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Find out which digital account earns the most and invest your saved money, because nowadays, Brazilians are discovering more and more the importance of financial education, of saving money and knowing how to invest it.

In addition to the more well-known options such as the stock exchange and savings accounts, digital accounts are also efficient and safe ways to make your money go further. Let's see which ones yield the highest returns.

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Is the return on digital accounts worth it?

Known as one of the traditional and safe ways to make your money go further, savings have gradually shown themselves to be an investment with little potential, and worse, one that ends up causing investors to lose money when they could be using their money on more promising sources.

In 2022, the increase in the Selic rate may have made savings more profitable than usual, but it still lags far behind other types of investment, such as Treasury Direct, Real Estate Loans, the Stock Exchange and one of the most popular today: the CDI.

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With the advent of digital banks, the fixed-income investment they provide is obtained through the CDI (Interbank Certificate of Deposit), which acts as a rate to determine the income from transactions carried out between financial institutions. This rate is paid according to a percentage that is usually described in the digital banks at the time of reserving the money, where deadlines for withdrawal are determined.

The longer the term, the higher the yield percentage, which usually varies between 100 and 120% of yield, and in some cases even reaches more than 200%.

In addition to the convenience of making this investment, banks automatically deduct income tax from the yield. However, each digital bank has its own yield percentage, so you need to research each one to see which yields the highest, as well as considering other factors, such as the safety of your money.

Which banks have digital accounts with good yields?

Having explained how the yields on digital accounts work through the CDI, let's look at the most advantageous options for those who want to get started in the world of investments:

Next Bank

Bradesco's famous digital bank has become one of the favorite options for customers thanks to its benefits and discounts on the purchase of games, cinema, aesthetics, among others. In addition, the Next bank offers the option of investing your money in fixed income, with a yield of up to 100% of the CDI.

PagBank

With one of the most moderate yields among digital banking options, money invested in fixed income can yield up to 140% of the CDI, which is a considerable difference compared to savings.

Picpay

One of the most famous digital wallets in the country, Picpay offers a yield of 105% on the CDI for amounts up to R$100,000.00, with daily and automatic liquidity. If you exceed this amount, the percentage is 100%.

Nubank

One of, if not the most popular digital bank in the country, Nubank yields 100% of the CDI for any amount, and you can increase this percentage with withdrawal options for later months.

Mercado Pago

Widely used by merchants with credit card machines and for secure purchases on Mercado Libre, Mercado Pago also offers income options on your current account, with a value of 100% of the CDI, as well as other options such as payment for referrals of new customers and credit cards with no annual fee.

Original Bank

With options that yield up to 130% of the CDI, Banco Original is covered by the Credit Guarantee Fund.

Credicard

For those who have a Credicard digital account, you will also have 100% of CDI yield, updated daily, with no fees and no minimum investment amount required.

Neon

Another popular digital bank, Neon offers a CDI yield of between 95 and 101%, as long as the amount invested is kept for at least 3 years.

Inter Bank

A pioneer in digital banking, Inter also offers CDI yield options with a percentage of 100%, protected by the Credit Guarantee Fund.

Which digital account earns the most for my money?

As we can see, there are several options for digital accounts with CDI yields, which usually yield 100%, with a few cases exceeding this limit. One of them, which shows the highest yield, is Pagbank with 140%, followed by Banco Original with a yield of up to 130%.

Even so, the average CDI value of 100% is the most guaranteed among digital banks and generates a higher return than savings.

So, if you're a more conservative investor who wants to make a profit without taking huge risks, fixed-income investments are a great choice. If you want to take more risks, there are other options with higher yields and with research, you can make your money work for you.

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