Meliuz Key Facts

• Customer service phone: 0800301
• Service hours: Monday-Friday, 9am-6pm
• Languages: French, English, Spanish
• Contact methods: Phone, Email, Mobile App, Live Chat

About Meliuz

Meliuz: Complete Guide to the Brazilian Cashback Neobank

In the dynamic landscape of Latin American fintechs, Meliuz has established itself as an essential cashback reference in Brazil. Founded in 2011, this neobank has transformed the way millions of Brazilian consumers make their online and in-store purchases, enabling them to recover a portion of their spending as cashback. With more than 30 million registered users and partnerships with thousands of brands, Meliuz today represents far more than a simple cashback platform: it's a complete financial ecosystem that integrates banking services, credit cards, payment solutions, and a revolutionary loyalty program. This comprehensive guide presents everything you need to know about Meliuz, from its fascinating history to its international expansion prospects, including its offers, features, and user reviews. To contact Meliuz customer service, the process is done directly via app, ensuring fast and efficient handling of all your requests.

General Overview of Meliuz

Meliuz is a Brazilian financial technology company specializing in cashback and digital financial services. Listed on the São Paulo B3 stock exchange under the ticker CASH3, it became the first cashback company to go public in Brazil in 2020. The Meliuz platform operates on a simple but effective model: users make their purchases via the Meliuz platform or app, and receive a percentage of the amount spent as cashback. This business model is based on the affiliate commissions Meliuz receives from partner merchants, a portion of which is redistributed to consumers. The official Meliuz website is accessible at meliuz.com.br, where users can sign up for free and start enjoying benefits immediately. Customer service is available via app for any questions regarding features or refunds.

As a cashback neobank, Meliuz distinguishes itself from traditional Brazilian banks through its consumer-centric approach and its ability to offer tangible benefits on every transaction. The company has capitalized on the digital transformation of the Brazilian financial sector, notably with the introduction of the PIX instant payment system by the Central Bank of Brazil, to offer modern and accessible payment solutions for everyone. Phone is not the primary contact channel at Meliuz: all support interactions take place via app, in line with the company's digital philosophy.

1. Background and History of Meliuz

Meliuz's story begins in 2011 in Belo Horizonte, in the state of Minas Gerais, Brazil. Co-founders Israel Salmen and Ofli Guimarães had the vision of creating a platform that would reward Brazilian consumers for their online purchases. At that time, the cashback concept was still relatively unknown in Brazil, although it was already popular in the United States with platforms like Ebates (later Rakuten). Salmen and Guimarães identified a major opportunity in the Brazilian market, where e-commerce was experiencing exponential growth and consumers were looking for ways to optimize their purchasing power in the face of persistent inflation.

Meliuz's early years were marked by sustained organic growth. The company began by offering cashback on online purchases from a few dozen commercial partners. The business model was simple: Meliuz received an affiliate commission from merchants for each sale generated through its platform, and passed a portion of this commission back to the user as cashback. This clear and transparent value proposition quickly won over Brazilian consumers, enabling Meliuz to reach its first million users in just a few years.

In 2014, Meliuz received its first significant investment, which allowed it to accelerate its technological development and expand its partner network. The company launched its browser extension, a tool that would become central to its user acquisition strategy. This extension automatically notifies users when they visit a Meliuz partner site, reminding them to activate cashback before finalizing their purchase. This innovation significantly increased the conversion rate and user retention on the Meliuz platform.

The year 2016 marked a strategic turning point for Meliuz with the launch of its mobile app. Recognizing the growing trend of m-commerce in Brazil, the company invested heavily in developing an intuitive and performant application. The Meliuz app not only provided access to online cashback, but also allowed users to scan barcodes in-store to check available offers. For any technical assistance, users could now contact support directly via app, without needing to go through a traditional telephone call center.

Between 2017 and 2019, Meliuz experienced a phase of accelerated expansion. The company diversified its services by introducing discount coupons, a price comparison tool, and exclusive offers negotiated directly with partner brands. The number of partner merchants exceeded 1,000, including major retailers such as Americanas, Magazine Luiza, Amazon Brazil, Casas Bahia, and many others. Meliuz's user base crossed the 10 million registered users mark, making the platform the undisputed cashback leader in Brazil.

Meliuz's IPO in November 2020 was a historic event for the Brazilian fintech. Listed under the ticker CASH3 on the B3, Meliuz became the first cashback company to go public in Latin America. The IPO allowed the company to raise substantial funds to finance its expansion and diversification projects. The Meliuz share price appreciated strongly in the months that followed, reflecting investor confidence in the company's business model and growth potential.

In 2021, Meliuz made several strategic acquisitions that profoundly transformed its market positioning. The acquisition of Bankly, a banking-as-a-service platform, enabled Meliuz to offer full banking services to its users, including a digital account, debit card, and PIX transfers. This acquisition marked Meliuz's transition from a simple cashback platform to a full-fledged neobank. The company also acquired Picodi, an international coupon platform present in more than 40 countries, paving the way for Meliuz's international expansion.

The year 2022 was marked by significant challenges for Meliuz, as for the entire Brazilian fintech sector. Interest rate hikes by the Central Bank of Brazil (SELIC reaching 13.75%) and the post-pandemic e-commerce growth slowdown put pressure on the company's margins. Meliuz had to make strategic adjustments, including workforce reductions and a refocusing on its most profitable activities. Despite these difficulties, the company maintained its position as Brazil's cashback leader and continued to innovate in its financial services.

In 2023, Meliuz announced a major strategic partnership with Banco Votorantim (BV), one of Brazil's largest financial institutions. This partnership enabled Meliuz to offer an expanded range of financial products, including personal loans, insurance, and investment products, while maintaining its cashback-centered value proposition. This partnership with BV consolidated Meliuz's position as an innovative neobank capable of competing with established players in the Brazilian financial market. Users wishing to learn more about these new products can obtain complete information via app.

