{"id":13427,"date":"2025-11-29T16:25:21","date_gmt":"2025-11-29T16:25:21","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=13427"},"modified":"2025-12-25T01:43:37","modified_gmt":"2025-12-25T01:43:37","slug":"alemanha-cartao-funil1-mywage","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/hu\/financas\/alemanha-cartao-funil1-mywage\/","title":{"rendered":"MyWage FLORIN+ Mastercard: Ide\u00e1lis a N\u00e9metorsz\u00e1gban \u00e9l\u0151knek"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"13427\" class=\"elementor elementor-13427\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1368484 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1368484\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f9ddc22 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f9ddc22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1097d6a elementor-widget elementor-widget-html\" data-id=\"1097d6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"ad-label\" style=\"font-size:10px;text-align:center;color:#000;\">Hirdet\u00e9sek<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e02f15 elementor-widget elementor-widget-text-editor\" data-id=\"1e02f15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Se voc\u00ea est\u00e1 procurando um cart\u00e3o de cr\u00e9dito moderno, com gest\u00e3o totalmente digital e benef\u00edcios que facilitam o controle das suas finan\u00e7as, o <strong data-start=\"339\" data-end=\"371\">FLORIN+ Mastercard da MyWage<\/strong> \u00e9 uma op\u00e7\u00e3o que merece sua aten\u00e7\u00e3o. Neste artigo, voc\u00ea vai entender as principais vantagens, tarifas, crit\u00e9rios para emiss\u00e3o e recursos que tornam esse cart\u00e3o ideal para quem busca praticidade, seguran\u00e7a e transpar\u00eancia no dia a dia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f18c1ae e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f18c1ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ca27a8e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ca27a8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-676162d elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"676162d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/hu\/penzugyek\/alemanha-cartao-funil1-como-solicitar-mywage\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"217\" height=\"137\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/florin-mastercard-w217.png\" class=\"attachment-full size-full wp-image-13391\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/florin-mastercard-w217.png 217w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/florin-mastercard-w217-18x12.png 18w\" sizes=\"(max-width: 217px) 100vw, 217px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b72a4b3 elementor-widget elementor-widget-text-editor\" data-id=\"b72a4b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"612\" data-end=\"641\"><strong data-start=\"615\" data-end=\"639\">MyWage FLORIN k\u00e1rtya<\/strong><\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e824ab7 elementor-widget elementor-widget-text-editor\" data-id=\"e824ab7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nincs \u00e9ves d\u00edj<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d049dfc elementor-widget