Many people do not know, but Casas Bahia also has its own digital bank, BanQi, where you can find service points at any store in the chain. But you don't have to go to a store to open your account, the whole process can be done by the app and it's very simple: just download the app, fill in your data, create a password and activate your account. There are no fees for opening or maintaining an account and it is also possible to make TED transfers without charges to other banks.
How does BanQi work?
To register with BanQi, the process can be performed directly by the application, which, for now, is only available for Android devices. Once yours is open, you have access to free deposit and withdrawal options, payment slips and QR code, transfers, cell phone recharges and single ticket and access to the network's digital booklet.
The BanQi prepaid card, with Mastercard banner, is also free and without annual fee, and is accepted in several stores and establishments, in addition to being international and allowing purchases outside the country. Through the app you can still pay slips, like any other banking app, and receive notifications when a portion is due.
Advantages of digital account on Black Friday
Among the main advantages of opening an account at BanQi, is the exemption from maintenance fees and free services. Opening an account, as we said, is simple and takes a few minutes to complete, without the need to take selfies or present proof of income. The digital account also has Cashback, payments by QR Code of people, establishments and Cielo machines.
Cashback is also an attraction of the digital bank, since in the next three installments paid for each Casas Bahia booklet, you get back R $ 10.00 for the installments paid on time and R $ 5.00 for those paid late, up to R $ 30.00 per booklet. However, to recover the amount, the installments must be at least R $ 90.00 and the payment must be made with the balance of the BanQi account. It is not possible to obtain Cashback with boleto payments.
Some negative points of BanQi is that it does not generate a branch number and does not count on the account holder's CPF and also does not have FGC (Credit Guarantee Fund) protection, nor investment options. In addition, the app does not have a biometric login and is only available for Android devices.
In relation to other applications, BanQi does not have great advantages, but it is worth knowing. For those who do not have a bank account, live near a Casas Bahia unit and like to shop at retail, the application can be interesting without a doubt.
Now that you know how BanQi works, you can update your Wish List to keep an eye on the best deals during Black Friday 2020, and to get more discounts, you can take advantage of a good discount coupon!
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