Today, Meliuz has more than 30 million registered users and collaborates with thousands of partner merchants in Brazil and internationally. The company continues to innovate by integrating cutting-edge technologies like artificial intelligence to personalize cashback offers and improve the user experience. Meliuz's long-term vision is to become the leading consumer-centric financial ecosystem in Latin America, combining cashback, banking services, and payment solutions in a single, accessible platform.

2. Meliuz Plans and Pricing

One of Meliuz's greatest strengths lies in its extremely attractive pricing policy for consumers. Registration on the Meliuz platform is entirely free, and using the basic services requires no subscription or maintenance fees. This zero-fee approach is a decisive competitive advantage over traditional Brazilian banks, which typically charge monthly account maintenance fees that can reach several tens of reais.

Meliuz Digital Account

The Meliuz digital account is offered with no opening fees or monthly maintenance charges. This account allows users to make unlimited free PIX transfers, pay boletos bancários (Brazil's widely used invoice-based payment system), and manage their cashback balance. Account opening is done directly in the Meliuz app in a few minutes, with simplified identity verification compliant with the Central Bank of Brazil's regulatory requirements. For any questions about the account opening process, support is available via app.

Cashback Rates

Cashback rates offered by Meliuz vary considerably depending on the partner merchants and current promotions. As a general rule, standard cashback rates range from 0.5% to 15% of the purchase amount, depending on product categories and agreements negotiated with each merchant. Some special promotions, particularly during major commercial events like Black Friday, Dia do Consumidor, or Meliuz's anniversary, can offer exceptional cashback rates of up to 50% or more on selected products.

Product categories that generally offer the best cashback rates on Meliuz include fashion and accessories (5% to 15%), beauty products and cosmetics (3% to 12%), travel and accommodation services (2% to 8%), streaming subscriptions and digital services (5% to 20%), and telecommunications (3% to 10%). Electronics and home appliances generally offer more modest cashback rates (0.5% to 5%), but absolute amounts can be significant given the high price of these items in Brazil.

Meliuz Credit Card

The Meliuz credit card, issued in partnership with Mastercard, is offered with no annual fees, which is a considerable advantage in the Brazilian market where credit card annual fees can reach 500 BRL or more. This card offers automatic cashback on all purchases, whether made at Meliuz partners or not. The standard cashback rate on non-partner purchases is 0.5% to 1%, while purchases at Meliuz partners benefit from enhanced rates that can reach 5% or more cumulatively.

The Meliuz credit card also offers additional benefits such as the ability to choose the best billing date, minimum or full bill payment via PIX, and access to exclusive offers reserved for cardholders. Credit limits are determined individually based on each user's financial profile, with automatic adjustments based on usage history and payment behavior. Users can request their credit card and track their application status directly via app.

Meliuz Shopping

Meliuz Shopping is the marketplace integrated into the Meliuz ecosystem, where users can compare prices of thousands of products from different partner merchants while automatically benefiting from cashback. This feature allows consumers to identify the best deals by combining the lowest price with the highest cashback rate, maximizing savings on every purchase. Access to Meliuz Shopping is free and requires no additional fees.

Referral Program

Meliuz offers an attractive referral program that rewards existing users when they invite new members to join the platform. The referrer receives a cashback bonus when the referred user makes their first purchase via Meliuz, and the new user also receives a welcome bonus. Exact referral program conditions vary based on current promotions, but typical bonuses range from 5 to 20 BRL for the referrer and 3 to 10 BRL for the new user. This program is a powerful acquisition driver for Meliuz and contributes significantly to the growth of its user base.

Meliuz Bitcoin

In 2022, Meliuz launched an innovative feature allowing users to convert their cashback into Bitcoin. This option, called Meliuz Bitcoin, allows consumers to automatically transform their refunds into cryptocurrency, providing exposure to the digital asset market without additional investment. Buying and selling Bitcoin is also possible directly in the Meliuz app, with competitive transaction fees compared to specialized exchange platforms. This feature was developed in response to Brazilians' growing interest in cryptocurrencies and positions Meliuz at the forefront of financial innovation in Latin America.

Cashback Withdrawal

Cashback accumulated on Meliuz can be withdrawn in several ways. The most common method is transfer to a bank account via PIX, which is free and instant starting from a minimum balance of 20 BRL. Users can also use their cashback to make purchases directly at Meliuz partners, or convert it to Bitcoin via the Meliuz Bitcoin feature. Cashback balance tracking and withdrawal requests are easily managed via app, providing complete transparency on accumulated amounts and pending transactions.

3. Meliuz Features

Meliuz's technology ecosystem is built on a set of sophisticated features designed to maximize user savings and simplify their shopping experience. Each feature was developed in response to the specific needs of Brazilian consumers and integrates the latest innovations in financial technology.

Meliuz Browser Extension

The Meliuz browser extension is available for major web browsers (Chrome, Firefox, Edge) and is one of the platform's most popular tools. Once installed, this extension automatically detects when the user visits a Meliuz partner site and displays a popup notification indicating the available cashback rate. The user simply clicks the notification to activate cashback, which will be automatically credited to their Meliuz account after the purchase is confirmed. The Meliuz browser extension also integrates a price comparison tool and a discount coupon aggregator, allowing users to ensure they're getting the best possible deal on every purchase. This feature has been a key driver of Meliuz's growth, as it considerably reduces friction in the cashback activation process.

Meliuz Mobile App

The Meliuz mobile app, available on iOS and Android, centralizes all platform features in an intuitive and ergonomic interface. The app allows users to search for cashback offers by category, merchant, or keyword, scan barcodes in-store to check available offers, manage their digital account and credit card, and track the status of their cashback refunds in real time. The Meliuz app also integrates a personalized notification system based on artificial intelligence, alerting users to cashback offers matching their shopping habits and interests. All support and claims functions are accessible directly via app, eliminating the need to contact customer service by traditional telephone.

