From Application to Your First Swipe: How to Join the Nubank Revolution

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We’ve talked about the incredible benefits of Nubank, but you might be wondering: “How do I actually get started?”

The process is designed to be as simple and painless as their banking experience.

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Forget about visiting a branch, filling out stacks of paperwork, or waiting for weeks for an answer. With Nubank, you can open an account and receive your card without ever leaving your home.

Step 1: The Application – A Simple, Digital Process

The entire application process happens through your smartphone.

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First and foremost, you’ll need to download the Nubank app, which is available on both the Apple App Store and Google Play. Once you have the app, the process is straightforward:

  1. Open the App and Request an Account: The home screen will have a clear option to “Start.” Tap on it and you’ll be asked to provide some basic personal information, such as your full name, CPF (Brazilian tax ID), and an email address.
  2. Provide Your Details: You will be prompted to enter additional information, including your address and a photo of your ID (like your RG or CNH).
  3. Take a Selfie: To verify your identity, the app will ask you to take a selfie. This is a crucial security step to ensure that no one else is trying to open an account in your name.
  4. Wait for the Analysis: This is the only part that requires some patience. The Nubank team will analyze your information and credit history. However, this analysis is typically much faster than with traditional banks, often taking only a few minutes to a couple of days. You’ll receive an email or a notification in the app when a decision is made.

In summary, the application is quick, completely digital, and removes all the friction of traditional banking.

Step 2: Receiving Your Purple Card

If your application is approved, congratulations! Nubank will promptly send your iconic purple credit card and/or debit card to the address you provided.

  • Tracking Your Card: You can track the delivery status of your card directly in the app. This transparency is a small but significant detail that puts you in control.
  • Activating the Card: Once the card arrives, it will be sealed in an elegant purple package. To activate it, all you have to do is open the Nubank app, enter the last four digits of the card number, and set your four-digit password. And just like that, your card is ready to use.

Furthermore, Nubank offers a virtual card for all your online purchases. You can create and manage this card instantly within the app, providing an extra layer of security for shopping online.

Mastering Your Nu: How to Use the Card and App

Now that your account is open and your card is active, it’s time to explore the full power of the Nubank ecosystem.

  • Making Your First Purchase: The physical card works just like any other credit or debit card. You can use it for in-store purchases by swiping or using contactless technology. For international use, the card is already enabled to work abroad without any extra steps.
  • Managing Your Credit Card Bill: The app is your command center. It gives you a real-time overview of all your purchases, allowing you to see exactly where your money is going. You can even categorize your spending to better track your budget. What’s more, the app sends you a notification after every single transaction, so you’re always aware of your card’s activity.
  • Using the NuConta for Daily Transactions: The NuConta is perfect for your day-to-day finances. You can use the app to pay bills with barcodes, make instant transfers via Pix, and even deposit money by generating a “boleto” (a payment slip) and paying it at a bank or lottery house. Therefore, the NuConta functions as a full-featured digital bank account.
  • Getting Support: If you have any questions or issues, remember Nubank’s customer service is always a tap away. You can chat with a representative directly in the app, or contact them via email and phone.

In conclusion, opening an account and using your Nubank card is an intuitive experience designed to give you complete control.

It’s a prime example of how digital banking can be simple, transparent, and user-friendly, putting the power back in the hands of the customer.

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Source of information: nubank.com.br/