elementor-widget-button\" data-id=\"d049dfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/hu\/penzugyek\/alemanha-cartao-funil1-como-solicitar-mywage\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">K\u00c9R\u00c9S<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-825285a elementor-widget elementor-widget-text-editor\" data-id=\"825285a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(\u00c1tir\u00e1ny\u00edtjuk egy m\u00e1sik oldalra)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91e779b elementor-widget elementor-widget-text-editor\" data-id=\"91e779b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"727\" data-end=\"933\">Kiadta <strong data-start=\"740\" data-end=\"754\">Novum Bank<\/strong>, o FLORIN+ \u00e9 destinado a trabalhadores na Alemanha que desejam um cart\u00e3o de cr\u00e9dito flex\u00edvel, com bom limite e administra\u00e7\u00e3o 100% digital \u2014 <strong data-start=\"895\" data-end=\"932\">sem precisar abrir conta banc\u00e1ria<\/strong>.<\/p>\n<hr data-start=\"935\" data-end=\"938\" \/>\n<h1 data-start=\"940\" data-end=\"996\"><strong data-start=\"942\" data-end=\"996\">Principais Benef\u00edcios do MyWage FLORIN+ Mastercard<\/strong><\/h1>\n<h3 data-start=\"998\" data-end=\"1034\"><strong data-start=\"1002\" data-end=\"1032\">\u2714 Sem Anuidade para Sempre<\/strong><\/h3>\n<p data-start=\"1035\" data-end=\"1104\">Nenhuma taxa anual, independentemente do tempo de uso ou valor gasto.<\/p>\n<h3 data-start=\"1106\" data-end=\"1141\"><strong data-start=\"1110\" data-end=\"1139\">\u2714 Cart\u00e3o Digital Imediato<\/strong><\/h3>\n<p data-start=\"1142\" data-end=\"1319\">Ap\u00f3s aprova\u00e7\u00e3o, voc\u00ea recebe o cart\u00e3o virtual no app e j\u00e1 pode usar em pagamentos online ou via <strong data-start=\"1237\" data-end=\"1263\">Apple Pay \u00e9s Google Pay<\/strong>.<br data-start=\"1264\" data-end=\"1267\" \/>O cart\u00e3o f\u00edsico chega pelo correio em at\u00e9 2 semanas.<\/p>\n<h3 data-start=\"1321\" data-end=\"1364\"><strong data-start=\"1325\" data-end=\"1362\">\u2714 Limite de Cr\u00e9dito de at\u00e9 \u20ac4.000<\/strong><\/h3>\n<p data-start=\"1365\" data-end=\"1453\">O limite inicial depende do seu perfil financeiro e pode aumentar com o uso respons\u00e1vel.<\/p>\n<h3 data-start=\"1455\" data-end=\"1490\"><strong data-start=\"1459\" data-end=\"1488\">\u2714 At\u00e9 7 Semanas Sem Juros<\/strong><\/h3>\n<p data-start=\"1491\" data-end=\"1561\">Pagando o valor total da fatura at\u00e9 o vencimento, voc\u00ea n\u00e3o paga juros.<\/p>\n<h3 data-start=\"1563\" data-end=\"1610\"><strong data-start=\"1567\" data-end=\"1608\">\u2714 Pagamento Flex\u00edvel com Parcelamento<\/strong><\/h3>\n<p data-start=\"1611\" data-end=\"1680\">Se preferir pagar menos que o total, \u00e9 poss\u00edvel parcelar \u2014 com juros.<\/p>\n<h3 data-start=\"1682\" data-end=\"1731\"><strong data-start=\"1686\" data-end=\"1729\">\u2714 Seguran\u00e7a Refor\u00e7ada em Compras Online<\/strong><\/h3>\n<p data-start=\"1732\" data-end=\"1786\">Inclui autentica\u00e7\u00e3o <strong data-start=\"1752\" data-end=\"1765\">3D Secure<\/strong> para prote\u00e7\u00e3o extra.<\/p>\n<h3 data-start=\"1788\" data-end=\"1825\"><strong data-start=\"1792\" data-end=\"1823\">\u2714 Compras em Euro sem Taxas<\/strong><\/h3>\n<p data-start=\"1826\" data-end=\"1942\">Transa\u00e7\u00f5es dentro da zona do euro n\u00e3o t\u00eam custo adicional.