iti review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
iti centres on everyday accounts linked to cards, personal borrowing and debt reorganisation support. It is a bank for households that want routine tasks, spending insight and online contracting managed together through mobile apps.
Key facts
- Best for
- Households managing accounts, cards and borrowing together
- Rate type
- Variable↗
- Access terms
- 100% digital and free, in the Itau app↗
- Monthly fee
- R$0↗
- Account kind
- Cash management↗
- Legal entity
- Itau Unibanco Holding↗
- Headquarters
- Brazil↗
- Founded
- 2019↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- iti.itau
Credit cards
- Annual fee
- R$0↗
- Rewards type
- Cashback↗
- Rewards rate
- Cashback through missões (missions/challenges)↗
- Perks
- Visa Platinum benefits, Purchase protection, Price protection, International medical emergency assistance, Travel services, Extended warranty coverage↗
- Card kind
- Credit↗
- Features
- Rewards
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Elsewhere
- LinkedInXinstagram.comtiktok.com
Pros and cons
Pros
- Offers current accounts together with credit cards for everyday use.
- Provides personal borrowing aimed at workers with formal employment.
- Supports debt reorganisation alongside standard banking products.
- Shows spending patterns and credit details inside the mobile apps.
Cons
- Contracting and day to day management focus on online and mobile channels.
- The range centres on general banking rather than specialist savings products.
- Spending insight depends on using the mobile apps regularly.
Ready to try iti?
Who it suits
- Households wanting accounts, cards and loans together
- People reorganising debts alongside everyday banking
- Mobile users tracking spending and credit in apps
Who should look elsewhere
- Savers seeking specialist deposit only providers
- Households avoiding mobile led account management
How iti compares
Where iti is available
- Available
- Brazil
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products does iti cover?+
iti covers current accounts, credit cards, personal borrowing and support for reorganising existing debts. Customers can also request duplicate bills and card invoices. The emphasis stays on routine household money needs.
Who can open an account or apply?+
The service addresses people who want to open an account and manage borrowing in one place. It suits households handling cards, loans and debt reorganisation together. Workers with formal employment are mentioned for personal borrowing.
What can customers do through the mobile apps?+
Customers use the mobile apps to follow spending and see where money goes. The apps also bring credit information together in one view. Card invoices and duplicate documents can be requested through those channels.
How does support for debt reorganisation work?+
iti provides dedicated support for reorganising personal finances and renegotiating debts. Guidance is offered alongside borrowing and account solutions. Help channels are available for everyday questions about bills and cards.
Does iti charge a monthly fee?+
The monthly fee at iti is R$0. (Source, checked September 26, 2026)
Which company operates iti?+
iti is operated by Itau Unibanco Holding. (Source, checked September 26, 2026)
Where is iti based?+
iti is based in Brazil. (Source, checked September 26, 2026)
When was iti founded?+
iti was founded in 2019. (Source, checked September 26, 2026)
Sources
- indoleads.com/en/blog/new-offer-launched-iti-itau-affilia... checked September 26, 2026
Backs: Pricing model
“iti is a Brazilian digital bank with no annual fee credit card”
- pt.wikipedia.org/wiki/Ita%C3%BA_Unibanco checked September 26, 2026
Backs: Founded
- web.archive.org/web/20250108182209/https://iti.itau checked September 26, 2026
Backs: Access terms, Account kind, Headquarters, Legal entity, Monthly fee, Rate type, Support channels
“Continua 100% digital e gratuita no app Itaú”
- mobills.com.br/blog/cartao-de-credito/iti-itau checked September 26, 2026
Backs: Annual fee, Card kind, Features, Perks, Rewards rate, Rewards type
“Gratuita (Free) - The card has no annual fee.”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Term, Minimum deposit, Deposit protection.
iti
Households managing accounts, cards and borrowing together