Discover the Best Digital Account That Yields the Most: A Realistic Alternative to Savings in 2024

Are you tired of seeing your money turn into crumbs in the savings account? Brazil has discovered a solution, and it is gaining strength among investors who seek to make each real work better. Digital banks have revolutionized the way we store money, offering accounts with automatic yields that leave savings accounts behind.

Why Your Traditional Account Is No Longer Enough

The reality is simple: leaving money idle anywhere is essentially losing purchasing power. The savings account, historically the refuge of Brazilians, yields only 7.41% per year (plus the zeroed-out Reference Rate). It’s a practically negligible return when compared to what the financial market currently offers.

The good news? There is a much more profitable alternative, and it involves a digital account that yields more through the CDI mechanism.

The Secret Behind the CDI: Why Does It Yield So Much

To understand why a higher-yielding digital account works so well, we need to talk about the CDI (Interbank Deposit Certificate). It’s not a complicated concept: it’s simply the average interest rate banks charge each other for short-term operations. This rate moves in sync with the Selic, reflecting the market reality much more agilely than savings accounts.

While savings follows a rigid formula (70% of the Selic + Reference Rate), the CDI is recalculated daily. An account that yields 100% of the CDI is effectively capturing an annual rate of 10.40% in the current scenario, almost 40% higher than savings. And some banks? Offer above 100%, further boosting your gains.

The 8 Best Destinations for Your Money to Grow

Nubank: The Pioneer in Automatic Yield Segment

We start with the largest digital bank in the country. Nubank transformed its payment account into a silent investment instrument. The differential is in the frequency: while savings yields once a month (on the deposit anniversary), Nubank credits yields every business day after 30 days of deposit. The money is invested in Federal Public Securities, offering 100% of the CDI.

Neon: The Digital Account That Yields the Most in Progression

Here we have an intelligent loyalty model. The yield is not fixed: it starts at 100% of the CDI and systematically increases every semester, reaching 113% after two years of permanence. The longer you stay, the less deduction applies to your yields. It’s a clear incentive to keep your money invested.

PicPay: Financial Organization with Profitability

Since 2012 in the market, PicPay offers more than yield: it offers organization. The platform allows you to set up “Piggy Banks” to categorize your savings. With 102% of the CDI on all business days, R$ 1,000 invested for 24 months generates R$ 204.12 – versus only R$ 129.29 in savings. That’s a concrete difference of 58% more.

Pagbank: Simplicity and Consistency

PagSeguro’s financial platform offers the Rendeira Account with a straightforward proposal: 100% of the CDI automatically for inactive balances over 30 days. No complications, no hidden conditions.

Mercado Pago: Tiered Yield Based on Loyalty

At Mercado Pago, any individual account yields 100% of the CDI. But there’s an upgrade: Meli+ (Mercado Livre’s loyalty program) subscribers who maintain a monthly balance of R$ 1,000+ receive 105% of the CDI. Small, but significant over time.

99Pay: The Unexpected Yield of Mobility

Perhaps the most creative proposal: a mobility app that offers a digital account that yields more. Balances up to R$ 5,000 yield up to 110% of the CDI, operating 7 days a week (while most only operate on business days). Additionally, there’s cashback on rides and recharges, generating double returns.

Iti (Itaú): Traditional Bank Enters the Competition

Itaú responded with Iti, offering 100% of the CDI from the first business day within the “My Goals” feature – similar to “Piggy Banks.” The tool segments your savings by goal, making management easier.

Banco PAN: The Democratic Access

With just R$ 30 as the minimum balance, PAN offers automatic yield from the start. It yields 10% of the CDI in the first 30 days, then 100% of the CDI indefinitely. Without a maximum limit, it’s the most accessible entry point.

The Comparison That Really Matters

The difference between a higher-yielding digital account and savings isn’t just about numbers. It’s about capitalization frequency (daily versus monthly), flexibility (to withdraw without penalties), and extra benefits (cashback, financial organization, ecosystem integration).

The conceptual table is clear: CDI at 100%+ outperforms savings in 30-55% annual return. Applied to R$ 10,000, this difference already represents R$ 300-550 more per year in your pockets.

The Selic Factor: Why Timing Is Critical

In 2024, with the Selic rate reflecting inflationary pressures, the CDI remains high. This means choosing a higher-yielding digital account now is especially advantageous. In low-interest scenarios, the difference narrows; but currently, the opportunity is real.

Beyond Yield: Features That Add Value

Many overlook that digital banks offer more than automatic yield. There are:

• Goal organizers (PicPay, Iti)
• Cashback programs (99Pay)
• Integration with purchase ecosystems (Mercado Pago)
• Simplified international transfers (Nubank, Neon)

Final Decision: Which One to Choose?

The answer depends on your profile:

• Want maximum absolute return? Neon (up to 113% CDI)
• Want pure simplicity? Pagbank or Banco PAN
• Want integrated financial organization? PicPay or Iti
• Want secondary returns (cashback)? 99Pay
• Want institutional recognition? Nubank or Itaú (Iti)

Conclusion: The Natural Evolution of Brazilian Investment

The days of settling for 7.41% annually are gone. A higher-yielding digital account is no longer a luxury or niche; it has become the rational choice for those who want to maximize their returns without taking speculative risks.

In 2024, digital accounts with CDI yields represent the bridge between security (no capital risk) and profitability (returns 40-55% higher than savings). Considering most of these platforms are free and offer intuitive interfaces, the real question is no longer “why switch?” but “why wait?”.

For those looking to make every cent work intelligently, these digital accounts emerge not as alternatives, but as the natural evolution of personal savings management. The Brazilian digital market has solidified this transformation in 2024.