<br data-start=\"1884\" data-end=\"1887\" \/>Compras em outras moedas t\u00eam taxa de convers\u00e3o pequena.<\/p>\n<h3 data-start=\"1944\" data-end=\"1974\"><strong data-start=\"1948\" data-end=\"1972\">\u2714 Aten\u00e7\u00e3o aos Saques<\/strong><\/h3>\n<p data-start=\"1975\" data-end=\"2043\">Sacar dinheiro n\u00e3o \u00e9 recomendado, pois h\u00e1 cobran\u00e7a de tarifas altas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b204e75 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"b204e75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e7a1cf elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"1e7a1cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/hu\/penzugyek\/alemanha-cartao-funil1-como-solicitar-mywage\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"217\" height=\"137\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/florin-mastercard-w217.png\" class=\"attachment-full size-full wp-image-13391\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/florin-mastercard-w217.png 217w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/florin-mastercard-w217-18x12.png 18w\" sizes=\"(max-width: 217px) 100vw, 217px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcddcae elementor-widget elementor-widget-text-editor\" data-id=\"dcddcae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"612\" data-end=\"641\"><strong data-start=\"615\" data-end=\"639\">MyWage FLORIN k\u00e1rtya<\/strong><\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f82f97 elementor-widget elementor-widget-text-editor\" data-id=\"7f82f97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nincs \u00e9ves d\u00edj<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f26a9ea elementor-widget elementor-widget-button\" data-id=\"f26a9ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/hu\/penzugyek\/alemanha-cartao-funil1-como-solicitar-mywage\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">K\u00c9R\u00c9S<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db03684 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"db03684\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3dfcaad e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3dfcaad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf311a6 elementor-widget elementor-widget-text-editor\" data-id=\"bf311a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(\u00c1tir\u00e1ny\u00edtjuk egy m\u00e1sik oldalra)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-832f32b elementor-widget elementor-widget-text-editor\" data-id=\"832f32b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 data-start=\"2165\" data-end=\"2216\"><strong data-start=\"2167\" data-end=\"2216\">Cart\u00e3o FLORIN+ Mastercard \u2013 Taxas e Condi\u00e7\u00f5es<\/strong><\/h1>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbe6e0d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"fbe6e0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8ac864 elementor-widget elementor-widget-text-editor\" data-id=\"b8ac864\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table>\n<thead>\n<tr>\n<th>Szolg\u00e1ltat\u00e1s<\/th>\n<th>Szabv\u00e1nyos \u00e1llapot<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>ATM p\u00e9nzfelv\u00e9telek<\/strong><\/td>\n<td>Permitidos \u2013 tarifa de 3% (m\u00ednimo \u20ac3) por saque<\/td>\n<\/tr>\n<tr>\n<td><strong>\u00c9ves d\u00edj \/ Havi d\u00edj<\/strong><\/td>\n<td>Gratuito \u2013 sem anuidade ou taxa de manuten\u00e7\u00e3o<\/td>\n<\/tr>\n<tr>\n<td><strong>Cashback<\/strong><\/td>\n<td>N\u00e3o possui programa fixo de cashback<\/td>\n<\/tr>\n<tr>\n<td><strong>Hitelkeret<\/strong><\/td>\n<td>At\u00e9 \u20ac4.000 \u2013 depende da an\u00e1lise de cr\u00e9dito (SCHUFA)<\/td>\n<\/tr>\n<tr>\n<td><strong>Compras no Exterior (fora do euro)<\/strong><\/td>\n<td>Permitidas \u2013 taxa de 2,99% por transa\u00e7\u00e3o<\/td>\n<\/tr>\n<tr>\n<td><strong>Sz\u00e1mla r\u00e9szletekben<\/strong><\/td>\n<td>Dispon\u00edvel \u2013 juros de 24,6% ao ano sobre o saldo<\/td>\n<\/tr>\n<tr>\n<td><strong>Kieg\u00e9sz\u00edt\u0151 k\u00e1rtya<\/strong><\/td>\n<td>Nem el\u00e9rhet\u0151<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45ecf69 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"45ecf69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ac5ac elementor-widget elementor-widget-text-editor\" data-id=\"e1ac5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 data-start=\"2796\" data-end=\"2828\"><strong data-start=\"2798\" data-end=\"2828\">Alkalmaz\u00e1si krit\u00e9riumok<\/strong><\/h1>\n<p data-start=\"2830\" data-end=\"2880\">Para solicitar o FLORIN+ Mastercard, \u00e9 necess\u00e1rio:<\/p>\n<ul data-start=\"2882\" data-end=\"3131\">\n<li data-start=\"2882\" data-end=\"2908\">\n<p data-start=\"2884\" data-end=\"2908\">Cadastro online r\u00e1pido<\/p>\n<\/li>\n<li data-start=\"2909\" data-end=\"2976\">\n<p data-start=\"2911\" data-end=\"2976\">Identifica\u00e7\u00e3o digital via v\u00eddeo (smartphone + documento v\u00e1lido)<\/p>\n<\/li>\n<li data-start=\"2977\" data-end=\"3028\">\n<p data-start=\"2979\" data-end=\"3028\">Aprova\u00e7\u00e3o sujeita \u00e0 an\u00e1lise de cr\u00e9dito (SCHUFA)<\/p>\n<\/li>\n<li data-start=\"3029\" data-end=\"3052\">\n<p data-start=\"3031\" data-end=\"3052\">Residir na Alemanha<\/p>\n<\/li>\n<li data-start=\"3053\" data-end=\"3076\">\n<p data-start=\"3055\" data-end=\"3076\">18 \u00e9ves vagy id\u0151sebb<\/p>\n<\/li>\n<li data-start=\"3077\" data-end=\"3131\">\n<p data-start=\"3079\" data-end=\"3131\"><strong data-start=\"3079\" data-end=\"3129\">Renda l\u00edquida m\u00ednima de \u20ac500 por m\u00eas (emprego)<\/strong><\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"3133\" data-end=\"3178\"><strong data-start=\"3137\" data-end=\"3176\">Enged\u00e9ly a korl\u00e1toz\u00e1sokkal rendelkez\u0151knek?<\/strong><\/h3>\n<p data-start=\"3179\" data-end=\"3265\">N\u00e3o \u00e9 garantida. Pessoas com hist\u00f3rico negativo no SCHUFA podem ter o pedido recusado.<\/p>\n<hr data-start=\"3267\" data-end=\"3270\" \/>\n<h1 data-start=\"3272\" data-end=\"3310\"><strong data-start=\"3274\" data-end=\"3310\">Confian\u00e7a e Seguran\u00e7a do FLORIN+<\/strong><\/h1>\n<ul data-start=\"3312\" data-end=\"3521\">\n<li data-start=\"3312\" data-end=\"3383\">\n<p data-start=\"3314\" data-end=\"3383\">Kiadta <strong data-start=\"3327\" data-end=\"3341\">Novum Bank<\/strong>, institui\u00e7\u00e3o regulada na Uni\u00e3o Europeia<\/p>\n<\/li>\n<li data-start=\"3384\" data-end=\"3419\">\n<p data-start=\"3386\" data-end=\"3419\">Gest\u00e3o completa pelo app MyWage<\/p>\n<\/li>\n<li data-start=\"3420\" data-end=\"3461\">\n<p data-start=\"3422\" data-end=\"3461\">Kompatibilis az Apple Pay \u00e9s a Google Pay szolg\u00e1ltat\u00e1ssal<\/p>\n<\/li>\n<li data-start=\"3462\" data-end=\"3521\">\n<p data-start=\"3464\" data-end=\"3521\">Seguran\u00e7a refor\u00e7ada com <strong data-start=\"3488\" data-end=\"3501\">3D Secure<\/strong> online v\u00e1s\u00e1rl\u00e1s<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"3523\" data-end=\"3526\" \/>\n<h1 data-start=\"3528\" data-end=\"3576\"><strong data-start=\"3530\" data-end=\"3576\">Para quem o FLORIN+ Mastercard \u00e9 indicado?