Which Digital Account Yields the Most in 2024? Complete Comparison of Earnings Above Savings

When it comes to making your money work for you, the most common question is: which digital account yields the most? The answer is not as simple as it seems, as there are several options in the Brazilian market offering returns well above the 7.41% per year guaranteed by traditional savings accounts. To help you make the best decision, we analyzed the main platforms and their actual gains.

Why Abandon Savings in Favor of Digital Accounts?

Savings follow a fixed yield formula: 70% of the Selic rate plus the Reference Rate (which has been zero for some time). Its main problem is that updates only happen once a month, on the deposit anniversary. Meanwhile, digital accounts that yield according to the CDI recalculate their earnings daily, tracking market fluctuations much more agilely.

The practical difference is significant. An account that yields 100% of the CDI generates approximately 10.40% per year – already an advantage of almost 3 percentage points. But which digital account yields more depends on which platform you choose.

Understanding the CDI: The Key to Better Gains

The CDI (Interbank Deposit Certificate) functions as the average interest rate for short-term interbank operations. It moves along with the Selic and serves as an index for various products: CDBs, LCIs, funds – and also for digital accounts.

When an account offers “100% of the CDI,” it means you receive exactly that yield. But when it promises “110% of the CDI” or “113% of the CDI,” you get an additional bonus over the base rate. That’s why the answer to “which digital account yields more” varies depending on the options you compare.

The Highest Yields: A Platform-by-Platform Guide

Nubank (100% of CDI)

Nubank operates differently from most. Your money isn’t kept in a regular checking account – it is automatically invested in Federal Public Securities. The big advantage? The yield occurs every business day after the 31st day, not just once a month like in savings. Simple, practical, and hassle-free.

Neon (up to 113% of CDI)

Neon has an interesting progressive model. You start receiving 100% of the CDI, and every six months, this percentage increases until reaching 113% in the second year. The longer you leave the money there, the lower the rate deducted from the yield. It’s a clear incentive for loyalty.

PicPay (up to 102% of CDI)

Founded in 2012, PicPay stands out for the “Piggy Banks” feature – a creative way to organize your savings by customized categories. The money yields 102% of the CDI on all business days. To clarify: R$ 1,000 invested for 24 months would earn R$ 204.12 with this service versus only R$ 129.29 in savings – a 58% difference.

Pagbank (100% of CDI)

Pagbank, the platform of PagSeguro, offers the Rendeira Account with automatic yield of 100% of the CDI on any balance that remains for more than 30 days. Clear functionality, no tricks.

Mercado Pago (up to 105% of CDI)

At Mercado Pago, all balances earn at least 100% of the CDI – just need to have a personal account. But those who subscribe to Meli+ (Mercado Livre’s loyalty program) and maintain at least R$ 1,000 monthly have their balance earning at 105% of the CDI. An advantage for those already active in the ecosystem.

99Pay (up to 110% of CDI)

The 99 app platform offers a peculiar model: balances up to R$ 5,000 earn up to 110% of the CDI. Above that, the yield varies between 80% and 110% depending on the balance. An important feature: it yields every day of the week, including weekends and outside business hours. Besides earnings, there’s also cashback on rides and recharges.

Iti (up to 100% of CDI)

Iti, from Itaú, offers automatic yield of 100% of the CDI in the “My Goals” feature from the first business day. It’s basically a version of Nubank’s “little boxes,” allowing you to separate money for specific objectives.

Banco PAN (up to 100% of CDI)

At PAN, the profitability is tiered: in the first 30 days, you receive 10% of the CDI, then it switches to 100% of the CDI. The minimum balance is just R$ 30, with no maximum limit. The yield is daily for any amount above this minimum.

Which Digital Account Yields the Most? The Answer Depends on You

Analyzing which digital account yields the most, it’s clear there’s no single answer. Neon and 99Pay are at the top with 113% and 110% of CDI respectively, but each has features that make them ideal for different profiles.

If you want maximum simplicity, Nubank or Iti are enough with their 100% of CDI. If you seek goal organization, PicPay and Iti offer interesting visual tools. If you’re always on the go, 99Pay offers weekend yields and cashback. If you already use Mercado Livre, Mercado Pago with 105% of CDI might be the natural choice.

The Real Impact of Extra Gains

To illustrate the difference: investing R$ 10,000 for a year yields approximately R$ 741 in savings. In the same account offering 100% of CDI, you get R$ 1,040 – a difference of almost R$ 300. With yields above 100% of CDI, this gain increases even more.

In a scenario with a high Selic rate like the current one, these percentages become even more attractive. The choice of which digital account yields more is not just about maximizing returns – it’s also about having flexibility, extra features, and suitability for your daily life.

Conclusion: Better Investing in 2024

The era of leaving money in savings is behind us. Which digital account yields more is the right question to ask, and the answer is: any of them outperforms savings. The important thing is to choose the one that aligns with your habits, the features you value, and, of course, the yield it offers.

Digital accounts not only deliver superior returns – which can lead to substantial gains over time – but also provide practicality, better financial organization, and additional benefits like cashback. In a dynamic financial market, these platforms are becoming promising alternatives for those who truly want their money to grow.