Does Inter charge an account maintenance fee? All about the fee structure

Inter does not charge an account maintenance fee, and basic financial products are also free, such as debit and credit cards and international accounts, for both individuals and companies.

The fee structure is one of the financial institution's main differentiators: as it is 100% digital, it has a technological base that guarantees market competitiveness and zero costs for its main services.

The company's business and operating model is what guarantees low expenses per customer. In an interview with CNN Money in February 2026, the CEO of Inter in Brazil, Alexandre Riccio, said that cloud computing, a structure without physical branches and artificial intelligence are part of this package.

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"We have a cost per active customer of just over R$10, so it's a very low cost and it's low because of these technologies," said Riccio.

Basic financial services have zero fees
In addition to the maintenance fee, banks and financial institutions in general are authorized to charge for annual credit card fees, withdrawals, TED transfers and service packages.

In the case of Inter, in addition to not having any costs or maintenance fees for the current account, basic financial services are free, as are many of the features and benefits offered by the institution.

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According to information from the company itself, this is possible not only because it was born digital, but because it combines sustainability, automated processes, gains in scale and the development of financial technologies.

Below, find out what's free with Inter's digital account:

- Account opening;
- Account maintenance;
- Bill issuance;
- Transfer between Inter accounts;
- Transfer to other banks;
- Pix;
- Investments;
- Card annual fee.

Inter's global account also does not charge an opening fee or annual fee.

Digital account for legal entities does not charge maintenance
The PJ Inter Empresas account is another option for the financial institution that does not charge maintenance fees, monthly or annual fees for the card. It also offers other integrated solutions for business financial needs.

Legal entities such as MEI (Individual Microentrepreneur), EIRELI (Individual Limited Liability Company, EI (Individual Entrepreneur), LTDA (Limited Company), SLU (Unipersonal Limited Company), SA (Anonymous Company) and condominiums can use the service.

Other account benefits include:

- Free and unlimited Pix;
- management of access and approvals;
- free TEDs and bills per month;
- fee-free card with free points program;
- simple, installment and recurring billing bill;
- integration of the digital account with other systems;
- anticipation of card receivables;
- extra limit on the account with special check;
- exclusive investment area;
- and personalized business credit.

Main questions and answers
1. Does Inter charge an account maintenance fee?
Banco Inter does not charge an opening fee or maintenance fee for the digital account, maintaining the offer of a free account for the customer's daily life.

2. What fees does Inter still charge?
Although account maintenance is free, Inter charges fees for specific services, such as some types of bills, payment orders, exchange transactions and interest on revolving credit and invoice installments.

3. Does the Inter credit card have an annual fee or maintenance fee?
Inter credit cards have no annual fee or maintenance fee.

4. Does Inter's global account have a maintenance fee?
Inter's global account in foreign currency has no opening fee or maintenance fee, but there may be IOF charges and costs for loading or redeeming balance operations.

5. What are the main free services on the Inter account?
In addition to cards, Inter's main free services include withdrawals from ATMs in the partner network, transfers to other banks and a bill issuing franchise.

Source: CNN