Saving money is an increasingly important goal in people's lives, especially in a scenario where prices frequently rise and budgets need to be well-planned. With the advancement of technology, several apps have emerged that help reduce expenses, organize finances, and even return part of the money spent through cashback. These apps have become important allies for those who want to consume more intelligently and make better use of each purchase.
Cashback works as a financial incentive: when purchasing products or services through partner apps, a percentage of the amount spent is returned to the user. This amount can be accumulated, used for new purchases, or transferred to a bank account, depending on the rules of each platform. When used strategically, these apps can generate significant savings over the course of a month or year.
In this article, you will learn about the main apps that help you save money and earn cashback, understand how they work, and learn how to use them correctly to get the most benefit in your daily life.
What are cashback and savings apps?
Cashback and savings apps are digital platforms that offer financial advantages to users. These advantages may include a return of part of the amount spent, exclusive discounts, promotional coupons, and financial control tools. They act as intermediaries between the consumer and partner stores, receiving a commission on sales and passing on part of that value to the user.
In addition to direct cashback, many of these apps help you save indirectly by allowing you to compare prices, track expenses, and identify spending habits that can be adjusted. Thus, they contribute not only to one-off savings but also to better long-term financial organization.
Méliuz
Méliuz is one of the best-known and most widely used cashback apps in Brazil. It primarily works for online purchases, but also has partnerships with physical stores. The user accesses the desired store through the Méliuz app or website, activates the available cashback, and makes the purchase as usual.
After the purchase is confirmed by the partner store, the cashback amount is credited to the user's account. This balance can be accumulated and, upon reaching the minimum required amount, transferred directly to a bank account. Méliuz also offers discount coupons that can be used in conjunction with cashback, further increasing savings.
This app is ideal for those who frequently shop online and want to recoup some of the money spent without changing their spending habits.
AME Digital
AME Digital is a very popular app that offers instant cashback on various purchases. It works like a digital wallet, where users make payments at partner stores and receive part of the value back almost immediately.
The balance accumulated in AME can be used to pay for new purchases within the app itself or in stores that accept this form of payment. In some cases, it is also possible to transfer the balance to a bank account, depending on the applicable rules.
AME Digital is widely used for online shopping and seasonal promotions, making it a good option for those seeking a quick return on their investment.
PicPay
PicPay is a payment app that also offers cashback on specific promotions. It allows you to pay bills, make transfers, and pay at partner establishments. In certain campaigns, the user receives part of the amount paid back as credit in the app.
This balance can be used for new transactions within PicPay, making it easier to reuse the money received. The app is widely used in daily life, especially for recurring payments, which makes cashback even more attractive when available.
PicPay doesn't offer a fixed cashback on all transactions, but its frequent promotions make it a good ally for saving money when used carefully.
Banco Inter
Banco Inter is a digital account that offers cashback on certain credit card types and purchases made within its ecosystem. Part of the amount spent is returned to the customer as balance, which can be used for payments, transfers, or other banking transactions.
For those who already use Banco Inter as their primary account, cashback becomes an additional benefit, eliminating the need to install extra apps just for this purpose. Although the return percentage may vary, it helps reduce costs when using the credit card.
Zoom
Zoom isn't a traditional cashback app, but it's one of the best allies for those who want to save money. It works as a price comparison tool, allowing users to check the price of the same product in different stores.
Furthermore, Zoom displays price history, helping to identify if an offer is truly worthwhile. By combining the use of Zoom with cashback apps like Méliuz or AME Digital, the user can buy at the lowest available price and still receive part of the value back.
This combination is one of the most efficient ways to save money on online purchases.
GuiaBolso
GuiaBolso doesn't offer direct cashback, but it's extremely useful for anyone who wants to save money consistently. The app helps organize personal finances by categorizing expenses, showing where the money is going, and identifying expenses that can be reduced.
With a clear view of their budget, users can better plan their purchases and avoid unnecessary expenses. Using GuiaBolso in conjunction with cashback apps maximizes results, as it allows users to track both spending and cashback earnings.
How to use these apps strategically.
To truly save money and earn cashback, simply installing the apps isn't enough. It's important to develop the habit of checking prices before buying, activating cashback correctly, and keeping track of available promotions.
A good strategy is always to start your purchase by researching the product on a price comparison website. Then, check if the store offers cashback through an app and activate the offer before finalizing the payment. In some cases, it's also possible to combine cashback with discount coupons, further increasing the benefit.
Another important tip is to plan larger purchases for promotional periods, when cashback percentages tend to be higher. This way, the financial return can be significant.
Caution when using cashback apps
Despite the advantages, it's crucial to pay attention to a few points. Cashback isn't always released immediately and can take days or weeks to be confirmed. Some platforms require a minimum withdrawal amount, meaning the user needs to accumulate a balance before redeeming.
It's also important to check the rules of each offer, as not all products or categories generate cashback. Reading the terms of use and monitoring the status of purchases helps avoid frustration.
The impact of cashback on personal finances
When used wisely, cashback can become an important tool for financial organization. The recovered money can be used to pay bills, bolster emergency funds, or even invest in bigger goals.
More than the monetary value itself, the use of these apps encourages more planned consumer behavior, where each purchase is analyzed more carefully.
Conclusion
Apps that help you save money and earn cashback are practical and accessible tools for those who want to improve their relationship with money. Méliuz, AME Digital, PicPay, Banco Inter, Zoom, and GuiaBolso fulfill different but complementary roles when the goal is to spend less and make better use of your budget.
By combining price comparison, cashback, and financial control, it's possible to transform everyday purchases into real savings opportunities. With planning, attention to the rules, and frequent use, these apps cease to be mere curiosities and become part of a smart and efficient financial strategy.
