
- IPO on B3
- Growth of the investor and customer base

Today, the Super App brings together banking solutions, marketplace, cashback, investments and financial services in a single digital environment.

Inter's security mechanisms
Process security involves technology, monitoring and internal flows aimed at protecting the operations carried out in the application. In this scenario, the main differences are:

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- Digital platform with cybersecurity features
- Transaction protection tools such as i-Safe
- Constant monitoring of operations
- Teams specialized in technology and security
- Investment environment integrated with the Super App
- Control and monitoring of applications in real time

In addition, the application allows investors to monitor financial transactions directly via cell phone, bringing more autonomy and transparency to investment management.

Are investments in Inter protected by the FGC?
Yes, some products available on the platform are covered by the Credit Guarantee Fund (FGC). This protection applies to certain fixed income investments issued by financial institutions such as:

- CDBs
- LCIs
- LCAs

The FGC covers up to R$250,000 per CPF and per financial institution, in cases such as bankruptcy, liquidation or intervention by the issuing institution. Another indicator frequently analyzed by the market is the Basel Index, which measures the relationship between the bank's own capital and the risks assumed in its financial operations. According to data presented by Inter, the institution operates above the minimum index required by the Central Bank.

What investments are available on the Super App?
The platform offers different modalities for conservative, moderate and bold profiles. The objective is to allow the investor to create a portfolio aligned with their own financial objectives. The available options are:

- Savings
- CDBs
- LCI and LCA
- Tesouro Direto
- Investment funds
- Real estate funds
- Shares
- Own Home Broker
- Private pension
- Cryptocurrencies
- International investments

In addition to the diversity of products, the application also offers educational content and support to help beginner investors better understand how the financial market works.

Do Inter services have fees?
No. One of Inter's best-known features is the digital model without charging fees for various financial services. This happens because the institution operates with a mostly digital structure, reducing traditional costs of the banking system.

Some factors are part of this model:

- Absence of physical branches
- Automated processes
- Integrated digital operation
- Reduction of operational costs
- Revenue generated by financial products and services

In practice, the customer operates the account, uses a card, makes purchases at Inter Shop, invests and contracts financial products within the Super App ecosystem. With regulation, FGC protection on certain assets, digital security tools and an integrated investment platform, Inter seeks to offer a safe and accessible experience for those who want to invest via cell phone and monitor the financial market in a practical way.

Source: CNN