Which Digital Account Yields the Most in 2024? Comparison Among the Best Options

Brazilian digital banks have been revolutionizing the way people invest their money. The search for the best return has led many account holders to ask themselves: which account yields the most? The answer lies in accounts linked to the CDI, which significantly outperform traditional savings yields.

Why Does the CDI Outperform Savings?

While savings offers 7.41% per year plus the Referential Rate (currently zero), an account with 100% of the CDI reaches approximately 10.40% per year. The difference may seem small, but over the long term, the impact is considerable. A practical example: R$ 1,000 invested for 24 months would yield R$ 204.12 with CDI versus only R$ 129.29 in savings — a difference of over 57%.

The key difference is in the updating process: while savings is credited only on deposit anniversaries, the CDI is recalculated daily, tracking the Selic rate more dynamically.

The Best Yields Available in 2024

Which Account Offers the Highest Return?

Neon leads with up to 113% of the CDI, starting at 100% and gradually increasing every six months until reaching the maximum in two years. This is currently the highest yield available in the main digital accounts market.

Next, we have 99Pay with up to 110% of the CDI for balances up to R$ 5,000, followed by Mercado Pago with up to 105% of the CDI for Meli+ program subscribers.

Accounts with Intermediate Yields

PicPay offers 102% of the CDI, with the added advantage of “Piggy Banks” — a tool that allows organizing savings by customized categories. Nubank, Pagbank, and Banco PAN remain at 100% of the CDI, but with distinct features.

Iti, from Itaú, also yields 100% of the CDI from the first business day when the money is in “My Goals,” functioning as a financial organization system similar to piggy banks.

Comparative Analysis: Which Account Yields the Most for Your Profile?

Each platform has characteristics that make it more suitable for different needs:

For Maximum Profitability: Neon remains the most profitable choice if you plan to keep the balance for an extended period. The gradual increase from 100% to 113% of the CDI represents a substantial gain on large amounts.

For Urban Mobility: 99Pay stands out by offering 110% of the CDI plus cashback on rides and recharges, making it ideal for frequent app users.

For Mercado Livre Ecosystem Users: Mercado Pago yields 105% of the CDI with monthly deposits above R$ 1,000, making it an excellent option for platform users.

For Goal Organization: Nubank and Iti offer features beyond yield — both allow organizing savings by specific objectives, which is especially valuable for structured financial planning.

How the CDI Works and Its Importance

The Interbank Deposit Certificate (CDI) functions as a reference rate that tracks the average of short-term loans between financial institutions. It is directly linked to the Selic rate and serves as the basis for various financial products like CDBs, LCIs, and investment funds.

The main difference compared to savings is in timing: while savings follows a fixed formula (70% of the Selic plus TR) and is updated monthly, the CDI varies daily. This means that products linked to the CDI, especially those above 100%, better capture market interest rate fluctuations.

Conclusion: Making the Best Choice

In 2024, the question “which account yields the most” does not have a single answer. The best choice depends on your profile: if you seek maximum profitability, Neon stands out. If you frequently use mobility apps, 99Pay offers competitive yields with additional benefits. For those organizing finances by goals, Nubank and Iti are efficient alternatives.

The key point is that all these digital accounts significantly outperform traditional savings. Considering that the CDI offers daily returns and percentages ranging from 100% to 113%, the opportunity to maximize your gains is clear. In a high-interest-rate environment, choosing a digital account suited to your profile is essential to boost your savings and build a more robust wealth.