Integrated PIX

Meliuz has integrated the Central Bank of Brazil's PIX instant payment system directly into its platform. Users can make free, instant PIX transfers from their Meliuz digital account, receive payments via PIX using their personalized PIX key (CPF, email, phone number, or random key), and pay their bills and boletos via PIX. Meliuz's PIX integration also supports PIX Saque and PIX Troco, allowing users to withdraw cash or receive change when making purchases at participating merchants. This complete PIX integration makes Meliuz a full payment solution capable of replacing a traditional bank account for many Brazilian users.

In-Store Cashback

Beyond online cashback, Meliuz also offers cashback deals at physical stores. Users can activate specific cashback offers in the app before going to the store, then validate their purchase by linking their payment card to their Meliuz account. Cashback is automatically credited after transaction verification, without requiring barcode scanning or coupon presentation. This in-store cashback feature has considerably broadened Meliuz's appeal among consumers who prefer in-person shopping over e-commerce.

Price Comparison Tool

The price comparison tool integrated into Meliuz allows users to instantly compare prices of the same product across different partner merchants. This comparator takes into account not only the listed price, but also the cashback rate offered by each merchant, estimated shipping costs, and any applicable discount coupons. The result is a ranking of offers by actual net cost to the consumer, enabling an informed purchasing decision in seconds. Meliuz's price comparison tool covers thousands of products across varied categories, from electronics to fashion to groceries and travel.

Coupons and Promotional Codes

Meliuz aggregates and verifies thousands of coupons and promotional codes from its partner merchants daily. These coupons are accessible for free in the app and on the Meliuz website, and can be combined with cashback to maximize savings. The Meliuz team regularly tests coupon validity to ensure users don't waste time with expired or invalid codes. Coupons are categorized by category, popularity, and expiration date, making it easy to find the best deal for every purchase.

Cashback History and Tracking

The Meliuz app offers a comprehensive dashboard allowing users to track the status of each cashback in real time. Each transaction is classified into one of the following statuses: pending (the purchase has been recorded but the merchant hasn't confirmed yet), approved (the merchant has validated the purchase and cashback will be credited), available (the cashback is credited and can be withdrawn), or cancelled (the purchase was returned or the cashback wasn't validated). This transparent tracking system reinforces users' trust in the Meliuz platform and allows them to effectively manage their refunds. In case of discrepancies or issues with a cashback, support is accessible via app to quickly resolve the situation.

Smart Notifications

Meliuz uses artificial intelligence and machine learning algorithms to personalize the notifications sent to users. These notifications cover new cashback offers matching the user's shopping habits, price alerts when a tracked product drops below a defined threshold, reminders for coupons about to expire, and major seasonal promotions. Users can customize their notification preferences to receive only the most relevant alerts, avoiding information overload while never missing a significant savings opportunity.

Meliuz Nota Fiscal

A unique feature of Meliuz is its integration with Brazil's notas fiscais (electronic invoices) system. Users can scan the QR codes of their notas fiscais directly in the Meliuz app to receive cashback on purchases made at participating supermarkets, pharmacies, and other neighborhood stores. This feature leverages Brazil's mandatory electronic invoice system (NFC-e) and offers additional cashback on everyday purchases that are traditionally not covered by online cashback programs. Scanning the nota fiscal is done quickly via app, making the process simple and accessible even for the least tech-savvy users.

4. Meliuz Additional Services

Over the years, Meliuz has significantly expanded its service offering beyond traditional cashback. This strategic diversification aims to transform Meliuz into a complete financial ecosystem capable of meeting all of its users' financial needs.

Meliuz Seguros (Insurance)

In partnership with established insurers, Meliuz now offers a range of insurance products accessible directly from the app. Users can purchase auto, home, life, and travel insurance at competitive rates while benefiting from cashback on premiums paid. The subscription process is fully digital and can be completed in minutes via app. Quotes are generated instantly and insurance policies are issued electronically, eliminating the paperwork traditionally associated with insurance products. Meliuz acts as a digital broker, comparing offers from multiple insurers to provide the best price-coverage combination to its users.

Meliuz Viagens (Travel)

Meliuz Viagens is a travel booking portal integrated into the platform, offering cashback on hotel, flight, car rental, and tour package reservations. In partnership with major travel platforms like Booking.com, Expedia, and Decolar, Meliuz allows its users to plan and book their entire trip while accumulating significant cashback. Cashback rates on travel services are generally among the most attractive on the Meliuz platform, reaching 8% to 12% on certain hotel bookings. This feature has been particularly popular since the post-pandemic tourism recovery in Brazil.

Crédito Meliuz (Credit)

Thanks to its partnership with Banco Votorantim (BV) and other financial institutions, Meliuz offers personal credit solutions to its users. Meliuz personal loans stand out with competitive interest rates, fast approval based on analysis of the user's financial profile, and the possibility of receiving cashback on interest paid. Loan amounts range from a few hundred to several tens of thousands of reais, with flexible repayment terms from 3 to 48 months. Credit applications are made entirely via app, with a preliminary response in minutes and fund release within 24 to 48 hours for approved applications.

Investimentos Meliuz (Investments)

Meliuz recently introduced investment features allowing users to grow their accumulated cashback. Beyond the Bitcoin conversion already mentioned, users can invest their cashback in fixed-income products (CDB, tesouro direto), investment funds, and other financial instruments available in Meliuz's partner ecosystem. This investment feature aims to encourage financial education and saving among Meliuz users, offering a simple and accessible way to start investing with small amounts generated from everyday purchases.