<\/strong><\/h1>\n<ul data-start=\"3578\" data-end=\"3917\">\n<li data-start=\"3578\" data-end=\"3637\">\n<p data-start=\"3580\" data-end=\"3637\">Quem vive na Alemanha e quer um cart\u00e3o <strong data-start=\"3619\" data-end=\"3635\">nincs \u00e9ves d\u00edj<\/strong><\/p>\n<\/li>\n<li data-start=\"3638\" data-end=\"3709\">\n<p data-start=\"3640\" data-end=\"3709\">Azok a felhaszn\u00e1l\u00f3k, akik <strong data-start=\"3661\" data-end=\"3681\">aprova\u00e7\u00e3o r\u00e1pida<\/strong> e cart\u00e3o digital imediato<\/p>\n<\/li>\n<li data-start=\"3710\" data-end=\"3794\">\n<p data-start=\"3712\" data-end=\"3794\">Pessoas que precisam de <strong data-start=\"3736\" data-end=\"3758\">pagamento flex\u00edvel<\/strong> com possibilidade de parcelamento<\/p>\n<\/li>\n<li data-start=\"3795\" data-end=\"3861\">\n<p data-start=\"3797\" data-end=\"3861\">Usu\u00e1rios que fazem compras fora da zona do euro com frequ\u00eancia<\/p>\n<\/li>\n<li data-start=\"3862\" data-end=\"3917\">\n<p data-start=\"3864\" data-end=\"3917\">Quem valoriza seguran\u00e7a digital e controle pelo app<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7dd201 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"c7dd201\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8aa4a34 elementor-widget elementor-widget-text-editor\" data-id=\"8aa4a34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Benef\u00edcios Promocionais \u2013 FLORIN+ vs. Promo\u00e7\u00f5es da Plataforma MyWage<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4acffb5 elementor-widget elementor-widget-text-editor\" data-id=\"4acffb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table>\n<thead>\n<tr>\n<th>A juttat\u00e1s t\u00edpusa<\/th>\n<th>Dispon\u00edvel no FLORIN+<\/th>\n<th>Observa\u00e7\u00e3o<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Pr\u00eamios ou Vouchers<\/strong><\/td>\n<td>\u2705 Poss\u00edvel: b\u00f4nus de \u20ac50 via Vestonaut<\/td>\n<td>Promo\u00e7\u00e3o externa, sujeita a condi\u00e7\u00f5es<\/td>\n<\/tr>\n<tr>\n<td><strong>Cashback<\/strong><\/td>\n<td>\u274c N\u00e3o possui programa permanente<\/td>\n<td>Ressalva: n\u00e3o h\u00e1 cashback fixo<\/td>\n<\/tr>\n<tr>\n<td><strong>\u00dcdv\u00f6zl\u0151 b\u00f3nusz<\/strong><\/td>\n<td>\u2705 Dispon\u00edvel (em campanhas)<\/td>\n<td>Oferta verificada, mas n\u00e3o \u00e9 permanente<\/td>\n<\/tr>\n<tr>\n<td><strong>Utaz\u00e1si biztos\u00edt\u00e1s<\/strong><\/td>\n<td>\u274c N\u00e3o incluso<\/td>\n<td>N\u00e3o oferece seguros gratuitos<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-056f8b6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"056f8b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e05f661 elementor-widget elementor-widget-text-editor\" data-id=\"e05f661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 data-start=\"4494\" data-end=\"4509\"><strong