Banks That Yield the Most in 2024: Which Is Truly the Best for Your Savings?

Leaving idle funds in checking accounts or even traditional savings accounts is a thing of the past. In 2024, several digital financial institutions guarantee returns significantly higher than the meager 7.41% per year offered by savings accounts. Discover which banks yield more and why this difference matters so much for your wealth.

Why Do Digital Banks Yield More Than Conventional Savings?

The secret lies in the CDI (Interbank Deposit Certificate). While savings accounts follow a fixed formula – 70% of the Selic rate plus the Referential Rate – digital products linked to the current CDI update their yields daily. This means consistent gains and, even better, many banks that yield more offer 100% of the CDI or even above that.

The practical difference is impressive: R$ 1,000 invested in a digital account that yields 102% of the CDI generates approximately R$ 204 in one year, while the same amount in a savings account yields only R$ 129. That’s not insignificant.

The 8 Main Banks That Yield More in 2024

Nubank: Automatic Yield on Government Bonds

The country’s largest digital bank offers a yield of 100% of the CDI on its payment account. The differential? The money is invested in Federal Government Bonds, and the returns are credited every business day starting from the 31st day – not just monthly like in savings accounts.

Neon: Progressive Growth Up to 113% of the CDI

Here, the yield starts at 100% and increases every semester until reaching 113% of the CDI after two years. The longer you keep the balance, the lower the discount rate. It’s a clear incentive for those planning to save long-term.

PicPay: Piggy Banks with 102% of the CDI

Since 2012 in the market, PicPay allows organizing savings into customized categories – the “Piggy Banks” – with a daily yield of 102% of the CDI. The simulation on the website proves it: in 24 months, R$ 1,000 becomes R$ 1,204 versus R$ 1,129 in savings.

PagBank: Simplicity and 100% of the CDI

PagSeguro’s financial platform offers the Conta Rendeira, which automatically generates 100% of the CDI on balances accumulated for more than 30 days. No complications.

Mercado Pago: Up to 105% of the CDI for Premium Subscribers

In the individual account, the minimum yield is 100% of the CDI. But those who subscribe to the Meli+ (Mercado Livre loyalty program) and maintain R$ 1,000 or more monthly can get 105% of the CDI – a valuable increase for those already using the ecosystem.

99Pay: Up to 110% of the CDI with Cashback

The digital wallet of the 99 app offers up to 110% of the CDI for balances up to R$ 5,000. Above that, it combines 80% + 110% of the CDI. Unlike others, it yields every day, including weekends, and also offers cashback on rides and recharges.

Iti: Goal-Setting Tool with 100% of the CDI

Itaú’s digital bank provides the “My Goals” feature, which yields 100% of the CDI from the first business day. Ideal for those who like to organize financial objectives.

Banco PAN: Starts Quickly with Just R$ 30

Any balance above R$ 30 yields automatically from the first day. In the first 30 days, the yield is 10% of the CDI; after that, it rises to 100% of the CDI. No maximum limit.

The Real Impact: Earnings Simulation

Consider R$ 5,000 invested for 12 months:

• Savings: R$ 5,370 (yield of 7.41%)
• 100% of the CDI (10.40%): R$ 5,520
• 105% of the CDI: R$ 5,577
• 113% of the CDI: R$ 5,651

The difference between savings and the best option reaches R$ 281. Multiplied over several months and larger volumes, the advantage becomes exponential.

CDI vs. Savings: Understand the Mechanics

The CDI represents the average interest rate for short-term interbank loans and is recalculated daily. Financial products like CDBs, LCIs, and digital accounts use the CDI as a base. Savings accounts, on the other hand, have a fixed yield calculated only once a month, on the deposit anniversary. When a bank offers above 100% of the CDI, it means multiplying that rate by a larger factor, further increasing the return.

Which to Choose? Practical Tips

For maximum profitability: Neon (113% of the CDI) or 99Pay (110% of the CDI), depending on whether you prefer simple organization or extra features like cashback.

For ease: Nubank or Iti, which offer 100% of the CDI with intuitive interfaces.

For beginners: Banco PAN, with a minimum limit of just R$ 30.

For Mercado Livre users: Mercado Pago with premium subscription guarantees 105% of the CDI.

Conclusion

In 2024, ignoring banks that yield more is wasting money. The difference between 7.41% from savings and 100-113% of the CDI is substantial and proven. Besides higher returns, many of these banks that yield more offer features like category organization, cashback, and no administrative fees. The current high-interest rate environment makes these digital accounts not just an interesting option but a smart strategy to grow your capital. Choose the one that best fits your financial habits and start profiting today.