Which Digital Bank Offers the Highest CDI Yield in 2024?

The search for more profitable investments has led thousands of Brazilians to migrate from traditional savings accounts to digital accounts. While savings offer modest 7.41% per year, innovative institutions have been presenting significantly more attractive alternatives, with yields that can reach 113% of the CDI. This transformation in the digital financial market reflects a clear change in Brazilians’ investment habits.

Why Do Digital Accounts Yield More Than Savings?

The fundamental difference lies in how each product calculates its gains. While savings use a fixed formula based on 70% of the Selic rate plus the Referencial Rate (which has been zero for some time), the CDI operates differently.

The Interbank Deposit Certificate is an index that tracks the interest rates banks charge each other, also reflected in products like CDBs and investment funds. Its main advantage: the yield is calculated daily, not monthly like savings. This means your money is constantly generating returns, without waiting for deposit anniversary dates.

An account that yields 100% of the CDI today produces approximately 10.40% per year — already higher than the 7.41% of savings. But there are even better options.

Major Digital Banks and Their Yields

Neon: The Platform with the Greatest Return Potential

Neon presents an interesting progressive model. The yield starts at 100% of the CDI and gradually increases every six months, reaching 113% of the CDI after two years of stay. This bank that yields more cdi offers a real incentive for investors to keep their resources for longer periods.

Mercado Pago: Flexibility with Bonuses

Regular users automatically receive 100% of the CDI. However, those who activate the Meli+ (Mercado Livre loyalty program) and deposit R$ 1,000 or more monthly can get 105% of the CDI. An efficient strategy for those already using the Mercado Livre ecosystem.

99Pay: Tiered Yield

The mobility app offers up to 110% of the CDI for balances up to R$ 5,000, with the added advantage of earning daily, including weekends. Above this amount, the yield drops to 80% of the CDI, but still offers cashback on rides and recharges.

Nubank: Simplicity and Consistency

The country’s largest digital bank offers 100% of the CDI in its payment account, with the peculiarity that the money is invested in Federal Public Securities. The yield occurs on all business days after the 31st day, without additional user actions.

PicPay: Financial Organization with Yield

Founded in 2012, it offers 102% of the CDI with an interesting feature: “Piggy Banks” allow organizing savings into categories. A simulation from the platform itself shows that R$ 1,000 invested for 24 months generates R$ 204.12 versus R$ 129.29 in savings.

Pagbank: Automatic Yielding Account

PagSeguro’s platform provides 100% of the CDI automatically on balances idle for 30 days, with no additional account or prior investment requirements.

Iti (Itaú): Digital Savings Goals

The app offers 100% of the CDI from the first business day, especially through the “My Goals” feature, which works as digital piggy banks to organize financial objectives.

Banco PAN: Progressive Yield

Starts at 10% of the CDI in the first 30 days and evolves to 100% of the CDI in subsequent months, simply by maintaining a minimum balance of R$ 30.

Profitability and Benefits Comparison

Understanding CDI and Its Dynamics

The CDI is much more than a simple number. It represents the average rate of short-term loans between financial institutions, acting as a mirror of the real economy. When the Selic rises, the CDI follows; when it falls, it recedes too. Therefore, in periods of rising interest rates, a bank that yields more cdi offers truly substantial gains.

The relationship between CDI and Selic is so close that many financial products index their returns to the CDI as a way to follow the Central Bank’s monetary policy. This ensures investors receive returns aligned with the current economic scenario.

Smart Strategy for 2024

Choosing where to allocate resources in 2024 requires careful analysis. Digital accounts not only offer higher yields — often 113% of CDI versus 7.41% of savings — but also provide greater flexibility, additional features, and accessibility through apps.

Some investors opt to split their resources among different platforms, taking advantage of each one’s specific benefits. Others prefer to concentrate on a single institution that best aligns with their needs.

The key point is not to leave money idle in traditional savings. In a scenario of high interest rates, the difference between 7.41% and 100% or 113% of the CDI represents real and significant gains over the months.

Conclusion

The revolution of digital banks has transformed the investment landscape for ordinary people. The bank that yields more cdi is not necessarily the best for everyone — it depends on your habits, the amount to invest, and how long you plan to keep the application.

What matters is recognizing that alternatives exist and are accessible. Digital accounts with CDI yields represent a legitimate evolution over traditional savings, offering not only higher returns but also modernity, practicality, and in many cases, additional benefits like cashback or financial management tools.

In 2024, maximizing your savings’ yield necessarily involves exploring the opportunities offered by digital financial institutions. The right choice can mean hundreds or thousands of reais extra at the end of the year.