RecargaPay: Pix Cartão e Conta

RecargaPay

About this app

Pix with credit card, no-annual-fee card with 1.5% cashback, yield up to 110% of CDI and investments in CDB. Complete and free digital account.

More than 10 million people are already rethinking the obvious every day. Download now!

MAKE PIX WITH ANY CREDIT CARD AND PAY LATER
◉ Pix with credit card with a rate that fits your budget: starting at just 4.99%. Pay in up to 12 installments.
◉ QR Code to facilitate payments and collections without fees.
◉ Register your Pix key now at RecargaPay.

RECARGAPAY CREDIT CARDS: CHOOSE YOURS
◉ Guaranteed Limit: Build your limit starting from R$ 10. Approved instantly, without credit analysis. Ideal for those with negative credit history or first-time cardholders.

◉ Platinum: Up to R$10,000 pre-approved. Car insurance and purchase protection. Free annual fee with R$1,000/month spending.

◉ Black: Up to R$30,000 pre-approved. Travel insurance and access to VIP lounges. Free annual fee with R$5,000/month spending.

◉ All cards: 1.5% cashback on ALL purchases, no annual fee in the Guaranteed model and accepted internationally.

CDB INVESTMENTS WITH ABOVE-MARKET RETURNS
◉ Daily Liquidity: 107% of CDI up to R$5,000 with FGC protection.

◉ 24 months: 120% of CDI - Ideal for medium-term goals.

◉ Available for CPF and CNPJ.

Past performance does not guarantee future returns. Investments carry risks.

EARN UP TO 110% OF THE CDI EVERY BUSINESS DAY
◉ Your wallet balance earns interest daily.

◉ Your guaranteed limit on the RecargaPay Card also earns interest.

◉ You can use the earnings however you want.

INSTANT PERSONAL LOAN*
Applying for a loan through the app is easy, fast, and 100% digital.

◉ Available 24/7.

◉ Accepts those with negative credit history.

◉ Fast approval and money in your account.

WHY USE RECARGAPAY?

◉ Complete and free digital account, no monthly fees
◉ Credit card with no annual fee and cashback
◉ Automatic return of up to 110% of the CDI (Brazilian Interbank Deposit Certificate)
◉ Mobile phone top-ups: Vivo, TIM, Claro, Claro Nxt, Correios and Surf
◉ Payment of water, electricity, internet, telephone and bank slips
◉ Installment payments up to 12x with credit card, bank slip or Pix (Brazilian instant payment system)
◉ Transportation top-ups in São Paulo, Recife, Vitória, São Luís, Maceió, Salvador, Curitiba and more

BILL AND BANK SLIP PAYMENT
◉ Bills and bank slips paid in seconds
◉ Installment payments up to 12x (check rates in the app)

SOLUTIONS FOR YOUR BUSINESS TO GROW
◉ Open your free PJ (Business) Account, no monthly fees and no bureaucracy
◉ PJ credit card with no annual fee and cashback 1.5%
◉ Receive payments at your establishment and earn up to R$1.00 per paid invoice
◉ Sell mobile phone and transportation top-ups, earn up to 5%

TAP TO PAY: CARD MACHINE ON YOUR CELL PHONE
Turn your cell phone into a card machine and accept contactless payments.
◉ 0.75% fee on debit and 3.09% on credit
◉ No joining fee, rental fee or monthly fee
◉ Accept debit and credit by contactless payment
◉ Your sales balance earns 110% of the CDI automatically

CASH BACK WHEN YOU REFER FRIENDS
For each friend you refer, you can earn R$20 free to use as you wish in the app. Refer and earn!

GUARANTEED PAYMENT SECURITY
PCI certified, the highest standard of data protection in payments. Transactions carried out with the SSL protocol.

*Simple, clear, and transparent credit
◉ Pay off your loan in 3 to 6 months.
◉ Rate of 15% per month (477.76% per year)*
◉ As an example, considering an interest rate of 15% per month, with a simulation performed on 06/24/2025, for a personal loan of R$ 700.00 over a term of 6 months, the monthly installment amount is R$ 188. Simulation based on a 27-year-old client, considering mandatory insurance coverage, and without additional financeable expenses. The Total Effective Cost (CET) is 15.43% per month.

Maximum interest rate of 18% per month, corresponding to 628.75% per year.

☎ 24/7 SERVICE
Questions? Access our Help Center: www.recargapay.com.br/contato
Customer Service: 0800 202 0019
RecargaPay Payment Institution Ltda. – CNPJ: 11.275.560/0001-75

Ratings and reviews

very bad setting, so tough. secondly, please add the English version app settings, it's easy for non Portuguese speakers.

You changed the best app for paying contas from abroad, with monthly limits that are so low nobody can use it to pay all their accounts including car payment. Should have left it simple. The limits which are hidden, are a burden.

takes time to update the money you already have in your wallet

What’s new

Estamos sempre mudando o app pra melhor! Navegue pelo RecargaPay e confira todas as novidades dessa nova versão.