Meliuz Recarga (Mobile Top-Up)

Meliuz's mobile top-up service allows users to recharge their prepaid phone credit directly from the app, with cashback on every top-up. This service covers all major Brazilian mobile carriers, including Vivo, Claro, TIM, and Oi. Top-ups are processed instantly and cashback is automatically credited to the user's Meliuz account. This service is particularly popular in Brazil, where a significant proportion of the population still uses prepaid plans.

Meliuz Gift Cards

Meliuz offers digital gift card purchases for dozens of popular brands, with cashback on every purchase. Gift cards are available for retailers like Netflix, Spotify, Uber, iFood, Google Play, PlayStation Store, and many more. Gift cards purchased via Meliuz are delivered instantly electronically and offer additional cashback compared to purchasing directly from the provider. This feature allows users to stack savings: the Meliuz cashback on the gift card purchase is added to any promotions offered by the retailer.

Programa Indica (Ambassador Program)

Beyond simple referrals, Meliuz has developed an ambassador program for its most active and influential users. Meliuz ambassadors benefit from enhanced cashback rates, early access to new features, exclusive promotions, and advanced sharing tools to recommend the platform to their network. This program creates a virtuous circle where the most engaged ambassadors contribute to Meliuz's growth while receiving increased rewards.

Parcerias Exclusivas (Exclusive Partnerships)

Meliuz regularly negotiates exclusive partnerships with top-tier brands to offer special conditions to its users. These partnerships can take the form of doubled cashback, exclusive access to private sales, early product access, or preferential financing terms. These exclusive partnerships are featured in the app and on the Meliuz website, and are the subject of dedicated communication campaigns to maximize visibility among the user base. To stay informed about the latest exclusive partnerships, users can enable notifications via app.

5. Security at Meliuz

Security is an absolute priority for Meliuz, which manages the personal and financial data of more than 30 million users. The company has implemented a multi-layered security framework compliant with the strictest standards in the Brazilian financial sector and the regulatory requirements of the Central Bank of Brazil and the Data Protection Authority (ANPD).

LGPD Compliance

Meliuz is fully compliant with the Lei Geral de Proteção de Dados (LGPD), Brazil's personal data protection law that came into effect in 2020. The company has appointed a Data Protection Officer (DPO) responsible for overseeing LGPD compliance and responding to user requests regarding their personal data. Meliuz users can exercise their rights of access, rectification, deletion, and portability of their data directly via app, in accordance with LGPD provisions. Meliuz's privacy policy transparently details the types of data collected, processing purposes, and partners with whom data is shared.

Encryption and Data Protection

All communications between users and Meliuz's servers are protected by 256-bit TLS encryption, ensuring the confidentiality of transmitted data. Sensitive data, such as credit card numbers and banking information, is stored in digital vaults compliant with the PCI DSS (Payment Card Industry Data Security Standard). Meliuz uses tokenization to replace credit card data with unique tokens, minimizing risk in the event of a data breach. Databases are encrypted at rest and in transit, with encryption keys managed by a secure Key Management System (KMS).

Multi-Factor Authentication

Meliuz offers and encourages the use of multi-factor authentication (MFA) to secure access to user accounts. Available authentication methods include traditional password combined with a code sent via SMS or email, facial and digital biometrics on compatible devices, authentication via the Meliuz app when logging in on the website, and voice recognition verification for sensitive operations. MFA activation is strongly recommended by Meliuz and is the subject of regular awareness campaigns among users.

Fraud Detection

Meliuz uses advanced fraud detection systems based on artificial intelligence and machine learning. These systems analyze transactions and user behavior in real time to identify suspicious activities, such as login attempts from unusual locations, abnormally high-value transactions, atypical usage patterns, and attempts to exploit cashback promotions. When suspicious activity is detected, the account is temporarily locked and the user is notified via app to verify their identity and confirm or deny the transactions in question.

Regulation and Supervision

As a financial institution operating in Brazil, Meliuz is subject to supervision by the Central Bank of Brazil (BCB) and the Securities Commission (CVM) for its investment-related activities. The company complies with minimum capital, liquidity, and risk management standards imposed by these regulators. Meliuz publishes quarterly and annual financial reports audited by independent audit firms, ensuring transparency of its financial operations toward its users, shareholders, and regulatory authorities.

Bug Bounty Program

Meliuz participates in bug bounty programs that reward computer security researchers for discovering vulnerabilities in its systems. This proactive approach to security allows Meliuz to benefit from the expertise of a global community of cybersecurity professionals, complementing the internal and external security audits regularly conducted by the company. Discovered vulnerabilities are remediated quickly and details are communicated transparently, helping to strengthen users' trust in the security of the Meliuz platform.

Business Continuity and Recovery Plan

Meliuz has established a robust Business Continuity Plan (BCP) and Disaster Recovery Plan (DRP) to ensure the availability of its services under all circumstances. Meliuz's technology infrastructure is hosted on top-tier cloud platforms with geographic data replication, ensuring maximum resilience against hardware failures, natural disasters, or cyberattacks. Recovery Time Objectives (RTO) and Recovery Point Objectives (RPO) are regularly tested and optimized to minimize the impact of potential incidents on users.

6. Meliuz Customer Service

Meliuz's customer service adopts a resolutely digital approach, in line with the company's positioning as a technology neobank. Unlike traditional banks that rely primarily on physical branches and telephone call centers, Meliuz has chosen to concentrate its customer service on efficient and accessible digital channels.

Support via App

The primary contact channel for Meliuz customer service is the mobile app. Users can access support directly via app by navigating to the "Help" or "Fale Conosco" (Contact Us) section of the application. This contact via app channel allows users to open support tickets, track the progress of ongoing requests, consult the history of previous interactions, and access a comprehensive knowledge base covering the most frequently asked questions. The support interface via app is designed to be intuitive and enable quick resolution of the most common problems without human intervention, thanks to an intelligent chatbot capable of understanding and processing a wide variety of queries.

