English

99Pay is a digital wallet within the 99 app that helps you manage and pay your bills quickly and easily.  It offers a secure and convenient way to handle everyday payments without requiring a visit to a bank branch.  With just a few taps, you can settle your utility, internet, or tax bills directly from your phone. What Is 99Pay? 99Pay is a digital wallet built into the 99 app, one of Brazil’s leading mobility and payment platforms.  It allows … Leia mais

Workers in Brazil can verify eligibility, amount, and payment date of the PIS (Abono Salarial) at no cost through official federal channels.  This guide explains who qualifies, where to consult, and step-by-step instructions using the Carteira de Trabalho Digital app and the gov.br portal. See how to check your PIS payment online for free. What is The PIS (Abono Salarial) and Who is Eligible? The Abono Salarial is an annual benefit of up to one minimum wage, paid to eligible … Leia mais

Applying for the Carrefour credit card in Brazil can deliver real savings if you use the product as designed.  Below you’ll find how to apply online or in-store, and practical ways to save when shopping. What the Card Is and Where It Works The Carrefour credit card is issued by Banco CSF S.A., the financial arm of Grupo Carrefour Brasil.  Although promoted to Carrefour shoppers, the card operates on the Visa or Mastercard network and can be used at merchants … Leia mais

Updating your CadÚnico registration online helps ensure your information remains accurate for government benefits.  You can now do it easily through the Meu CadÚnico app or the Gov.br website without visiting CRAS.  Staying updated ensures you don’t lose access to social programs that support your family. Understanding CadÚnico You need to understand what CadÚnico is before updating your data. It’s the main registry the government uses to identify families in need of social assistance.  Knowing how it works helps you … Leia mais

Staying online while you’re out can be expensive and unpredictable.  Instabridge is a connectivity app designed to make that easier by mapping millions of free Wi-Fi hotspots worldwide.  This guide explains how to use the Instabridge app to find free Wi-Fi and what to know about safety and privacy on public networks.  What Instabridge Is Instabridge positions itself as a “super app for internet connectivity,” combining a crowdsourced Wi-Fi map with optional mobile data via eSIM.  Users can browse a … Leia mais

The Banco Inter credit card is a free international card that connects directly to your digital checking account.  You can use it for purchases both in Brazil and abroad without paying annual fees.  All management, from activation to expense tracking, happens through the Banco Inter app for full control and convenience. About the Credit Card The Banco Inter credit card is a free international card linked to your digital account, allowing you to shop online or abroad with no annual … Leia mais

Bolsa Família is Brazil’s flagship cash-transfer program, and most families today track payments by phone.  This guide explains how to check Bolsa Família Balance using your smartphone or internet access.  All steps below reference official guidance from the Ministry of Development and Social Assistance (MDS) and Caixa Econômica Federal. Before You Start: What You Need Your CPF and/or NIS number at hand. The NIS (Número de Identificação Social) appears on your Bolsa Família card and is used for payment scheduling.  … Leia mais

The Enem Fee Waiver helps low-income students take Brazil’s national high school exam without paying fees. When you apply for the Enem Fee Waiver online, you make education more inclusive. It ensures financial limits don’t block academic goals. Knowing the correct steps increases your chance of approval. Understanding the Enem Fee Waiver Learn what the Enem Fee Waiver means before starting your application. Knowing its purpose and process helps you prepare correctly for every stage. Why the Enem Fee Waiver … Leia mais

The Bolsa Família Loan is a financial resource designed to assist low-income families in Brazil.  It works as an extension of the government’s social program, providing access to credit with simplified requirements.  This article explains in detail how the loan works, eligibility conditions, and step-by-step application guidance.  Understanding the Bolsa Família Loan This section explains the basics of the Bolsa Família Loan. It helps readers understand what it is and who can access it. What is the Bolsa Família Loan? … Leia mais

The Digital Work Card has become a vital document for workers in Brazil. It replaced the physical version and brought new efficiency for employees and employers.  With just a smartphone, you can issue and manage your professional records. Learning the process ensures that you stay connected to your rights and employment history. What Is the Digital Work Card? The Digital Work Card is an official document used by all workers in Brazil. It functions as a modern replacement for the … Leia mais

Shein is one of the most downloaded shopping apps worldwide. When you download the Shein app and get shopping discounts, you unlock deals that are not available on the website. The app makes browsing, buying, and saving easier for every type of shopper. You will also find exclusive features that simplify order tracking and payment options. Why You Should Use the Shein App? Shopping through the Shein app provides several unique advantages. You gain faster checkout, exclusive coupons, and personalized … Leia mais

Minha Casa, Minha Vida (MCMV) is Brazil’s flagship housing program, relaunched in 2023 and updated for 2025.  Registration and selection vary by income “faixa” (band) and by whether the home is subsidized (mainly Faixa 1) or financed (Faixas 1–3).  Below is a step-by-step guide, using criteria and procedures published by federal and municipal authorities. Who Can Apply in 2025 MCMV serves families with a gross monthly income of up to R$8,000 in urban areas or a gross annual income of up to … Leia mais

Caixa Tem app is Caixa Econômica Federal’s free digital account and mobile app created to simplify access to social benefits and basic banking services in Brazil.  Below is a clear, step-by-step guide to help you use the app safely and effectively. What Caixa Tem App Is  Caixa Tem is a free digital account and app from Caixa that lets beneficiaries move money and use financial services on a smartphone.  The app was designed to make everyday tasks—checking balances, paying bills, … Leia mais