Thinking of investing in a bank and you were offered Pic Itaú? Want to know if it's a pierced?
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Or do you just want to open an account and are between Itaú and some other institution?
We will help you, in this article you will find all the information that will help you make that decision.
Pic Itaú is pierced and how not to fall for it!
Always the cashier, the attendant or the manager try to push financial products down your throat.
See in this video above Dhiego's sincere opinion stating why in his opinion Pic Itáu is pierced.
Is opening an Itaú checking account a good idea?
Here is a service that is very important nowadays, the current account is now one of the main channels for sending and receiving money.
In addition, of course, to a few more functions that this modality makes available, which would be bill payments, investments, card purchases, access to the credit line, etc.
With this, we realized that choosing the right bank is very important for this service.
This choice has to be thought through, as you must take into account the fees that will be charged monthly, the cost of TED and whether the institution will not embezzle.
Itaú bank, as we could see, is a good financial institution and its monthly fees range from R$13 to R$44 reais, depending on the package you choose. Itaú offers more than one type of current account, we will leave them here for you:
- Salary account;
- Itaú Potability salary account;
- Withdrawal salary account.
Is it a good bank to invest in?
Yes, it's a good bank, just the Pic Itáu is perforated, as well as other savings bonds.
In 2019, a survey was carried out on the Yubb website to evaluate large banks according to their customers and rank the one that would be the best to invest in.
According to investors, Banco Itaú is in second place as the best large institution to carry out this feat.
Remembering that Itaú is known for its vast section of options, for different types of investor profiles.
How are the loans at Banco Itaú?
First of all, in order to apply for any loan at the bank, it is necessary to open an account at the institution.
Itaú requests an inspection of your credit, depending on the result obtained, you can request a pre-approved credit, that is, in this bank your financial history counts a lot.
Here are the items that are analyzed, in almost every loan requests:
- The customer's registration;
- Monthly income;
- Payment capacity;
- Account transaction history;
- CPF inspection.
If you really want to apply for a loan at Itaú, you should keep in mind the cost of each of the modalities.
To help you with this, we will leave you each one of them below:
- Tax: Every financial service is included in every loan.
- Compensatory interest rate: This is interest paid to the bank, as a form of remuneration for the loan.
- Credit insurance: Being optional, here it protects the amount negotiated in the loan, in case of death, illness, job loss, among others.
Based on this information, we can say that the Bank Itaú is, in its modality of a large bank, a great institution.
Of course, everything must be detailed for each customer case, but in general, Itaí is not a hole.
About Itaú in Brazil
Itaú bank is the best known today in Brazil, thanks to the various promotions that the institution offers for different products and modalities.
Its prominent performance with the Brazilian population stems from a handful of situations, after all, if we are going to evaluate a bank, we have to have many different perspectives.
But we can say that Banco Itaú is one of the great popular banks that is worth giving a chance, mainly for the investments.
To make you more aware of the Itaú situation, we will provide you with some bank numbers:
- Itaú's net profit in 2018 was R1TP4Q25.7 billion;
- The bank's total number of customers is 55 million;
- Investments per year average R$2.1 billion.
Read too: Is defaulting on a bank a crime? It is Banco Inter or Nubank?
