next
next: A free mobile account combining Pix, cards, investments and Open Finance. Ranked #16 of 23 in Digital Banking Apps in Brazil by our editors (7.7/10); pricing: Free plan; best for mobile banking with wallets and Open Finance.
At a glance
- Editor score7.7 / 10
- PricingFree plan
- Best forMobile banking with wallets and Open Finance
- Free planYes
- Paid fromNone
- Pix transfersYes
- Facts checked4 Oct 2026
Where it wins
- Free digital account with Pix payments, transfers and receipts
- Supports Apple Pay, Google Pay and Samsung Pay
- Aggregates accounts through Open Finance
Where it doesn't
- Credit card access is subject to approval
- Visa Platinum has a monthly fee after its introductory period
- Mobile-only access; web access is not listed
Our verdict on next
next is Banco Bradesco S.A.’s digital banking app for individual customers in Brazil. It brings together an account, Pix payments and transfers, debit card access, bill payments and savings and investment options, including fixed-income products. Credit cards are available subject to approval. The app is aimed at people who want everyday banking and wallet payments on a phone, with Open Finance account aggregation and support for both iOS and Android. A separate nextJoy account offering is described for children and teenagers linked to a guardian’s account.
Wallet and service connections are a notable part of the app’s fit. It supports Apple Pay, Google Pay and Samsung Pay, and lists WhatsApp, Ágora and Livelo among its integrations. Open Finance account aggregation can bring accounts into the app, while Ágora is associated with investment products. That combination suits customers who want payments, cards and investment options together in a mobile banking relationship. Support channels include chat, phone and email.
The standard Visa International card is described as free, while the Visa Platinum card has a monthly fee after its introductory period; those are card fees, not a recurring account fee. The account is described as free, and the pricing model is free. The limitations are practical: credit card access depends on approval, and the product is mobile-only, so it is not a fit for someone seeking web banking access. Choose next if phone-based Pix, wallet payments and account aggregation are central to your banking; consider another option if desktop access or assured credit-card eligibility matters more.
next pricing
next fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Pix transfers | Yes |
| Debit card | Yes |
| Credit card | Yes |
| Savings options | Multiple |
| Overdraft | Not verified |
| Mobile platforms | Both |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Live chat, Phone, Email |
| Built for | Solo (editorial estimate) |
| Integrations | 6 integrations: Apple Pay, Google Pay, Samsung Pay, WhatsApp, Ágora, Livelo |
| Pricing | Free plan |
| Website | next.me |
| Facts checked | 4 Oct 2026 |
next integrations
next lists 6 integrations on its own site.
- Apple Pay
- Google Pay
- Samsung Pay
- Ágora
- Livelo
Alternatives to next
- NubankA free mobile account for everyday banking and savings goals, with credit subject to approval.9.3
- BTG Pactual BankingA free mobile account pairs everyday payments with cards, yield and eligibility-based credit.9.2
- Banco do Brasil Conta DigitalA free digital account with Pix, banking tools, cards and investments.9.1
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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