Oinc - Guarde sem perceber 1.9.0

Regain control over your finances with Oinc.

Managing personal finances can be a challenging task. Oinc aims to streamline this process, allowing users to save money effortlessly while making everyday purchases.

With Oinc, you can set up recurring deposits using your credit card and round up transaction amounts. For example, if you make a purchase on a delivery service for R$ 24.40, an extra R$ 0.60 can automatically be saved. This rounding up feature can apply to all your credit card transactions, from ride shares to monthly subscriptions like Netflix and Spotify. Over time, these small amounts can accumulate into significant savings without requiring any extra effort from you.

All saved money accrues interest at 100% of the Selic interest rate through a digital account specifically designed for goal-oriented saving. Funds deposited in Oinc are invested in Tesouro Direto, one of the safest investment options available in Brazil.

• Oinc Premium Trial: Try Oinc Premium free for 30 days; with the option to cancel anytime.

How It Works:

• For R$ 3.90 per month, users can subscribe to Oinc Premium, which includes automated savings through the Automatic Piggy Bank and the Round-Up feature.
• To utilize the Automatic Piggy Bank, simply configure the desired recurring amount—transactions will be processed automatically using the enrolled credit card.
• The Round-Up feature allows users to connect multiple bank accounts. Currently compatible banks include Nubank, Itaú, Santander, Inter, Banco do Brasil, and Caixa.
• The rounded-up amounts from purchases across connected accounts will be deposited into Oinc every Monday as a single transaction and will start accruing interest immediately.

Subscription Terms and Pricing:

• Oinc Free: Free account that allows users to save and earn interest on their funds.
  • Manual deposits via Pix, TED, or Boleto.
  • Track progress toward savings goals.
  • Earnings at 100% of the Selic rate—superior to traditional savings accounts.
• Oinc Premium: R$ 3.90 per month.
  • Includes all features from Oinc Free plus automated savings options (Automatic Piggy Bank and Round-Up).
  • Automatic Piggy Bank: Save automatically via credit card transactions.
  • Round-Up: Automatically round up transaction values and accumulate spare change.

Security and Data Privacy:

The registration process requires only essential data per Brazilian regulations, particularly those set by BACEN (Central Bank of Brazil), ensuring compliance with financial activity standards. We prioritize your security and adhere strictly to data protection laws in Brazil.

Your information is encrypted using AWS technology, renowned for its security measures utilized by major corporations like Apple, Amazon, Netflix, and Nubank, as well as U.S. Government entities.

Oinc leverages Open Banking through partnerships, an innovative system created by the Central Bank aimed at enhancing customization of financial services through an open and secure framework for sharing data.

The Oinc team is readily available to support clients; simply reach out via direct message on Instagram, visit our website, or send an email to contato@useoinc.com.br.

For More Information:

• Website
• Blog

Follow Us on Social Media:

• Instagram: @useoinc
• TikTok: @useoinc
• YouTube: @useoinc

Read our terms and conditions here.

Read our privacy policy here.