What are Inter's products? From digital account to investment
Inter is a digital financial institution that offers a variety of financial products and services. From digital debit cards to credit and investments, the publicly traded company has an ecosystem that secured 44 million customers in the first quarter of 2026.
In addition to artificial intelligence and hyperpersonalization, Inter's Super App centralizes digital payment, business credit, insurance, investment in Bitcoin and other banking services for its customers.
Record results at the beginning of the year were highlighted by the institution as a reflection of the strategies implemented since 2025 and the launches in 2026.
Inter reached R$50 billion in its credit portfolio, which represents 33% growth, in addition to a payment volume of R$1.7 trillion, according to information from the company itself.
Free digital account and basic banking services
One of Inter's differences as a digital financial institution is the offer of a free digital account. Both debit and credit cards have no maintenance or annual fees. Additionally, it does not charge for basic banking services.
By operating 100% digitally, the company is able to guarantee low costs per customer, which allows many fees and financial expenses to be eliminated or reduced for those who use its services on a daily basis.
Free services available
- Pix;
- Transfers (TED);
- Withdrawals and deposits (including by bank slip);
- Debit card enabled;
- Credit card;
- Points and cashback program;
- Payments;
- Open Finance (sharing of data and services between institutions);
- Investment platform.
Other advantages of the digital account
The options go beyond the digital debit card for individuals:
- Kids Account for children and teenagers aged 0 to 17;
- International dollar account for international travel and purchases;
- Business account for legal entities, including MEI (Individual Microentrepreneur), small, medium and large companies.
The main support and service channels still operate 24 hours a day, 7 days a week, for emergencies, problems, questions and assistance with the use of digital platforms.
Credit and financing for individuals or companies
In addition to a credit card with no annual fee and a points program, Inter has lines of credit for different customer profiles, including personal and real estate loan options. Offering safe loan alternatives is one of the company's objectives.
In an interview with CNN Money, Alexandre Riccio, CEO of the institution in Brazil, highlighted Inter's credit portfolio strategy, which guarantees balance even with macroeconomic challenges, including default and family debt.
Basically, the company maintains the majority of its credit portfolio in guaranteed formats. In other words, when they offer credit to their customers, there is normally assets associated with the contract, such as real estate, automobiles and financial investments.
Thus, if the financing or loan is not paid, Inter recovers this value from the assets, which reduces risks for the institution and guarantees its development.
"The consequence of this appears a lot in the numbers", explains Riccio. In the first quarter of 2026, Inter reached R$50 billion in its credit portfolio. "This has allowed us to maintain growth and have the prospect of continuing to grow throughout the year, despite the scenario."
Below, find out about Inter's credit options:
Credit card
For digital payment and installment payments for purchases, the Inter credit card has no annual fee or other maintenance or usage fees and charges. In addition, there is a program to exchange points for cashback, miles and bill discounts, for example.
However, interest may be charged in cases of invoice installments, delays or minimum payments for revolving credit.
To find out the available credit limit, you need to create your account through the Inter app and see what specific conditions are offered for your profile.
International credit card
The Inter Global Account offers a multiple card (debit and credit) for use abroad and for purchases in physical and virtual stores. There is no maintenance or annual fee charged for this service.
The balance is maintained in US dollars, converted to the commercial dollar rate, with the Mastercard brand, and is accepted in more than 150 countries.
Consigned loan
There are payroll loan options for public servants, retirees or INSS pensioners and workers with a formal contract (CLT).
The website and the Super App have installment simulations and anti-fraud instructions to guarantee the money in the account safely and without excessive bureaucracy.
Business credit
Inter has several credit options for its Corporate (PJ) customers. Among the main ones are:
- Working capital: without bureaucracy, through Pronampe or FGI Peac;
- Advance of receivables: to advance the value of sales and notes with future maturity;
- Home Equity: loan with property guarantee;
- Real estate financing: ease of securing a physical space for your business;
- Private Payroll Loan: credit benefits and knowledge about financial education for your company's employees;
- Branch real estate: for companies in the sector, such as developers and construction companies, there is an option for real estate receivables, credit for property production and credit with guarantee;
- Rural credit: financing the costs of agricultural and livestock activities;
- Letter of guarantee: coverage for carrying out commercial businesses that require a bank guarantee.
There is also a debit and credit card with no annual fee and a program for accumulating points, as well as an international account and insurance from R$2.90 for loss, theft or improper transactions.
Real estate financing
It is possible to finance a house or apartment with from 25% of the value as a down payment. The website and application offer simulations of values and installments, as well as assistance with consultants for credit assessment.
Line of insurance for people and companies
Fintech offers insurance such as the Mais Protecção Card and Inter Life Insurance. Hiring is 100% digital and can be done via the Super App.
See below the main lines for people and companies offered by the digital financial institution:
- Most Protected Card: protects against financial losses caused by loss, robbery and theft of the card, as well as withdrawal operations and coerced purchases.
- Inter Life Insurance: compensation of up to R$150,000, hospital assistance and monthly payment options for less than R$10.
- Home Insurance: has coverage for fires, explosions, electrical damage, theft of goods with traces, loss or payment of rent, among others, with 24-hour assistance hours.
- Pix Insurance: protection against improper digital transactions carried out under duress, violence or after theft or theft of a cell phone. Plans start at R$ 3.50.
- Travel Insurance: mainly covers urgent and emergency medical care, as well as other guarantees, such as in the case of lost luggage.
- Financial Protection: guarantees payment of the credit card bill in unforeseen situations to avoid the accumulation of debts.
- Auto Damage to Third Parties: insurance in the form of Optional Civil Liability (RCF-V), for when the customer causes an accident, covering car repair costs affected and medical expenses or compensation for the death of another person.
- Group Life: for companies, from 100 lives, with financial protection for employees, partners, executives and their employees.
- Guarantee Insurance: also for companies, to ensure compliance with private, public contracts or tenders within the expected deadlines and costs.
Investments in fixed income, variable income and even cryptocurrencies
Inter has a complete investment platform that provides information on interest, income and liquidity, and also separates applications by type, such as fixed income, variable income and cryptocurrencies.
The digital financial institution offers everything from options for beginner investors, such as Meu Porquinho, to Home Broker, for trading shares, real estate funds and Day Trade in real time.
For those who need help putting together an investment strategy, there is an artificial intelligence assistant that offers automated analysis and management.
Discover the main applications for investing:
Fixed Income
For those who want predictable profitability, as well as security and flexible liquidity. Options like:
- CDB: the Bank Deposit Certificate is considered low risk and its profitability can be pre-fixed, post-fixed or hybrid.
- LCI: the Real Estate Credit Letter is exempt from Income Tax (IR) for liquid individuals.
- Savings: most popular investment in Brazil, also exempt from IR.
- Direct Treasury: platform created by the National Treasury in partnership with B3 and which allows the purchase of federal public bonds, including Treasury Selic.
Variable income
Through an investment platform without brokerage, more experienced investors or those with a more daring profile can invest in shares, futures markets, real estate funds and Day Trade.
In fact, there are international alternatives to protect your portfolio from fluctuations in the real.
Inter also has other solutions in its ecosystem of products and services, such as shopping and marketplace, cell phone recharge, consortiums and even a program to exchange points for benefits.
Source: CNN