Online Chat

Online chat is accessible via app and from the meliuz.com.br website. This channel allows users to interact in real time with a customer service agent to resolve issues that cannot be handled by the automated chatbot. Online chat agents are trained to handle all situations, from simple questions about how cashback works to complex technical problems requiring in-depth investigation. Average wait time for online chat is generally under five minutes during business hours, representing a significant improvement over the wait times typically experienced at traditional Brazilian bank customer services.

Email and Contact Form

For requests that don't require an immediate response or that require sending supporting documents, Meliuz offers an email contact form accessible via app and on the website. Email responses are generally provided within 24 to 48 business hours. This channel is particularly suited for complex complaints, refund requests requiring manual verification, and questions related to regulatory compliance. Each email receives a ticket number allowing precise tracking and complete traceability of the request.

Social Media

Meliuz maintains an active presence on major social media platforms, including Twitter (X), Instagram, Facebook, and LinkedIn. These platforms serve both as marketing communication channels and as additional contact points for customer service. Meliuz's community management team constantly monitors mentions and direct messages on these platforms and responds to user queries as quickly as possible. Social media is particularly useful for reporting widespread issues affecting multiple users simultaneously.

Help Center and FAQ

Meliuz's help center is a comprehensive online resource covering all platform features and services. Organized into thematic categories (cashback, digital account, credit card, security, etc.), the help center offers detailed articles, step-by-step tutorials, explanatory videos, and troubleshooting guides. The FAQ is regularly updated to integrate new features and address emerging user questions. The help center is accessible directly via app and from the website, and serves as the first line of resolution for the majority of Meliuz user questions.

Reclame Aqui

Meliuz is also present on Reclame Aqui, Brazil's leading consumer-business dispute resolution platform. This presence on Reclame Aqui demonstrates Meliuz's commitment to transparency and customer satisfaction. Meliuz's customer service team actively monitors complaints published on Reclame Aqui and strives to resolve them in the shortest possible timeframes. Meliuz's rating on Reclame Aqui is a public indicator of its customer service quality, and the company continuously works to improve it. Users who are unable to resolve their issue via app can use Reclame Aqui as an alternative channel to escalate their complaint.

Meliuz Community

Meliuz has developed an active online community where users can exchange tips, share experiences, and help each other. This community is moderated by the Meliuz team and is a valuable source of information for new users. The most active community members, often called "Super Meliuzeiros," contribute significantly to peer support and are rewarded with exclusive benefits. The community is accessible via app and from Meliuz's online forum.

7. Customer Reviews of Meliuz

Analyzing customer reviews of Meliuz reveals a nuanced portrait of the user experience, with widely recognized strengths and areas for improvement regularly mentioned by consumers. Reviews are collected from multiple sources, including app stores (Google Play and App Store), Reclame Aqui, social media, and personal finance forums.

Strengths According to Users

The majority of positive reviews about Meliuz highlight the ease of use of the platform and mobile app. Users particularly appreciate the intuitive interface that makes cashback activation simple and quick, even for people unfamiliar with technology. The diversity of partner merchants is also regularly cited as a major strength, with users noting they can get cashback on a vast range of purchases from electronics to fashion to groceries and travel.

The free nature of all Meliuz basic services is another element frequently mentioned in positive reviews. Users appreciate being able to benefit from cashback, the digital account, and the credit card without paying subscription or maintenance fees. The transparency of the cashback process is also praised, with clear and detailed tracking of each transaction accessible via app at any time.

The browser extension receives near-unanimous praise for its convenience and reliability. Many users report significant savings thanks to automatic cashback notifications that they would have otherwise missed. Some users report having saved several hundred, even thousands of reais over a year through regular use of Meliuz for their online and in-store purchases.

Criticisms and Areas for Improvement

The most frequent criticisms concern cashback validation delays. Some users feel that the time required for cashback to move from "pending" to "available" status is too long, potentially reaching 60 to 90 days for certain merchants. Meliuz explains that these delays are dictated by partner merchants' return policies and are not directly under its control, but this explanation doesn't always satisfy impatient users.

Some users report cases of uncredited cashback despite a purchase made correctly through the platform. These situations are generally related to technical issues (blocked cookies, private browsing mode, disabled extension) or violations of the partner merchant's terms of use. Meliuz offers a claims process via app to handle these cases, but some users lament the heaviness of this process and resolution delays.

Customer service quality is a topic that divides opinions. While many users praise the responsiveness and competence of support accessible via app, others regret the absence of a dedicated customer service phone number and feel that the automated chatbot isn't always able to understand and resolve complex problems. Meliuz continuously works on improving its chatbot and training its support agents to address these criticisms.

Ratings and Reviews

On the Google Play Store, the Meliuz app maintains an average rating of approximately 4.2 out of 5 stars, based on hundreds of thousands of reviews. On the Apple App Store, the rating is similar, ranging between 4.0 and 4.5 depending on the period. On Reclame Aqui, Meliuz generally displays a positive rating with a complaint resolution rate above 80%, earning it a favorable classification on the platform. These ratings are overall higher than those of traditional Brazilian banks and comparable to those of the country's main neobanks, confirming general user satisfaction with Meliuz's services.

User Testimonials

Numerous users share enthusiastic testimonials about their experience with Meliuz. A user from São Paulo testifies: "I've been using Meliuz for three years and I've already recovered over 2,000 BRL in cashback. The browser extension is indispensable — it automatically reminds me to activate cashback on every purchase." A user from Rio de Janeiro adds: "The Meliuz credit card with no annual fees is a real game-changer. I get cashback on absolutely all my purchases, and tracking via app is impeccable." A student from Belo Horizonte reports: "As a student on a tight budget, Meliuz helps me save on everything — books, clothes, food. Every real counts, and Meliuz cashback makes a real difference at the end of the month."

