RecargaPay: Pix Cartão e Conta

RecargaPay

About this app

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

Ratings and reviews

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.

I'm having problems using it now that it wants to authenticate my card. It put a small amount of money into my bank account for me to validate. However, the money in my account is in US dollars. The app wants me to tell how many Real. I do not know… I'm very disappointed. I have been using this app for a very long time. They do not have a phone number or an email for support…😱😫😤

Well so far am having a wonderful experience. The application is user friendly. And they're so quick in solving your problem that's their support team is top notch. Thank you RecargaPay I will definetly recommend this application to my colleagues Hugs 🤗

What’s new

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