About RecargaPay: Pix Cartão e Conta
RecargaPay is a digital wallet regulated by the Central Bank for making Pix payments with credit cards, paying bills, and investing in CDBs. It offers a free digital account, a credit card with no annual fee and up to 2%...
RecargaPay is a digital wallet regulated by the Central Bank for making Pix payments with credit cards, paying bills, and investing in CDBs. It offers a free digital account, a credit card with no annual fee and up to 2% cashback, personal and CLT payroll loans, all within the app used by over 13 million Brazilians to manage their personal finances.
PIX WITH CREDIT CARD
◉ Make Pix payments with any credit card, starting at 2.99% per month.
◉ Split Pix payments into up to 18 installments (Pix installments on your card).
◉ Pix payments without account balance: the amount is credited and arrives instantly for the recipient.
◉ Free Pix app with QR Code for sending and receiving payments.
◉ Unlimited and free traditional Pix payments, 24/7.
DIGITAL ACCOUNT AND DIGITAL WALLET
◉ Free digital account, no monthly fees, and no maintenance fees.
◉ Digital wallet and digital bank in the same app: Pix, accounts, top-ups, cards, and investments.
◉ Balance earns 120% of the CDI automatically up to one thousand reais, every business day.
◉ Digital account for MEI and PJ, with 100% digital opening.
CREDIT CARD WITHOUT ANNUAL FEE
◉ Card with up to 2% cashback on all purchases.
◉ Card for those with negative credit history, Guaranteed Limit model with a limit starting from R$ 10.
◉ Credit card for CLT, self-employed, and MEI.
◉ Platinum: up to R$ 10,000 pre-approved. Black: up to R$ 30,000. Titan: card with 2% cashback on all purchases.
PERSONAL AND CONSIGNED LOANS FOR CLT EMPLOYEES
◉ Online personal loan, 100% digital, with money in the account after approval.
◉ CLT Consigned Loan (Employee Credit): from 3.99% per month, in up to 36 installments, with payroll deduction.
*RecargaPay never charges an upfront fee to approve or release a loan. If someone charges on behalf of the app, it's a scam: report it to customer service.
CDB AND INVESTMENTS
◉ CDB with daily liquidity at 107% of the CDI, with FGC protection.
◉ 12-month CDB at 110% of the CDI up to R$ 250,000.
◉ Fixed income investment for CPF and CNPJ/MEI.
*Past performance does not guarantee future returns. Investments carry risks.
TAP TO PAY: MOBILE PAYMENT CHANNEL
◉ Mobile payment terminal with no rental fees, no monthly fees, and no joining fee.
◉ Rates starting at 0.75% for debit and 3.09% for credit card payments, with payment received instantly or on the next business day.
◉ Contactless card machine (NFC) for freelancers, MEI (Micro Individual Entrepreneur), and shopkeepers.
◉ Tap to Pay to receive payments on your cell phone, without buying equipment.
PAY BILLS AND INVOICES
◉ Pay bills with a credit card in up to 18 installments.
◉ Pay overdue water, electricity, internet, telephone, IPVA (Vehicle Property Tax), and IPTU (Urban Property Tax) bills.
◉ Pay bills and invoices in installments directly in the app.
TOP-UPS
◉ Cell phone top-ups: Vivo, TIM, Claro, and more operators.
◉ Top-ups for single-use tickets and transportation cards: SP, RJ, Recife, Salvador, Curitiba, and more cities.
SECURITY
◉ Payment institution regulated by the Central Bank of Brazil.
◉ CDB (Certificate of Deposit) with FGC (Credit Guarantee Fund) protection up to R$ 250,000 per CPF (Brazilian Individual Taxpayer Registry).
◉ PCI-DSS 4.0 and ISO 22301 certified.
◉ MED (Special Return Mechanism) activated within 30 minutes in case of Pix fraud.
◉ Two-step authentication, biometrics, and encryption.
◉ 24/7 customer service.
