CAIXA Tem was designed to facilitate access by all Brazilians to banking services and transactions. With it, you have a free digital account to use on a daily basis. You can receive and send money with Pix, save money, pay bills and bills, recharge your cell phone, take out insurance, pay at the machine, take out loans and withdraw money without a card. In addition, with your virtual debit card, you can shop online, pay for your purchases using your preferred delivery or video and music app, and transfer money via WhastApp. The CAIXA Tem application is lightweight and compatible with virtually all cell phones. Navigation consumes little internet and is compatible with available cellular networks. CAIXA Tem is also inclusive and offers accessibility for People with Disabilities (PwD).