After reaching the milestone of 20 million accounts opened, Brazil’s C6 Bank has introduced an “exclusive” service aimed at the high-income segment.
Called Carbon, the new service is free of charge and has a new proposal at the bank: the Carbon Partner, a specialized executive who “will accompany customers who require personalized service.”
The channel, with communication options by phone, WhatsApp or email, will “work from Monday to Friday, initially during business hours (8 am to 6 pm).” By the end of the year, there will be 200 new hires.
It is estimated that by 2023, the bank will “have 500 Carbon Partners.” A Carbon client who has investments in the bank will also “have a specialized investment advisory service.”
Since its launch in 2019, C6 Bank has had a range of products “aimed at the higher-income [clients,] but this is the first time that it has a service entirely aimed at this segment.”
Felipe Wey, head of the High Income segment at C6 Bank, said:
“With only three years of operation, the bank has already reached a high enough level to offer a segmentation like this. Our goal is to offer a complete digital journey, now with human value, and to continue expanding exclusive products and services to this audience.”
The bank, which has JP Morgan as a partner since last year, already “has a type of card that offers exclusive benefits to the high-income segment, the C6 Carbon, which is equivalent to a ‘black’ card at other institutions.”
In addition to the card, there are other products and services “designed to meet the demands of these customers, such as the Global Account, a pioneering account in Brazil with balances in euros and dollars, and C6 Global Invest, an international investment platform that offers sophisticated products such as hedge funds and mutual funds.”
Those who have the C6 Carbon card “have a series of benefits: access to VIP lounges at airports, up to 6 free additional cards, free C6 Tag for up to 4 cars and a special conversion into the bank’s loyalty program, the Atom Points Program.”
For every dollar spent on credit or the equivalent in another currency, Carbon customers “earn 2.5 points.”
For those who have more than R$ 1 million invested in the bank, “the conversion is 3.5 points, which makes the product one of the most competitive in the financial market.”
Atoms points can be “exchanged for cashback (cash in the account) or for products at the C6 Store, a store located within the bank’s app.”
Customers can also “exchange Átomos points for airline tickets through C6 Travel, an area within the app dedicated to travel.”
It is also possible “to use the accumulated Atoms points to pay for credit card purchases with the Pay with Points feature, known abroad as PWR, an acronym for Pay With Rewards, which arrived in Brazil exclusively at C6 Bank in partnership with Mastercard.”
In the Carbon modality, the customer is also “exempt from the Global Account opening fee, which entitles the customer to an international debit card.”
It offers “a more advantageous spread compared to an international credit card, considering transactions carried out during business hours, and IOF (Tax on Financial Operations) of 1.1% per transfer, while in common credit card transactions the charge is 6.38%.”
Account customers can also “make free withdrawals from Chase’s ATM network, which has more than 16,000 units in the United States.”
Wey added:
“Our objective is to be the main bank in the customer’s life, serving all aspects of his/her financial life, and we are already prepared for that. Today, C6 Bank is a complete bank, with more than 60 products, covering the entire financial journey, from credit cards to international investments.”