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C6 Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

C6 Bank suits Brazilian customers who want a card, an easy access deposit and personal loans in one app. Its credit check is soft prequalification, borrowing runs to 48, and free early repayment is allowed on the loans it approves for current account holders.

Key facts

Best for
A no fee card, an easy access deposit and personal loans inside one Brazilian app.
Currency conversion fee
2%↗
Rewards type
Points↗
Card kind
Credit↗
Legal entity
Banco C6 SA↗
Headquarters
Brazil↗
Founded
2018↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
c6bank.com.br

Loans

Term
48 months↗
Credit check
Soft prequal↗
Funding time
Money lands in the account within minutes, subject to approval↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Existing C6 Bank account holders, individuals, subject to credit analysis↗
Loan types
Personal, Debt-consolidation, Credit-line, Secured, Car, Business↗
Use cases
Home-improvement↗

Savings

Headline rate
101.5%↗
Minimum deposit
R$20↗
Access terms
Daily liquidity CDB, redeemed in the app and credited the same day↗
Monthly fee
R$0↗
Account kind
Easy access↗

Debit cards

Card type
Debit↗
Card network
Mastercard↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInXTrustpilot

Pros and cons

Pros

  • The fee model is no annual fee and the monthly account fee is BRL 0, so the account costs nothing to hold.
  • Approved loans reach the account within minutes, so the wait after a decision is short.
  • Support runs on email, chat and phone, giving several direct routes to help.
  • The daily liquidity CDB is redeemed in the app and credited the same day, from a BRL 20 entry point.

Cons

  • Currency conversion of 2% sits above the 1% median for the products on the site, so foreign spending costs more.
  • The card pays points rather than cash, and points are a smaller group than cashback among the cards on site (21.3%).
  • Only current account holders can apply for a loan, and every case is reviewed on credit history, so borrowing starts only after the account exists.
C6 Bank

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Existing C6 Bank customers who want the card, the deposit and the loan handled from one app.
  • Borrowers who prefer a soft prequalification check (soft prequal) and money in the account within minutes of approval.
  • Households ready to place a small starting balance, since the CDB opens at BRL 20 and keeps easy access terms.

Who should look elsewhere

  • Starling Personal Account Debit Card, whose rewards type is none, which suits readers who want an everyday account with no rewards scheme.
  • Varo Believe Secured Credit Card, where rewards are cashback, simpler than earning points on a secured card.
  • Chime Card (Secured Visa Credit Card), a secured card paying cashback, picked by readers who spend rather than borrow.

How C6 Bank compares

Where C6 Bank is available

Available
Brazil

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold a C6 Bank account?+

The monthly account fee is BRL 0 and the fee model is no annual fee, so there is nothing to pay for holding the account. Foreign currency conversion is charged at 2%, which is the main everyday cost for anyone spending outside Brazil.

How do I earn rewards on the C6 Bank card?+

Rewards are paid in points, and the app listing tags rewards as a core feature. Cashback is the most common reward type across the site, at 45.9%, so a points scheme puts C6 Bank outside the largest group of cards readers compare.

How do I get money out of the C6 Bank deposit?+

The deposit is a daily liquidity CDB with easy access terms. You redeem it in the app and the money is credited the same day. A starting balance of BRL 20 keeps the entry point small for a household testing the account before adding more.

Can I borrow from C6 Bank, and what credit check applies?+

C6 Bank is a direct lender and its credit check is soft prequal rather than a full file search. Only current account holders can apply, and every case is reviewed on credit history, so the account has to come before the loan.

How quickly does a C6 Bank loan reach my account?+

Approved loans typically reach the account within minutes. Same day funding covers 30.8% of the site, so a wait measured in days would be the exception here. Approval still depends on the credit analysis applied to each applicant.

What can I use a C6 Bank loan for, and over what term?+

Loan types listed include personal, debt consolidation and credit line, and the stated use case is home improvement. The term runs to 48 and free early repayment is allowed, so clearing the balance early does not carry a charge. Borrowing goes through C6 Bank directly as a direct lender.

How do I reach C6 Bank support?+

Support runs on email, chat and phone, so email, chat, phone and a help centre are all listed. C6 Bank was founded in 2018, and the lending and deposit services are reached from the same app, which keeps help in one place.

Which country does C6 Bank serve?+

C6 Bank is registered as Banco C6 SA and headquartered in Brazil, so the account, the card and the loan are built for Brazilian customers. Lending is aimed at people who hold an account already rather than at open sign ups from other markets.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Annual fee, APR.

C6 Bank

C6 Bank

A no fee card, an easy access deposit and personal loans inside one Brazilian app.

8.8/10See alternatives