Your complete guide to everything you’ll find with an Inter account

Opening an account with Inter isn’t just about joining another digital bank. It’s your gateway to an all-in-one platform built to simplify your financial life, save you time and money, and give you access to experiences you won’t find at traditional banks.

Sure, today we can manage almost everything from our phones. But jumping between apps gets tiring fast. That’s why the Inter app brings everything together in one place, from managing your money and investing to unlocking exclusive perks, earning cashback, and even accessing tickets and travel deals.

In this guide, we’ll show you what to expect when you open your Inter account and how the Super App was designed to help you live, spend, and save smarter.

Make your money work for you: banking, investing, and cashback made easy

Your Inter account is more than just a place to store money. It’s designed to help it grow. No hidden fees. No red tape. Just smarter ways to manage your finances.

You can send money locally or internationally, pay bills, invest with as little as $5, shop top brands using your debit card, and buy gift cards with cashback. All from one app!

A few features that make a real difference

● International money transfers with competitive rates

● A wide range of investment options with no brokerage fees

● Gift cards from popular US retailers with cashback

● Debit card ready to use wherever you go

Ready to take control of your money? Download the Inter App and open your account today.

Smarter shopping: cashback, gift cards, and exclusive deals

Shopping through the Inter app is always rewarding. Whether you're gifting or just treating yourself, you can earn cashback on gift cards from your favorite brands: restaurants, clothing stores, grocery chains, and more.

Plus, look out for exclusive offers and seasonal promos that make your purchases go even further.

Features designed for your everyday life: global account, eSIM, and mobile service

Whether you're supporting family abroad or preparing for an international trip, Inter makes global transfers simple and fast.

And if you love to travel, Inter’s eSIM lets you stay connected overseas without swapping SIM cards. Flexible mobile data plans give you full control straight from the app, so you can manage everything with confidence.

A space to connect and grow: Inter Forum

Being an Inter customer means more than access to financial tools. You also get a place to learn, share, and connect with others on the same journey. The Inter Forum is a built-in community where users can ask questions, share experiences, and talk about money — from personal finance and investing to cashback tips and credit advice.

Whether you’re just getting started or already confident in your financial knowledge, Forum is a great way to stay informed and support others.

The best part? It’s built right into the app, with the same security as your Inter account.

Want to know more? Read the full article about Inter Forum: the new financial social network and jump into the conversation.

Start exploring everything Inter has to offer

Opening your Inter account isn’t just about going digital. It’s about unlocking a full platform that combines technology, security, and benefits to level up how you manage your money every day.

Download the Inter App and discover what it’s like to live with more control, more cashback, special offers, unique experiences, and so much more.

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InterCommunications

Inter (NASDAQ: INTR) is the pioneer financial super app serving over 37.7 million consumers across the Americas. The Inter&Co ecosystem offers a broad array of services, including banking, investments, mortgages, credit, gift cards, and cross-border tools. The super app also boasts a dynamic marketplace, linking consumers with shopping discounts, cashback rewards, and exclusive access to marquee events across the globe. The company is expanding rapidly in the United States, as evidenced by its naming rights sponsorship of the Inter&Co Stadium that hosts soccer teams “Orlando City” and “Orlando Pride”. Focused on innovation and captivating member experiences, Inter&Co delivers comprehensive financial and lifestyle solutions to meet the evolving needs of modern consumers.

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INTER & CO PAYMENTS, INC., doing business as Inter (“Inter”), is a financial technology company, a registered money services business (MSB) and a licensed money transmitter, not a bank (NMLS ID #907330). Massachusetts Foreign Transmittal Agency (License #FT114374-100). Rhode Island Currency Transmitter (License # 20203960CT). Click here to access our NMLS licenses.

Banking services are provided by Community Federal Savings Bank (“CFSB”), Member FDIC and deposits are held by CFSB and Wells Fargo Bank, Members FDIC. Inter is not a depository institution, deposits held at CFSB and Wells Fargo are not eligible for FDIC insurance.

