The 8 Best Digital Accounts to Multiply Your Money in 2024

Forget that miserable savings account yield. In 2024, the digital banks that yield the most are offering something quite different: automatic accounts with earnings linked to the CDI, a rate that varies daily and provides returns well above the traditional 7.41% annually. The good news? This trend has paved the way for eight major players in the Brazilian digital market to deliver simple investment solutions, without bureaucracy, and with returns up to 113% above the CDI.

Why digital bank accounts beat savings accounts

Savings accounts operate with a fixed formula: 70% of the Selic rate plus the Referencial Rate (which remains zero). Additionally, the money only generates returns once a month, on the deposit anniversary. Meanwhile, a digital account offering 100% of the CDI generates approximately 10.40% per year – not counting options that go beyond, yielding 105%, 110%, or even 113% of the index.

The secret? The CDI (Interbank Deposit Certificate) is recalculated every business day, reflecting the average interest rate practiced among financial institutions. This means that your digital banks that yield the most update earnings constantly, unlike savings accounts.

The 8 best digital banks with the highest yields

Nubank: Simplicity and 100% of the CDI

The giant among the digital banks that yield the most in Brazil offers a payment account (not a checking account, not a savings account) where money is automatically invested in Federal Public Securities. The advantage? Earnings on all business days after the thirty-first day of deposit, not just on the anniversary.

Neon: Growth progression up to 113%

Here, the yield starts at 100% of the CDI and increases every semester until reaching 113%. The longer your money stays there, the lower the fees deducted and the higher your returns. Maximum profitability is achieved with two years of permanence.

PicPay: Organization with 102% of the CDI

Founded in 2012, this digital bank allows creating “Piggy Banks” to separate savings by category. The yield is 102% of the CDI every business day. A simulation: R$ 1,000 invested for 24 months generates R$ 204.12 versus only R$ 129.29 in savings.

Pagbank: Rendeira Account with 100% of the CDI

Offered by the PagSeguro platform, the Rendeira Account automatically yields 100% of the CDI on balances held for more than 30 days. No complications, no additional requirements.

Mercado Pago: 100% to 105% depending on your profile

Any individual can make their money grow here at 100% of the CDI. But Mercado Livre’s (Loyalty Program) subscribers who keep R$ 1,000 or more monthly receive 105% of the CDI on their balance and reserves.

99Pay: Up to 110% with integrated cashback

The mobility app 99 offers balances of up to R$ 5,000 earning 110% of the CDI. Above that, it combines 80% + 110% of the CDI. Differentiator: profits seven days a week, including weekends, and offers cashback on rides and mobile top-ups.

Iti: 100% of the CDI from the first business day

Itaú’s digital account provides automatic earnings through the “My Goals” feature, where you organize finances by objectives. Earnings start immediately on the first business day.

Banco PAN: Flexibility with a minimum of R$ 30

Starting from just R$ 30, the balance earns automatically every day. The first 30 days yield 10% of the CDI, then 100% of the CDI. No maximum deposit limit.

Understand once and for all: CDI versus savings account

The CDI is recalculated daily based on short-term interbank loans. It serves as a reference for CDBs, LCIs, investment funds, and these digital accounts. Savings accounts, on the other hand, have a fixed monthly yield.

When you see “113% of the CDI,” it means the bank is offering 13% above the index – especially attractive during periods of high Selic, like the current one.

The numbers reality in 2024

Comparing an investment of R$ 1,000 over a year:

• Savings: ~R$ 74 in earnings (7.41% per year)
• CDI 100%: ~R$ 104 in earnings (10.40% per year)
• CDI 110%: ~R$ 114 in earnings
• CDI 113%: ~R$ 117 in earnings

In 12 months, the difference may seem small, but over longer horizons – especially with recurring deposits – the digital banks that yield the most accumulate significantly higher gains.

Why choose a digital bank instead of savings

Besides gross profitability, these platforms offer:

• Features for organizing (goals, piggy banks, categories)
• Cashback on specific transactions
• 24/7 access without queues or bureaucracy
• Daily earnings updates
• Total transparency in calculations

Conclusion: The time to rethink your savings

In 2024, leaving money in savings accounts is to overlook real growth opportunities. The digital banks that yield the most emerge as practical, safe, and significantly more profitable alternatives. Choosing between Nubank, Neon, PicPay, Pagbank, Mercado Pago, 99Pay, Iti, or Banco PAN depends on your priorities – whether for higher gross returns, organizational features, or additional benefits like cashback.

The fact is: in a scenario of high interest rates, optimizing where your money is parked has become an essential strategy. Moving to one of these digital banks that yield the most could mean hundreds or even thousands of reais more per year.