Interest rates on digital accounts: comparison between financial platforms

Inter's interest rates are competitive and are often among the lowest in the digital financial market. They vary depending on the type of credit offered and the customer's profile.

To understand the details of the fees, it is interesting to compare the interest rates between its main competitors, such as Nubank, C6 Bank and Picpay.

What is the difference between the main interest rates?
Digital financial institutions do not usually charge fees for opening or maintaining an account, and generally have credit and debit cards with no annual fee, in addition to offering basic financial services for free, as is the case with Inter.

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Interest rates appear in credit contracts, such as loans and financing.

Below, see the values of the main services for each institution according to the Central Bank (BC) Interest Rate Report, with data from the period from May 13 to 19, 2026.

It is worth remembering that the numbers reflect the average rates charged, as other factors in the customer's profile influence credit analysis, such as score and relationship with the institution. These details can increase or decrease the interest percentage charged.

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Personal credit for individuals
In this type of credit, the financial institution lends an amount that can be used by the customer as they wish, without the need to justify the purpose. BC data shows Inter with the lowest average interest rate for this type of loan:

- Inter: 1.68% per month

- C6 Bank: 1.80% per month

- Nubank: 6.19% per month

- Picpay: 8.71% per month

Credit card in installments
This is when payment for a product or service is paid in installments by credit card with interest. It works like an instant loan in which the financial institution pays the amount to the other company.

- C6 Bank: 5.51% per month

- Picpay: 8.42% per month

- Nubank: 8.95% per month

- Inter: 9.47% per month

Credit card revolving
It is automatic financing triggered when the total amount of the credit card bill is not paid by the due date. Even with a minimum payment, interest is charged on what was "borrowed".

- Nubank: 13.18% per month

- C6 Bank: 16.10% per month

- Inter: 16.12% per month

- Picpay: 19.61% per month

INSS payroll credit
It is a type of credit for retirees and pensioners where the installments are deducted directly from the monthly benefit. Because it has this payment guarantee, it has lower rates than conventional personal credit.

- Nubank: 1.53% per month

- Inter: 1.65% per month

- C6 Bank: 1.81% per month

- Picpay: 1.76% per month

Special check for individuals
Pre-approved line of credit that the financial institution makes available in its countercurrent. When you make a payment that goes beyond your balance, this "borrowed" difference incurs interest.

According to data from the Central Bank, Inter's average is 8.26% per month, while C6 Bank's is 8.27% per month. Nubank and Picpay did not appear in the report.

Source: CNN