The Inter US Checking account is provided by Continental Bank, Member FDIC. Inter US Checking accounts are FDIC-insured up to US$250,000. Inter US Checking account funds are eligible for FDIC insurance up to the allowable limit through Continental Bank, Member FDIC, and other program banks. Coverage is subject to aggregation of all of each account holder's funds held on deposit at Continental Bank or at each of its program banks. Funds generated through Inter's payment processing services are generally available in the Inter US Checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues. Inter is not a bank. Inter US Checking accounts do not provide monthly paper statements and do not issue physical paper checks. Inter US Checking accounts are not interest-bearing accounts.

FDIC deposit insurance coverage only protects against the failure of an FDIC-insured deposit institution. If you have an Inter US Checking account, up to US$250,000 of your balance may be covered by FDIC insurance on a pass through basis through Continental Bank, Member FDIC, subject to aggregation of the account holder's funds held at Continental Bank and if certain conditions have been met.

Please see your account information to know where your account is maintained. Inter US Checking accounts at Continental Bank are only available for US residents, upon informing a Social Security or Individual Taxpayer Identification number.

For more information regarding your Inter Account, view the Inter Account Agreement at https://us.inter.co/compliance?interandco-account-agreement .

For more information regarding your Inter US Checking account, view the Inter US Checking Account Agreement at https://us.inter.co/compliance?inter-us-checking-account-agreement .

For more information regarding FDIC insurance, please visit the FDIC website at https://www.fdic.gov/resources/deposit-insurance .

To provide you with the Inter Account and the Inter US Checking account, we share your information with CFSB and Continental. View the CFSB Privacy Notice here and the Continental Privacy Notice here for details.

Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874), an affiliate of Inter & Co Payments, Inc.

Securities brokerage services are provided by Inter&Co Securities LLC, Member FINRA/ SIPC , an affiliate of Inter & Co Payments, Inc. and a wholly-owned subsidiary of Inter&Co US Holding. View important information and disclosures here .

If you have any questions or concerns regarding any transaction, please write to us at 501 Brickell Key Drive, Suite 202, Miami, FL 33131, or by email at help@inter.co or by calling us at 1-888-305-7264 .

THIS NEXT SECTION IS APPLICABLE FOR US RESIDENTS ONLY. IF YOU ARE NOT A RESIDENT OF THE UNITED STATES OF AMERICA, PLEASE DISREGARD THIS SECTION.

The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used wherever Mastercard debit is accepted. The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted. For more information about the Inter US Mastercard credit and debit cards please see the applicable cardholder agreements here .

THIS NEXT SECTION IS APPLICABLE FOR NON-US RESIDENTS ONLY. IF YOU ARE A RESIDENT OF THE UNITED STATES OF AMERICA, PLEASE DISREGARD THIS SECTION.

The Inter Mastercard® International Debit Card (“Global Card”) is issued by the international branch of Banco Inter S.A. in the Cayman Islands, authorized to operate as a category “B” banking institution by the Cayman Islands Monetary Authority – CIMA (“Cayman Branch”), pursuant to a license from Mastercard International Incorporated, linked to a US dollar checking account in the Cayman Islands maintained by the Cayman Branch (“Cayman Account”). For more information about the Cayman Account and the Global Card offered by the Cayman Branch, see the Cayman Account and Global Card Agreement, available here .

The Inter Mastercard® International Credit Card (“Global Credit Card”) is issued by the Cayman Branch, pursuant to a license from Mastercard International Incorporated. For more information about the Global Credit Card offered by the Cayman Branch, see the Global Credit Card Agreement, available here .

The Cayman Account, Global Card and Global Credit Card are offered by the international branch of Banco Inter S.A. in the Cayman Islands, an affiliate of Inter, and are not features of the Global Account nor are they offered by Inter & Co Payments, Inc. The Cayman Account, Global Card and Global Credit Card are not available for U.S. customers.

The Cayman Branch will gather your information in order to offer you the Cayman Account, the Global Card and the Global Credit Card. Personal data will be subject to the Data Protection Act of the Cayman Islands, as well as the General Data Protection Law. To learn more about how we protect your personal data, see our Privacy Policy, available at https://inter.co/politica-de-privacidade/ .

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