What RecargaPay: Pix Cartão e Conta actually does (from store listing)
Pix with credit card, no-annual-fee card with up to 2% cashback, yield up to 110% of CDI and investments in CDB. Complete and free digital account.
More than 13 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 3.99%. Pay in up to 18 installments.
RECARGAPAY CREDIT CARDS: CHOOSE YOURS
◉ Guaranteed Limit: Build your limit starting from R$ 10. A…
Pix with credit card, no-annual-fee card with up to 2% cashback, yield up to 110% of CDI and investments in CDB. Complete and free digital account.
More than 13 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 3.99%. Pay in up to 18 installments.
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 when spending R$ 1,000/month.
◉ Black: Up to R$30,000 pre-approved. Travel insurance and access to VIP lounges. Free annual fee with R$5,000/month spending.
◉ 1.5% cashback on ALL purchases, no annual fee in the Guaranteed model and accepted internationally.
◉ Titan: 2% cashback on ALL purchases, the highest cashback in the category.
CDB INVESTMENTS WITH ABOVE-MARKET RETURNS
◉ Daily Liquidity: 107% of CDI with FGC protection.
◉ 12 months: 110% of CDI up to R$250,000 - 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 up to one thousand reais earns interest daily.
◉ Your guaranteed limit on the RecargaPay Card also earns interest.
◉ The earnings can be used 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 rate up to R$1000
◉ Mobile phone top-ups: Vivo, TIM, Claro, Claro Nxt, Correios and Surf
◉ Payment of water, electricity, internet, telephone and bank slips
◉ Installment payments up to 18x with credit card, bank slip or Pix
◉ Transportation top-ups in São Paulo, Recife, Vitória, São Luís, Maceió, Salvador, Curitiba and more
BILL AND BANK SLIP PAYMENT
◉ Bills and bank slips paid in seconds
◉ Installment payments up to 18x (check rates in the app)
SOLUTIONS FOR YOUR BUSINESS TO GROW
◉ Open your free PJ Account, no monthly fees and no bureaucracy
◉ PJ credit card without Annual fee and 1.5% cashback
◉ Receive payments at your establishment and earn up to R$ 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.
Each forecast combines App Store rating, ratings count, monetisation model, pricing tier, IAP signals and ad-supported flag.
The base estimate is then multiplied by a per-category scaling factor learned from apps with founder-verified MRR.
Every number on this page comes from public APIs and bumetric's own snapshot history.
Full methodology covers input variables, accuracy bands per category and how we treat apps without comparable anchors.
See also the live data on RecargaPay: Pix Cartão e Conta's tracker page for current rating, reviews and snapshot timeline.
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