data-start=\"4496\" data-end=\"4509\">K\u00f6vetkeztet\u00e9s<\/strong><\/h1>\n<p data-start=\"4511\" data-end=\"4616\">O <strong data-start=\"4513\" data-end=\"4542\">MyWage FLORIN+ Mastercard<\/strong> \u00e9 um cart\u00e3o moderno e pr\u00e1tico, ideal para quem vive na Alemanha e deseja:<\/p>\n<ul data-start=\"4618\" data-end=\"4775\">\n<li data-start=\"4618\" data-end=\"4635\">\n<p data-start=\"4620\" data-end=\"4635\">nulla \u00e9ves d\u00edj<\/p>\n<\/li>\n<li data-start=\"4636\" data-end=\"4656\">\n<p data-start=\"4638\" data-end=\"4656\">aprova\u00e7\u00e3o r\u00e1pida<\/p>\n<\/li>\n<li data-start=\"4657\" data-end=\"4684\">\n<p data-start=\"4659\" data-end=\"4684\">cart\u00e3o digital imediato<\/p>\n<\/li>\n<li data-start=\"4685\" data-end=\"4715\">\n<p data-start=\"4687\" data-end=\"4715\">flexibilidade no pagamento<\/p>\n<\/li>\n<li data-start=\"4716\" data-end=\"4739\">\n<p data-start=\"4718\" data-end=\"4739\">meger\u0151s\u00edtett biztons\u00e1g<\/p>\n<\/li>\n<li data-start=\"4740\" data-end=\"4775\">\n<p data-start=\"4742\" data-end=\"4775\">vantagens em compras no dia a dia<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4777\" data-end=\"4967\">Com gest\u00e3o simples e transparente pelo aplicativo, ele se torna uma excelente escolha para quem quer mais liberdade financeira na Alemanha, especialmente para compras dentro da zona do euro.<\/p>\n<hr data-start=\"4969\" data-end=\"4972\" \/>\n<h1 data-start=\"4974\" data-end=\"5011\"><strong data-start=\"4976\" data-end=\"5011\">FAQ \u2013 MyWage FLORIN+ Mastercard<\/strong><\/h1>\n<h3 data-start=\"5013\" data-end=\"5045\"><strong data-start=\"5017\" data-end=\"5043\">Van a k\u00e1rty\u00e1nak \u00e9ves d\u00edja?<\/strong><\/h3>\n<p data-start=\"5046\" data-end=\"5077\">Nem. Teljesen ingyenes.<\/p>\n<h3 data-start=\"5079\" data-end=\"5120\"><strong data-start=\"5083\" data-end=\"5118\">Preciso comprovar renda m\u00ednima?<\/strong><\/h3>\n<p data-start=\"5121\" data-end=\"5184\">Sim. Geralmente exige-se renda mensal est\u00e1vel a partir de \u20ac500.<\/p>\n<h3 data-start=\"5186\" data-end=\"5224\"><strong data-start=\"5190\" data-end=\"5222\">Quando posso come\u00e7ar a usar?<\/strong><\/h3>\n<p data-start=\"5225\" data-end=\"5292\">Imediatamente ap\u00f3s a aprova\u00e7\u00e3o voc\u00ea recebe o cart\u00e3o digital no app.<\/p>\n<h3 data-start=\"5294\" data-end=\"5328\"><strong data-start=\"5298\" data-end=\"5326\">Fizethetem a sz\u00e1ml\u00e1t r\u00e9szletekben?<\/strong><\/h3>\n<p data-start=\"5329\" data-end=\"5379\">Sim, por\u00e9m com juros caso n\u00e3o pague o valor total.<\/p>\n<h3 data-start=\"5381\" data-end=\"5427\"><strong data-start=\"5385\" data-end=\"5425\">M\u0171k\u00f6dik az Apple Pay \u00e9s a Google Pay?<\/strong><\/h3>\n<p data-start=\"5428\" data-end=\"5478\">Igen, mindk\u00e9t digit\u00e1lis p\u00e9nzt\u00e1rc\u00e1val kompatibilis.<\/p>\n<h3 data-start=\"5480\" data-end=\"5520\"><strong data-start=\"5484\" data-end=\"5518\">Tem seguro de viagem inclu\u00eddo?