*Simple, clear, and transparent credit
◉ Personal loan: term of 3 to 6 months. CLT (Consolidation of Labor Laws) payroll loan: up to 36 months.
◉ Personal loan: rates from 8% to 18% per month (maximum of 628.75% per year). CLT (Consolidation of Labor Laws) Loan: from 3.99% per month. CET (Total Effective Cost) informed before contracting.
◉ Representative example: personal loan of R$ 900.00 in 6 months, rate of 15% per month, 6 installments of R$243.55, total amount to be paid of R$ 1,461.30, CET of 15.42% per month. Simulation of 11/06/2026.
☎ 24/7 SERVICE
Questions? Access our Help Center: www.recargapay.com.br/contato
Ombudsman: 0800 202 0019
RecargaPay Payment Institution Ltda. – CNPJ: 11.275.560/0001-75
Previous Versions
Here you can find the changelog of RecargaPay: Pix Cartão e Conta since it was posted on our website on 2013-08-23 07:08:33.
The latest version is 5.10.6 and it was updated on 2026-06-29 16:13:10. See below the changes in each version.
RecargaPay: Pix Cartão e Conta version 5.10.6
Updated At: 2026-06-26
Changes: Estamos sempre mudando o app pra melhor! Navegue pelo RecargaPay e confira todas as novidades dessa nova versão.
RecargaPay: Pix Cartão e Conta version
Updated At: 2026-05-29
RecargaPay: Pix Cartão e Conta version 5.6.211
Updated At: 2025-10-06
Changes: Nova versão do app disponível. Atualizamos a experiência de pagamentos pra você ter mais velocidade, segurança e controle nas suas transações financeiras. Atualize e aproveite.
RecargaPay: Pix Cartão e Conta version 5.6.198
Updated At: 2025-08-22
Changes: Nova versão no ar! Nosso app evolui toda semana pra você ter sempre o melhor. Instale a última versão e curta as novidades!
RecargaPay: Pix Cartão e Conta version 5.6.188
Updated At: 2025-07-14
Changes: Atualize o App e continue aproveitando o melhor do RecargaPay, como Cartão de crédito com 1,5% de cashback, Pix com cartão em até 12x, saldo da Carteira que rende 110% do CDI e muito mais. Atualize pra usar um App ainda melhor.
RecargaPay: Pix Cartão e Conta version 5.6.177
Updated At: 2025-06-06
Changes: Atualize o app e veja seu dinheiro render mais! Com rendimento de 110% do CDI, seu saldo rende bem mais que na poupança. Baixe a nova versão do RecargaPay e aproveite.
RecargaPay: Pix Cartão e Conta version 5.6.175
Updated At: 2025-05-23
Changes: Atualize o app e aproveite vantagens que fazem a diferença:
– Boletos no crédito em até 12x
– Cartão com 1,5% de cashback em todas as compras
– Dinheiro parado? Aqui ele rende 110% do CDI
RecargaPay: mais vantagem em cada pagamento!
RecargaPay: Pix Cartão e Conta version 5.6.173
Updated At: 2025-05-16
Changes: Fumaça branca, habemus atualização! Essa semana, uma nova função divina chegou: agora o Cartão de Crédito RecargaPay está na Apple Pay. Com poucos toques, você cadastra o cartão e já começa a usar. Atualize o app e aproveite.
RecargaPay: Pix Cartão e Conta version 5.6.170
Updated At: 2025-05-02
Changes: Descubra o que o RecargaPay tem de melhor:
– Boletos no crédito em até 12x
– Rendimento de 110% do CDI
– Cartão sem anuidade e com 1,5% de cashback
Atualize o app e aproveite!
RecargaPay: Pix Cartão e Conta version 5.6.169
Updated At: 2025-04-25
Changes: Nesse feriado, a surpresa não vem só do coelho, vem do Pix com cartão de crédito que continua disponível pra te ajudar com os gastos da Páscoa. É praticidade e aquele jeitinho RecargaPay de facilitar sua finanças. Atualize o app e aproveite!
