Which digital account makes the most money?
Read our article and find out which digital account yields the most money and start saving today!
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Have you ever imagined leaving your money in an account and watching it grow gradually without having to invest? It's now possible!
In fact, this return is obviously low and the best option is to invest your money in investment funds.
However, if you're not ready to start doing this yet, emphasis on "yet," you can opt for a digital income account.
In today's post, we'll explore the highest-yielding digital accounts, so be sure to check it out to find out where to store your money. See our index below:
- What are income accounts;
- Which digital account makes more money;
- Nubank;
- PicPay;
- Mercado Pago;
- PagBank;
- Original Bank;
- Conclusion.
What are income accounts?
Yield-bearing accounts are a popular term used to refer to accounts where your balance yields interest, meaning the amount you leave unused in your account increases according to the CDI rate.
Although it doesn't have a considerable return, this option is still better than savings.
Recently, the Selic rate increased and worsened the yield on savings accounts, because its yield was lower than inflation.
Therefore, leaving your money in a digital account with a return based on the CDI rate is a more advantageous alternative.
After all, what is CDI?
CDI stands for Interbank Deposit Certificate, which is the name given to loans that banks make to each other.
As determined by the Central Bank, banks must close the day with a positive balance. However, this isn't always possible, and the volume of cash outflows outpaces the inflows.
Therefore, banks carry out these operations among themselves so that everyone can close the day with a positive balance, as determined by the Central Bank.
One of the characteristics of these loans is that they have a 24-hour repayment period, and they also carry an interest rate, in this case, the CDI.
This rate varies daily and is calculated daily by B3. Therefore, the CDI rate is determined based on transactions between banks.
The CDI rate is published daily on the website CETIP, So, if you want to know how much your money is earning in your account, access this institution's portal.
In short, this is what the CDI means, now we will find out which digital account makes more money.
Which digital account makes the most money?
Each bank has its own rate of return, the answer to this question will depend on this percentage, but also on other criteria, for example, daily liquidity.
Therefore, we have separated some of the accounts with different variations to make it easier for you to compare and make a better decision. which digital account makes more money.
So, let's go!
1. Nubank
Your Nubank digital account balance yields 100% of the CDI. Liquidity is daily, and there's no maintenance fee.
Nubank's funds are invested in fixed-income government securities, but the money is available for you to withdraw whenever you want.
Furthermore, there's no minimum amount required to start earning. There's also the Planned Withdrawal option, which allows you to plan the withdrawal date. This option is more profitable, as it yields 110% of the CDI.
2. PicPay
Your money saved in your PicPay digital account without investments can yield up to 110% of the CDI. However, this percentage isn't fixed; it always fluctuates, either upward or downward.
The maximum it has reached is 210% and the minimum is 110%. Liquidity is daily, and you can keep up to R$$250,000 earning interest in your account.
The amounts are invested in federal government bonds, which are considered safe fixed-income investments.
This is very advantageous, as PicPay does not offer coverage from the Credit Guarantee Fund.
3. Mercado Pago
Mercado Pago automatically pays customers R$100.00 of the CDI. Liquidity is daily, but you'll see a significant difference for amounts greater than R$100.00.
Mercado Livre's checking account has no maintenance fees and many free services.
Furthermore, with Mercado Crédito, the fintech provides credit to its loyal customers even if they have a negative credit history.
Another way to see your money grow on Mercado Pago is by investing in cryptocurrencies. However, this is a volatile investment model.
In other words, it's variable; you can see your balance increase or multiply. Other than that, you need to purchase cryptocurrencies to begin investing.
You can take advantage of a moment when it is on the rise, that is, worth more than you invested, and sell it.
Investing in cryptocurrencies on Mercado Pago is quite simple, making it ideal for beginners. However, it's important to research the market to see if it's the best option. Mercado Pago charges a 2% fee on cryptocurrency purchases and sales.
4. PagBank PagSeguro
PagBank is a pioneer in this field; it was the first digital account to offer this type of income.
In this digital account, your money earns up to 10% more than in savings, the current rate is 100% of the CDI, but it only applies to the balance that you leave in the account for more than 30 days.
5. Original Bank
Banco Original also pays R$100.00 of the CDI, but requires a minimum investment of R$100.00. Liquidity is also 30 days.
If you move the money before this deadline, the return will only be 10% of the CDI.
Other than that, for the money to start earning, you need to activate this option in the app.
In the end, which digital account yields the most? Check out more options below to search and compare:
- Digio – 100% of the CDI;
- Bitz – 100% of the CDI;
- Iti – 100% of the CDI;
- Neon – 95 to 101% of the CDI.
Which digital account yields the most?Conclusion
Considering the CDI rate, PicPay is the best option. However, this can fluctuate frequently, either upwards or downwards.
However, when the percentage decreases, you still have the option to transfer it to another account that is earning more.
The ideal is to choose one that has a high percentage, daily liquidity, and does not require a minimum investment, thus making it more advantageous.
But remember, the ideal is to invest your money in an investment fund, it will certainly be more beneficial.
There are places where you can start investing with little, for example, Next, Inter and Pan.
Finally, now that you know which digital account makes more money, you might like to find out which digital account does not need to send documents.
