No! Calm down there. It is a benefit of the N26 Card itself. A way to reward those who have a good relationship with money and know that spending and saving are part of a financial care routine.
With Modo N, one thing helps the other. Doing the market this month yields more for Spaces the following month, helping to boost delivery and travel, for example. It's the day to day making each person's priorities yield more.
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Want to understand how this applies to your routine? So take a look at these examples:
1. To your beach vacation, you buy a Sun Protection Kit for R$100 + tickets for R$2,000 and pay for everything with the N26 Card. The following month, your Spaces money will earn 121% of the CDI.
2. The virtual card created just to pay Thor, your pet, ended the month with R$627 expenses. This yields 106% of the CDI on Spaces the following month.
3. You made the November purchase using the N26 Card credit and spent R$785. Your Spaces yield in December will be 107%. But not forever, huh. In January, the percentage will depend on how much you spent in December, and so on.
There are people who discover Modo N and ask: “But do you want me to spend even more? Is that fincare?” It's a valid question, but the answer is simple.
The idea is not to spend more. It's giving a benefit to those who already spend on normal everyday things and on exceptional things from time to time, but also want to get into the habit of saving money. Everything has to happen together, and with Modo N, one thing helps the other.
Spending on groceries this month can earn your Spaces more money in the following month, which helps to leverage, for example, the money saved for a trip at the end of the year. That's fincare.
Did you like all this? So if you already have an N26 Account, you don't need to do anything. Just put some money in Spaces, use your N26 Card and wait for more money to show up there.
If you still don't have an N26 Account, go to our Waiting List. It's already running.
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