Which digital bank yields the most in 2024? Discover the banks that offer higher returns beyond savings accounts

If your money is sitting idle earning 7.41% per year in savings, it’s time to rethink this strategy. In 2024, the banks that offer the highest returns provide much more interesting alternatives, with yields linked to the CDI reaching up to 113% — a substantial difference when you let your capital work.

Why leave the savings account?

The answer is simple: while the savings account yields monthly based on a fixed formula (70% of the Selic + Referential Rate), the digital accounts that yield the most offer daily calculation. This means your money works every business day, not just once a month. A practical example: R$ 1,000 invested for 24 months can generate R$ 204.12 in CDI versus only R$ 129.29 in savings.

The banks that yield the most: meet the 8 best options

Nubank leads as one of the largest digital banks, offering 100% of the CDI with daily yield after the 31st day. The difference? Your money is invested in Federal Public Securities, ensuring safety.

Neon stands out among the banks that yield the most with a tiered system: starting at 100% of the CDI and increasing to 113% after two years — the longer you keep the balance, the lower the rate deducted.

PicPay offers up to 102% of the CDI with the “Piggy Banks” feature, allowing you to organize savings by categories. The profitability is applied daily.

PagBank (from PagSeguro) offers the Rendeira Account with automatic yield of 100% of the CDI after 30 days, a practical and straightforward option.

Mercado Pago automatically yields 100% of the CDI for any account. Those with Meli+ (Mercado Livre subscription) and maintaining R$ 1,000+ monthly see the yield increase to 105%.

99Pay is one of the platforms that yield the most for users of mobility apps. Offers up to 110% of the CDI on balances up to R$ 5,000, with additional cashback on rides and recharges.

Iti (from Itaú) puts your digital bank in a competitive position with 100% of the CDI automatically from the first business day, with the “My Goals” tool for financial organization.

Banco PAN offers automatic yield for any balance above R$ 30, with 10% of the CDI in the first 30 days and 100% in the following months.

Comparing real profitability

Leaving R$ 5,000 in savings for a year yields approximately R$ 370. The same amount in a digital bank offering 100% of the CDI (considering CDI at 10.40% p.a.) will yield about R$ 520 — a difference of R$ 150 just in the first year.

With yields between 100% and 113% of the CDI, the banks that yield the most offer exponentially higher gains as you increase the invested capital.

How CDI works and why it makes a difference

The CDI (Interbank Deposit Certificate) is the average rate of loans between banks, used as a reference for CDBs, LCIs, and investment funds. The great advantage is that it reflects the real market dynamics, being updated daily, while the savings account maintains a fixed monthly formula.

When a product offers above 100% of the CDI, it represents higher returns in any scenario of rising Selic.

Conclusion: which to choose?

In 2024, the decision is no longer about savings versus investment — it’s about which digital bank that yields the most best suits your profile. If you seek maximum profitability, Neon and 99Pay lead with up to 113% and 110% of the CDI respectively. If you prefer safety and reliability, Nubank, Iti, and PagBank offer 100% with the trust of major institutions.

The key point is simple: banks that yield the most in 2024 are no longer exceptions — they are the rule. Moving your capital to one of these accounts can potentially double or triple your annual returns compared to traditional savings.