Which bank yields the most with CDI in 2024?

If you still keep your money idle in savings accounts, know that there is a much more profitable alternative: digital banks that offer automatic returns linked to the CDI. The difference is so significant that R$ 1,000 in traditional savings would earn R$ 129.29 in two years, while the same amount in CDI would generate R$ 204.12. This extra profit margin can make all the difference over time.

Why is a Bank that Renders More CDI Better than Savings?

Savings accounts offer a fixed yield of 7.41% per year plus the Referential Rate (currently zero), totaling approximately 7.41% annually. A account that offers 100% of the CDI yields 10.40% per year – a difference of nearly 3% that accumulates over the months. But what makes these accounts even more attractive is that the CDI is calculated daily, while the current savings account updates its yield only monthly, on deposit anniversaries.

The CDI (Interbank Deposit Certificate) functions as a reference rate in the Brazilian financial market, reflecting the average interest rate on loans that banks make among themselves. When a product yields 100% of the CDI or above, you are receiving a much more dynamic and up-to-date return than any traditional application.

The Main Digital Banks that Renders More

Neon: The Account that Grows Over Time

At Neon, the yield starts at 100% of the CDI and increases progressively each semester, reaching up to 113% of the CDI after two years. The longer you keep the money in the account, the lower the rate deducted, turning loyalty into additional gains.

Mercado Pago: Tiered Yield

On the Mercado Pago platform, any deposited money yields at least 100% of the CDI. However, if you are a subscriber of the Meli+ (loyalty program) and move R$ 1,000 or more monthly, you can increase your yield to 105% of the CDI across the entire reserve.

99Pay: Higher Yield for Small Balances

The 99 digital wallet offers up to 110% of the CDI for balances up to R$ 5,000. Above that, the yield drops to about 80% of the CDI, but still offers extra benefits like cashback on rides and mobile top-ups.

Nubank: Simplicity with Good Yield

Nubank invests your money in Federal Public Securities with a yield of 100% of the CDI. The advantage is that the yield occurs on all business days after the 31st day, not just monthly like in savings accounts. The “Caixinhas” feature allows you to organize your savings by goals.

Neon vs. Banco PAN: Different Strategies

At Banco PAN, balances from R$ 30 automatically yield every day. The first 30 days yield 10% of the CDI, then you receive 100% of the CDI. In Neon, the gain is progressive and reaches up to 113%, offering a better long-term savings strategy.

PicPay: Organized with Good Yield

Founded in 2012, PicPay offers a yield of 102% of the CDI with the possibility of creating “Piggy Banks” – customized categories to organize your savings. Your balance yields every business day.

Iti: The Itaú Option

Iti offers 100% of the CDI for money in the “My Goals” feature from the first business day, without needing to wait 30 days like in other platforms.

PagBank: Simple Yielding Account

PagBank, the platform of PagSeguro, offers the Yielding Account with automatic yield of 100% of the CDI after 30 days of deposit. It’s a straightforward, no-fuss option.

Practical Comparison: Which Bank that Renders More CDI to Choose?

If you prioritize maximum yield and can leave your money for the long term, Neon with up to 113% of the CDI is the best choice. For those seeking practicality with good yield, Nubank, Iti, and PagBank offer solid 100% of the CDI. Those looking for flexibility with tiered yields find interesting alternatives in Mercado Pago and 99Pay. PAN is ideal for those starting with small amounts from R$ 30.

Better Understanding of CDI and Its Advantages

The CDI is updated daily and reflects faster movements in market interest rates. Therefore, in periods of high Selic, applications that yield 100% or more of the CDI significantly outperform savings accounts. The formula for savings is rigid (70% of the Selic + zero TR), while the CDI follows the market in real time.

When you see a bank that yields more CDI offering 105%, 110%, or even 113%, it means they are paying above the basic reference rate, multiplying your gains.

Conclusion: 2024 is the Year of Digital Banks

In 2024, leaving money in traditional savings accounts is practically wasting earning opportunities. Digital banks that offer automatic returns linked to the CDI provide much more attractive returns, with the added advantage of daily updates and, in many cases, extra features like cashback, goal organization, and categorization of savings.

Choosing the best bank that yields more CDI depends on your goals: for maximum yield, choose those offering above 100% of the CDI; for simplicity, opt for those guaranteeing 100% from the start; for progressive growth, prefer platforms with tiered yields. In any scenario, you will come out ahead compared to the 7.41% annual savings rate. In an environment of high interest rates like the current one, these digital banks emerge as the smartest strategy to maximize your savings.