Which Digital Bank Yields the Most in 2024? Discover the Best Options

Many Brazilians wonder which bank yields the most when it comes to investing their resources. The answer goes beyond a single name: in 2024, several digital banks compete by offering returns well above the 7.41% annual savings rate. The key is in accounts with profitability linked to the CDI, a much more dynamic and advantageous index.

Why Do Digital Banks Yield More Than Savings?

The difference is significant. While savings operate with a fixed formula (70% of the Selic plus the Reference Rate), generating approximately 7.41% per year, digital accounts based on CDI offer yields of 100% to 113% of the CDI annually. An account with 100% of the CDI generates about 10.40% per year – nearly 3 percentage points above.

Another important difference: the CDI is updated every business day, while savings yield only monthly, on the deposit anniversary date. This means continuous profitability versus one-time remuneration.

Digital Banks with the Highest Returns

Among the main institutions that allow maximizing earnings, the following stand out:

Neon - Up to 113% of the CDI: The bank that yields the most among those listed starts at 100% of the CDI and gradually increases the rate every semester, reaching 113% after two years of permanence. The longer the resource remains invested, the lower the discount rate.

99Pay - Up to 110% of the CDI: For balances up to R$ 5,000, it offers 110% of the CDI. The platform profits every day of the week, including weekends, in addition to offering cashback on rides and recharges.

Mercado Pago - Up to 105% of the CDI: With a basic account earning 100% of the CDI, Meli+ subscribers who deposit R$ 1,000 monthly reach 105% profitability.

PicPay - Up to 102% of the CDI: Offers a “Piggy Banks” feature to organize savings by categories. Simulations show that R$ 1,000 in 24 months generate R$ 204.12 versus R$ 129.29 in savings.

Nubank - 100% of the CDI: One of the largest digital banks, invests in Federal Public Securities with daily yields after 31 days.

PagBank - 100% of the CDI: Offers the Rendeira Account with automatic yield after 30 days of deposit.

Iti (Itaú) - 100% of the CDI: The “My Goals” tool guarantees 100% of the CDI from the first business day, with the possibility to organize finances by objectives.

Banco PAN - 100% of the CDI: Starts at 10% of the CDI for the first 30 days and then moves to 100% after this period, with a minimum balance of R$ 30.

Understanding the CDI: The Foundation of Everything

The Interbank Deposit Certificate (CDI) represents the average interest rate of short-term loans between banks. It functions as a reference index for various products: CDBs, LCIs, investment funds, and now digital accounts.

The daily update of the CDI allows investments linked to it to better follow the variation of the Selic rate, offering more competitive returns in high-interest-rate scenarios.

Which Bank to Choose?

The answer to “which bank yields the most” depends on your profile. If you seek maximum profitability with patience to keep resources invested, Neon (113%) leads. For those who need flexibility with additional cashback, 99Pay is interesting. Accounts with 100% of the CDI, like Nubank and Iti, offer stability.

Regardless of the choice, all options significantly outperform traditional savings in profitability, flexibility, and additional features. In a context of high interest rates, strategically directing savings to digital accounts with CDI-linked returns becomes essential to maximize gains.