Evolution of Customer Satisfaction

Analysis of customer reviews of Meliuz over time reveals a generally positive trend. The company has addressed recurring criticisms by regularly improving its features and customer service. The introduction of the digital account and credit card was particularly well received, with users appreciating the ability to centralize their financial activities and cashback savings in a single application. Meliuz continues to invest in improving the user experience and actively solicits feedback from its community to guide future developments — suggestions can be submitted directly via app.

8. Comparing Meliuz with PicPay, Ame Digital, and Inter

The Brazilian fintech and neobank market is one of the most dynamic in the world, with several major players competing to attract and retain consumers. To evaluate Meliuz's positioning in this competitive landscape, it's relevant to compare it with three of its main competitors: PicPay, Ame Digital, and Banco Inter.

Meliuz vs PicPay

PicPay is one of the most popular payment apps in Brazil, with more than 30 million active users. Unlike Meliuz, whose core business is cashback, PicPay initially positioned itself as an e-wallet for person-to-person payments before diversifying into cashback, investments, and credit.

In terms of cashback, Meliuz generally offers higher rates and a more diversified partner network than PicPay. Meliuz's expertise in cashback, developed since 2011, translates into more advantageous commercial agreements with merchants and more reliable cashback attribution technology. PicPay, on the other hand, excels in person-to-person payments and QR code payments, areas where Meliuz is less present.

Regarding banking services, both platforms offer free digital accounts with PIX access. PicPay, however, offers a broader range of investment and credit products, notably through its partnership with Banco Original. Meliuz compensates for this difference with its partnership with Banco BV and its specialization in cashback, which remains its primary competitive advantage.

In terms of customer service, both platforms favor digital channels. At Meliuz, support is primarily via app, while PicPay also offers phone support for certain situations. Meliuz's all-digital approach is appreciated by tech-savvy users but may be a barrier for more traditional consumers.

Meliuz vs Ame Digital

Ame Digital is a cashback and payment platform created by the B2W group (now Americanas S.A.), one of Brazil's largest e-commerce conglomerates. Ame Digital benefits from native integration with the group's retailers, including Americanas, Submarino, and Shoptime, giving it a significant advantage in terms of cashback on purchases made at these stores.

However, Meliuz distinguishes itself from Ame Digital through the breadth and diversity of its partner network. While Ame Digital is primarily focused on the Americanas ecosystem, Meliuz collaborates with thousands of independent merchants covering a multitude of categories. This diversity gives Meliuz a competitive advantage in terms of flexibility and choice for consumers who want cashback on a variety of purchases.

In terms of financial features, Ame Digital experienced significant difficulties following Americanas S.A.'s financial problems in 2023, which affected user confidence and the availability of certain services. Meliuz, as a publicly traded and financially independent company, offers superior stability and transparency. Cashback tracking and account management at Meliuz are done seamlessly via app, with reliability that has improved over the years.

The cashback withdrawal policy also differs between the two platforms. Ame Digital often imposes conditions on using cashback within the Americanas ecosystem, limiting cash withdrawal possibilities. Meliuz, on the other hand, allows free cashback withdrawal via PIX starting from 20 BRL, offering greater flexibility to users.

Meliuz vs Banco Inter

Banco Inter is a 100% digital Brazilian bank that has considerably expanded its services in recent years, including a cashback and marketplace platform called Inter Shop. As a full-fledged bank (not just a fintech), Inter offers a comprehensive range of banking services that Meliuz cannot yet match, including interest-bearing savings accounts, mortgage loans, stock investments, and traditional insurance.

Nevertheless, Meliuz outperforms Banco Inter in the specific area of cashback. Cashback rates offered by Meliuz are generally higher than those of Inter Shop, and Meliuz's partner network is more extensive and diversified. Meliuz's browser extension, absent from Inter, is a major differentiating tool that considerably simplifies cashback activation during online purchases.

In terms of security, Banco Inter, as a regulated bank, offers the FGC (Fundo Garantidor de Créditos) guarantee on deposits up to 250,000 BRL per CPF. Meliuz, as a fintech, doesn't directly benefit from this guarantee, although the company's banking partnerships allow it to offer similar protections on deposit and investment products.

Banco Inter's customer service is often criticized for high wait times and difficulty resolving complex problems. Meliuz, while not offering telephone contact, provides support via app that is generally judged more reactive and effective for cashback and platform feature-related questions.

Summary Comparison

In summary, Meliuz positions itself as the cashback specialist in the Brazilian fintech ecosystem, offering the most advantageous rates and the most extensive partner network. PicPay excels in P2P payments and e-wallet functionality. Ame Digital is optimal for purchases within the Americanas ecosystem. Banco Inter offers the most comprehensive range of banking services. The choice between these platforms depends on each consumer's priorities: to maximize cashback, Meliuz remains the undisputed reference. For an all-in-one banking solution, Banco Inter is the most suitable choice. PicPay is ideal for those who prioritize person-to-person payments, while Ame Digital suits loyal Americanas customers.

9. Case Studies: How Users Benefit from Meliuz

To illustrate the concrete advantages Meliuz brings to its users, here are three detailed case studies representing varied usage profiles.

Case Study 1: The Silva Family — Optimizing the Family Budget

The Silva family, consisting of two parents and two school-aged children, lives in Campinas in the state of São Paulo. With a monthly family income of 8,000 BRL, budget management is a constant concern. Maria Silva discovered Meliuz in 2020 while researching ways to reduce household expenses, and adopted it as her primary family savings tool.