<\/strong><\/h3>\n<p data-start=\"5521\" data-end=\"5606\">N\u00e3o. O cart\u00e3o n\u00e3o oferece seguros gratuitos, mas entrega diversas vantagens pr\u00e1ticas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00fancio Se voc\u00ea est\u00e1 procurando um cart\u00e3o de cr\u00e9dito moderno, com gest\u00e3o totalmente digital e benef\u00edcios que facilitam o controle das suas finan\u00e7as, o FLORIN+ Mastercard da MyWage \u00e9 uma op\u00e7\u00e3o que merece sua aten\u00e7\u00e3o. Neste artigo, voc\u00ea vai entender as principais vantagens, tarifas, crit\u00e9rios para emiss\u00e3o e recursos que tornam esse cart\u00e3o ideal para quem busca praticidade, seguran\u00e7a e transpar\u00eancia no dia a dia. Cart\u00e3o MyWage FLORIN \u00a0 Sem Anuidade SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Emitido pelo Novum Bank, o FLORIN+ \u00e9 destinado a trabalhadores na Alemanha que desejam um cart\u00e3o de cr\u00e9dito flex\u00edvel, com bom limite e administra\u00e7\u00e3o 100% digital \u2014 sem precisar abrir conta banc\u00e1ria. Principais Benef\u00edcios do MyWage FLORIN+ Mastercard \u2714 Sem Anuidade para Sempre Nenhuma taxa anual, independentemente do tempo de uso ou valor gasto. \u2714 Cart\u00e3o Digital Imediato Ap\u00f3s aprova\u00e7\u00e3o, voc\u00ea recebe o cart\u00e3o virtual no app e j\u00e1 pode usar em pagamentos online ou via Apple Pay e Google Pay.O cart\u00e3o f\u00edsico chega pelo correio em at\u00e9 2 semanas. \u2714 Limite de Cr\u00e9dito de at\u00e9 \u20ac4.000 O limite inicial depende do seu perfil financeiro e pode aumentar com o uso respons\u00e1vel. \u2714 At\u00e9 7 Semanas Sem Juros Pagando o valor total da fatura at\u00e9 o vencimento, voc\u00ea n\u00e3o paga juros. \u2714 Pagamento Flex\u00edvel com Parcelamento Se preferir pagar menos que o total, \u00e9 poss\u00edvel parcelar \u2014 com juros. \u2714 Seguran\u00e7a Refor\u00e7ada em Compras Online Inclui autentica\u00e7\u00e3o 3D Secure para prote\u00e7\u00e3o extra. \u2714 Compras em Euro sem Taxas Transa\u00e7\u00f5es dentro da zona do euro n\u00e3o t\u00eam custo adicional.Compras em outras moedas t\u00eam taxa de convers\u00e3o pequena. \u2714 Aten\u00e7\u00e3o aos Saques Sacar dinheiro n\u00e3o \u00e9 recomendado, pois h\u00e1 cobran\u00e7a de tarifas altas. Cart\u00e3o MyWage FLORIN \u00a0 Sem Anuidade SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Cart\u00e3o FLORIN+ Mastercard \u2013 Taxas e Condi\u00e7\u00f5es \u00a0 Servi\u00e7o Condi\u00e7\u00e3o Padr\u00e3o Saques em Caixas Eletr\u00f4nicos Permitidos \u2013 tarifa de 3% (m\u00ednimo \u20ac3) por saque Anuidade \/ Mensalidade Gratuito \u2013 sem anuidade ou taxa de manuten\u00e7\u00e3o Cashback N\u00e3o possui programa fixo de cashback Limite de Cr\u00e9dito At\u00e9 \u20ac4.000 \u2013 depende da an\u00e1lise de cr\u00e9dito (SCHUFA) Compras no Exterior (fora do euro) Permitidas \u2013 taxa de 2,99% por transa\u00e7\u00e3o Parcelamento da Fatura Dispon\u00edvel \u2013 juros de 24,6% ao ano sobre o saldo Cart\u00e3o Adicional N\u00e3o dispon\u00edvel \u00a0 Crit\u00e9rios para Solicita\u00e7\u00e3o Para solicitar o FLORIN+ Mastercard, \u00e9 necess\u00e1rio: Cadastro online r\u00e1pido Identifica\u00e7\u00e3o digital via v\u00eddeo (smartphone + documento v\u00e1lido) Aprova\u00e7\u00e3o sujeita \u00e0 an\u00e1lise de cr\u00e9dito (SCHUFA) Residir na Alemanha Ter 18 anos ou mais Renda l\u00edquida m\u00ednima de \u20ac500 por m\u00eas (emprego) Aprova\u00e7\u00e3o para quem tem restri\u00e7\u00f5es? N\u00e3o \u00e9 garantida. Pessoas com hist\u00f3rico negativo no SCHUFA podem ter o pedido recusado. Confian\u00e7a e Seguran\u00e7a do FLORIN+ Emitido pelo Novum