Which bank yields the most CDI? Discover the 8 best digital accounts of 2024

Why Choose Investments Linked to the CDI

Leaving funds idle in a checking account is a decision that leads to regret. Savings, although traditional, offers limited returns: only 7.41% per year plus the Referential Rate. Fortunately, the digital banking industry has evolved significantly, providing the Brazilian public with much more profitable alternatives.

The key differentiator is the CDI (Interbank Deposit Certificate), a benchmark rate closely tracking the Selic rate and updated daily. An account that yields 100% of the CDI provides an annual return of approximately 10.40%, significantly surpassing savings. This difference becomes even more pronounced when the account offers returns above 100% of the CDI.

The Most Profitable Digital Banks: Comparative Analysis

To identify which bank yields the most cdi in 2024, we analyzed eight institutions with different digital account proposals:

Neon leads with 113% of the CDI - starting at 100% and gradually increasing each semester until reaching a peak of 113% after two years of participation. The longer the investment period, the lower the discount rate.

99Pay offers up to 110% of the CDI - balances up to R$ 5,000 receive the maximum rate every day of the week, including weekends. Above this threshold, profitability alternates between 80% and 110% of the CDI. The platform also adds cashback on rides and recharges.

Mercado Pago provides up to 105% of the CDI - users who subscribe to Meli+ and maintain a minimum balance of R$ 1,000 monthly enjoy this benefit, while simple accounts earn at least 100% of the CDI.

Nubank offers 100% of the CDI - funds are automatically invested in Federal Public Securities, with daily yields starting from the 31st day. It differs from savings by earning on all business days, not just deposit anniversaries.

PicPay guarantees up to 102% of the CDI - R$ 1,000 invested for 24 months generate R$ 204.12, compared to R$ 129.29 in savings. The “Piggy Banks” system allows organizing personalized goals.

PagBank (Conta Rendeira) provides 100% of the CDI - automatic yield for balances idle for over 30 days, with no operational complexity.

Iti (Itaú) offers 100% of the CDI - the “My Goals” feature allows resource separation and yields from the first business day.

Banco PAN offers up to 100% of the CDI - balances starting at R$ 30 automatically earn, with 10% of the CDI in the first 30 days and 100% thereafter.

Understanding the CDI as the Bank That Yields the Most

The CDI reflects the average interest rate of short-term interbank loans. Unlike savings, which follows a fixed formula (70% of the Selic + TR), the CDI updates daily. This means that products linked to the CDI receive more frequent adjustments, maximizing gains during periods of rising interest rates.

For example, when a product offers 105% of the CDI, it yields 5% above the reference rate, significantly amplifying profits compared to the 7.41% annual savings rate.

Choosing the Best Option

The decision on which bank yields the most cdi depends on individual profiles and needs. Neon and 99Pay lead in gross percentage. Mercado Pago benefits Meli+ subscribers. Nubank offers simplicity and consistency.

Complementary features also matter: cashback, goal organization, withdrawal flexibility. In a rising interest rate scenario, maximizing returns on savings is not a luxury but a necessity. These digital accounts become essential tools for those seeking real and superior profitability compared to savings, combining security, liquidity, and substantial gains.