Maria started by installing the Meliuz browser extension on the family computer and downloading the app on her smartphone. She quickly developed the habit of systematically checking whether cashback was available before every online purchase. The Silva family's expenses that go through Meliuz include online groceries (via partners like Pão de Açúcar and Extra), clothing and school supply purchases (via Magazine Luiza and Americanas), vacation travel bookings (via Booking.com and Decolar), streaming subscriptions (Netflix, Spotify, Disney+), and mobile phone top-ups for all four family members.

During the first year of using Meliuz, the Silva family accumulated 1,850 BRL in cashback, representing approximately 4.2% of their eligible spending. This amount was used to fund a family outing to an amusement park and Christmas gifts. Maria also signed up for the Meliuz credit card, which generates additional cashback of 0.5% on all purchases, adding approximately 350 BRL in annual cashback on card spending.

In the second year, Maria optimized her Meliuz usage by systematically combining discount coupons with cashback and planning major purchases around major promotional periods (Black Friday, Dia do Consumidor). This strategy allowed the family to accumulate 2,600 BRL in cashback, a 40% increase over the first year. Maria regularly uses the app via app to track her pending cashbacks and ensure all refunds are properly credited.

After three years of use, the Silva family has saved a cumulative total of over 7,000 BRL thanks to Meliuz, without changing their consumption habits or increasing their spending. These savings represent practically one month of family income and have been reinvested in a savings fund for the children's education. Maria now actively recommends Meliuz to friends and colleagues, having referred more than 15 people through the platform's referral program.

Case Study 2: Lucas Ferreira — Digital Entrepreneur and Power User

Lucas Ferreira, 28, is a digital entrepreneur based in Florianópolis who runs a digital marketing agency. As a professional who makes numerous online purchases for his business and personal life, Lucas quickly identified Meliuz's potential to optimize his professional and personal expenses. He has been intensively using Meliuz since 2019 and considers himself a "power user" of the platform.

Lucas's professional purchases that go through Meliuz include SaaS tool subscriptions (web hosting, marketing tools, design software), computer hardware and peripherals purchases, business travel bookings, and online advertising when cashback offers are available. On the personal side, Lucas uses Meliuz for fashion purchases, restaurant outings (via partners like iFood and Rappi), streaming subscriptions, and gift purchases.

By combining his professional and personal expenses, Lucas generates an average of 5,200 BRL in cashback per year via Meliuz. This amount is considerably higher than the average user, thanks to the high value of his professional purchases and his methodical use of the platform. Lucas has developed a sophisticated strategy that involves identifying periods of enhanced cashback, planning his purchases accordingly, and stacking discount coupons with Meliuz cashback to maximize his savings.

Lucas has also adopted the Meliuz Bitcoin feature, automatically converting 30% of his cashback to Bitcoin since the service launched. This passive investment strategy has allowed him to accumulate a significant Bitcoin portfolio without additional investment. He tracks his crypto portfolio and cashbacks directly via app, giving him a clear overview of all his Meliuz benefits.

As an active Meliuz ambassador, Lucas has referred more than 50 people through the referral program, generating additional bonuses of approximately 800 BRL over the period. He regularly shares his Meliuz usage tips on his professional social media, contributing to the platform's awareness among the Brazilian digital entrepreneur community. For Lucas, Meliuz has become an indispensable financial management tool that naturally integrates into his professional and personal daily life.

Case Study 3: Ana Rodrigues — Student and First Banking Experience

Ana Rodrigues, 21, is an economics student at the Federal University of Rio Grande do Sul (UFRGS) in Porto Alegre. With a limited monthly budget of 1,500 BRL composed of a scholarship and a part-time job, Ana was looking for a free and advantageous banking solution to manage her finances and maximize every real spent. Meliuz became her first complete banking experience and her primary financial management tool.

Ana opened her Meliuz digital account in 2022, attracted by the total absence of fees and the possibility of receiving cashback on her daily purchases. She uses her Meliuz account as her primary account to receive her scholarship via PIX, pay her bills and boletos (rent, electricity, internet), and make transfers to her roommates for shared expenses. The Meliuz credit card, obtained with no annual fees, has become her preferred payment method for all purchases, generating automatic cashback even on small everyday expenses.

Over a complete academic year, Ana accumulated 480 BRL in cashback via Meliuz, primarily on her book and school supply purchases, streaming subscriptions, food delivery orders, clothing purchases, and occasional trips to visit her family. This amount, while modest in absolute terms, represents approximately 2.7% of her total budget and is equivalent to nearly two weeks of groceries. Ana manages all her finances and cashbacks via app, finding the interface intuitive enough for a non-tech-specialized user.

The educational aspect of Meliuz has also been beneficial for Ana. By using the platform, she has developed better awareness of her consumption habits and learned to compare prices and plan her purchases more thoughtfully. The expense tracking feature in the Meliuz app helps her stay within her monthly budget and identify spending categories where she can achieve additional savings. Ana actively recommends Meliuz to her classmates, believing the platform is particularly well-suited for Brazilian students looking to optimally manage their limited budgets.

10. Meliuz Expansion and Outlook

Meliuz is at a pivotal moment in its development, with expansion ambitions that could redefine the fintech landscape in Latin America. The company's growth strategy is built around several complementary axes aimed at consolidating its position as Brazil's cashback leader while exploring new markets and new service categories.

International Expansion

The acquisition of Picodi, an international coupon and cashback platform present in more than 40 countries, has paved the way for Meliuz's international expansion. This acquisition provides Meliuz with technological infrastructure and a network of commercial partners in key markets in Europe, Asia, and Latin America. Meliuz's international expansion strategy primarily targets Latin American markets, particularly Mexico, Colombia, and Argentina, where e-commerce is growing rapidly and the cashback concept is still underdeveloped compared to Brazil.