Bank, institui\u00e7\u00e3o regulada na Uni\u00e3o Europeia Gest\u00e3o completa pelo app MyWage Compat\u00edvel com Apple Pay e Google Pay Seguran\u00e7a refor\u00e7ada com 3D Secure em compras online Para quem o FLORIN+ Mastercard \u00e9 indicado? Quem vive na Alemanha e quer um cart\u00e3o sem anuidade Usu\u00e1rios que desejam aprova\u00e7\u00e3o r\u00e1pida e cart\u00e3o digital imediato Pessoas que precisam de pagamento flex\u00edvel com possibilidade de parcelamento Usu\u00e1rios que fazem compras fora da zona do euro com frequ\u00eancia Quem valoriza seguran\u00e7a digital e controle pelo app Benef\u00edcios Promocionais \u2013 FLORIN+ vs. Promo\u00e7\u00f5es da Plataforma MyWage Tipo de Benef\u00edcio Dispon\u00edvel no FLORIN+ Observa\u00e7\u00e3o Pr\u00eamios ou Vouchers \u2705 Poss\u00edvel: b\u00f4nus de \u20ac50 via Vestonaut Promo\u00e7\u00e3o externa, sujeita a condi\u00e7\u00f5es Cashback \u274c N\u00e3o possui programa permanente Ressalva: n\u00e3o h\u00e1 cashback fixo B\u00f4nus de Boas-Vindas \u2705 Dispon\u00edvel (em campanhas) Oferta verificada, mas n\u00e3o \u00e9 permanente Seguro de Viagem \u274c N\u00e3o incluso N\u00e3o oferece seguros gratuitos Conclus\u00e3o O MyWage FLORIN+ Mastercard \u00e9 um cart\u00e3o moderno e pr\u00e1tico, ideal para quem vive na Alemanha e deseja: zero anuidade aprova\u00e7\u00e3o r\u00e1pida cart\u00e3o digital imediato flexibilidade no pagamento seguran\u00e7a refor\u00e7ada vantagens em compras no dia a dia Com gest\u00e3o simples e transparente pelo aplicativo, ele se torna uma excelente escolha para quem quer mais liberdade financeira na Alemanha, especialmente para compras dentro da zona do euro. FAQ \u2013 MyWage FLORIN+ Mastercard O cart\u00e3o tem anuidade? N\u00e3o. Ele \u00e9 totalmente gratuito. Preciso comprovar renda m\u00ednima? Sim. Geralmente exige-se renda mensal est\u00e1vel a partir de \u20ac500. Quando posso come\u00e7ar a usar? Imediatamente ap\u00f3s a aprova\u00e7\u00e3o voc\u00ea recebe o cart\u00e3o digital no app. Posso parcelar a fatura? Sim, por\u00e9m com juros caso n\u00e3o pague o valor total. Funciona com Apple Pay e Google Pay? Sim, \u00e9 compat\u00edvel com ambas as carteiras digitais. Tem seguro de viagem inclu\u00eddo? N\u00e3o. O cart\u00e3o n\u00e3o oferece seguros gratuitos, mas entrega diversas vantagens pr\u00e1ticas.<\/p>","protected":false},"author":1,"featured_media":13428,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[326],"tags":[],"post_folder":[],"class_list":["post-13427","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/posts\/13427","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/comments?post=13427"}],"version-history":[{"count":46,"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/posts\/13427\/revisions"}],"predecessor-version":[{"id":17301,"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/posts\/13427\/revisions\/17301"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/media\/13428"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/media?parent=13427"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/categories?post=13427"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/tags?post=13427"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/hu\/wp-json\/wp\/v2\/post_folder?post=13427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}