Which Bank Yields More in CDI? Complete Comparison of 8 Digital Institutions in 2024

Leaving resources idle in savings accounts is a decision that deserves reconsideration in 2024. With mediocre yields and monthly updates, this traditional modality is losing ground to more dynamic alternatives offered by digital banks. The question many Brazilians ask themselves is: which bank yields more CDI and is truly worth it?

CDI vs Savings: Understanding the Difference

To answer which bank yields more CDI, it is essential to understand how this index works. The CDI (Interbank Deposit Certificate) updates daily, reflecting the average rate of loans between financial institutions. Savings, on the other hand, follows a fixed formula: 70% of the Selic rate plus the Referential Rate (currently zero), with updates only on the deposit anniversary.

Numerically, while savings generate approximately 7.41% per year, a digital account with 100% of the CDI yield produces about 10.40% annually. This difference may seem small, but at larger amounts, the impact is significant. A practical example: R$ 1,000 invested for 24 months at CDI yields R$ 204.12 versus only R$ 129.29 in savings.

The 8 Biggest Names in the Market: Which Offers the Best CDI?

Nubank: Leadership with 100% of CDI

Nubank revolutionized the market by offering a payment account that automatically invests resources in Federal Public Securities. Unlike savings, which yield once a month, here the yield occurs every business day after the 31st day of deposit, at a rate of 100% of CDI. For those seeking simplicity and security, this is a solid option.

Neon: Progression up to 113% of CDI

Neon innovates with a progressive system. It starts at 100% of CDI and gradually increases to 113% after two years of permanence. The longer the investment period, the lower the deducted rate. This structure encourages discipline and rewards loyal customers.

PicPay: Flexibility and Categorization at 102% of CDI

Since 2012 in the market, PicPay offers a differential: the “Piggy Banks” feature that allows organizing savings by customized categories. Resources yield 102% of CDI every business day, without complications.

PagBank: Rendimento Conta with 100% of CDI

PagSeguro’s financial services platform introduces the “Rendimento Conta,” which guarantees automatic yield of 100% of CDI on balances held for at least 30 days, with a simple and transparent structure.

Mercado Pago: Graduation of Yield up to 105% of CDI

In Mercado Pago’s account, all amounts yield at least 100% of CDI. For Meli+ (loyalty program) subscribers who move R$ 1,000 or more monthly, the yield increases to 105% of CDI. This type values more active users.

99Pay: Premium with up to 110% of CDI

99Pay stands out with a differentiated yield: up to 110% of CDI for balances up to R$ 5,000. Above that, it combines 80% + 110% of CDI. It operates 24/7, including weekends, and offers cashback on rides and recharges, adding extra benefits.

Itaú’s Iti: Automation from Day One with 100% of CDI

Iti’s digital account offers automatic yield of 100% of CDI from the first business day through the “My Goals” feature. Similar to other banks’ “Piggy Banks,” it allows organizing financial goals in an orderly manner.

Banco PAN: Starting Small with up to 100% of CDI

PAN offers an inclusive proposal: with a minimum balance of just R$ 30, it begins to yield 10% of CDI in the first 30 days, progressing to 100% of CDI after this period. Without a maximum balance limit, it is accessible to different investor profiles.

Comparative Analysis: Which Bank Yields More CDI for Your Profile?

What Makes CDI a Superior Choice?

For those looking to maximize returns, understanding which bank yields more cdi goes beyond raw numbers. CDI reflects a real market dynamic, adjusting according to economic conditions. In scenarios of high Selic rates, like the current one, products linked to CDI capture this advantage instantly, while savings remain static until the next month.

Additionally, many of these digital accounts offer extra functionalities: financial organization via categories, cashback on transactions, simplified mobile access, and 24-hour customer service. It’s not just about yield but about a complete banking experience.

Conclusion: Invest Better in 2024

The answer to which bank yields more cdi depends on your personal priorities. If you seek maximum yield, Neon and 99Pay lead with 113% and 110% of CDI respectively. If you prefer security and tradition, Nubank and Iti offer solidity. If financial inclusion is your focus, Banco PAN opens doors with a low minimum balance.

What matters is recognizing that leaving money in savings in 2024 means giving up tangible gains. The digital banks presented here offer a real alternative, with yields ranging from 100% to 113% of CDI – a difference that translates into additional capital over time. Switching to an account with CDI-based yield is not just a financial decision but a strategic move to protect and grow your savings in an environment of more dynamic interest rates.