Expansion into Spanish-speaking Latin American markets represents a considerable opportunity for Meliuz, given the cultural and economic similarities with the Brazilian market. The company adapts its model to the specificities of each local market, establishing partnerships with the most popular merchants in each country and integrating local payment systems. The Meliuz brand benefits from growing recognition in the region thanks to its reputation for reliability and innovation built in Brazil.

Artificial Intelligence and Personalization

Meliuz is investing heavily in artificial intelligence technologies to improve the personalization of the user experience. Machine learning algorithms developed by Meliuz's engineering team analyze each user's purchasing behavior to propose ultra-targeted cashback offers, predict future purchasing needs, and optimize notification timing. This data-driven approach allows Meliuz to increase conversion rates and user satisfaction while maximizing the value generated for partner merchants.

The integration of generative AI into the Meliuz user experience is also under development. Future AI-based services could include an intelligent shopping assistant capable of recommending the best products based on the user's profile and preferences, an automated financial advisor that optimizes cashback usage and Meliuz financial services, and an even more capable customer service chatbot accessible via app to resolve problems autonomously.

Open Finance and Banking Integration

The progressive rollout of Open Finance (Open Banking) in Brazil, orchestrated by the Central Bank, creates new opportunities for Meliuz. Open Finance allows users to share their financial data between different institutions, paving the way for even more personalized cashback and credit offers. Meliuz can potentially analyze users' spending habits at other financial institutions to propose relevant cashback offers on purchases that would otherwise have been made outside the platform.

Integration with Open Finance would also allow Meliuz to offer account aggregators, giving users a consolidated view of all their financial assets and cashbacks in a single interface accessible via app. This holistic view of personal finances would strengthen Meliuz's positioning as a central financial platform in its users' lives, increasing retention and time spent on the application.

Cashback for Businesses (B2B)

Meliuz is also exploring the development of a cashback offering for businesses. This B2B service would allow companies to offer Meliuz cashback to their employees as a benefit, merchants to use the Meliuz platform as a customer loyalty and acquisition tool, and suppliers to offer automatic rebates as cashback on professional purchases. The B2B market represents a significant revenue opportunity for Meliuz and would diversify its customer base beyond individual consumers.

Sustainability and Social Impact

Meliuz is progressively integrating environmental and social considerations into its strategy. The company is exploring the possibility of offering enhanced "green cashback" on purchases of ecological and sustainable products, thus encouraging consumers to make more responsible choices. Solidarity cashback programs allowing users to donate a portion of their refunds to charitable associations are also under development. These initiatives aim to strengthen Meliuz's image as a responsible company and attract an increasingly environmentally and socially conscious clientele.

Strategic Partnership with Banco BV

The strategic partnership with Banco Votorantim (BV) is a central pillar of Meliuz's growth strategy. This partnership allows Meliuz to access BV's robust banking infrastructure to offer an expanded range of financial products while maintaining its brand identity and cashback expertise. Synergies between Meliuz and BV result in the joint development of new credit products combining BV's banking advantages and Meliuz's cashback, the use of BV's risk analysis expertise to improve Meliuz's credit scoring models, and access to BV's physical distribution network to promote Meliuz's services to a broader clientele.

Business Model Evolution

Meliuz's business model is progressively evolving from a model based solely on affiliate commissions to a more diversified model including revenue from financial services (interest on loans, transaction fees on investments), data monetization (anonymized insights for partner merchants), targeted advertising (sponsored recommendations in the app), and potential premium services (advanced features for power users). This diversification of revenue sources is essential to ensure Meliuz's long-term profitability and reduce its dependence on the volatile e-commerce market.

Financial Outlook and Stock Market

Listed on the B3 under the ticker CASH3, Meliuz is closely monitored by Brazilian and international financial analysts. The company's financial outlook is closely tied to the evolution of e-commerce in Brazil, the penetration of digital financial services in the population, and Meliuz's ability to effectively monetize its base of more than 30 million users. Analysts highlight Meliuz's significant growth potential, particularly through the BV partnership and international expansion opportunities, while noting the challenges related to profitability and growing competition in the Brazilian fintech sector.

Long-Term Vision

Meliuz's long-term vision is to become the "super app" for cashback and financial services in Latin America — a single platform where consumers can manage their entire financial life while being rewarded for every expense. This ambitious vision requires disciplined execution, continued investment in technology and talent, and the ability to adapt to the rapid changes in the fintech market. If Meliuz succeeds in realizing this vision, the company could become one of the most influential players in the Latin American financial sector in the next decade. Current and future Meliuz users can follow the evolution of these developments and access all new features directly via app.

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Customer support and contact channels for Meliuz

When searching for Meliuz's contact details, the fastest way is usually to visit their official website or check the mobile app. Whether the request concerns account access, card management, transfers, fees, security settings or a complaint, the support team can guide you through the process.

Many users search for terms such as phone number, customer service, direct contact, advisor number, card opposition, transfer delay, mobile app support or account security. This page centralizes the key expressions associated with Meliuz.

Contact information

Services offered by Meliuz

• Current account
• Bank card
• Transfer
• Direct debit
• Savings
• Credit
• Insurance
• Customer service
• Mobile app
• Budget management
• Notifications
• Technical support

How to contact Meliuz by phone

Tips for contacting Meliuz

Security and data protection at Meliuz

The security of your personal and financial data is a top priority for Meliuz.

Enhanced authentication: Meliuz uses two-factor authentication (2FA).

Data encryption: All communications are encrypted with SSL/TLS 256-bit.

Regulatory compliance: Meliuz complies with applicable regulations.

24/7 monitoring: Fraud detection systems operate continuously.

Why choose Meliuz?

• ✓ Intuitive and comprehensive mobile app
• ✓ Quick 100% online account opening
• ✓ Transparent and competitive fees
• ✓ Responsive and professional customer service
• ✓ Real-time notifications
• ✓ Enhanced security with biometric authentication