Which digital account makes the most money?

Find out which digital account makes the most money!

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Which digital account yields the most money? This is one of the main questions for those who no longer want to leave money in savings, but don't know where to start.

In fact, if you still use savings as a form of investment, you are actually losing your purchasing power. Even with the increase in the Selic rate, this financial product is still not a good option when it comes to profitability.

The good news is that you can leave your money in digital accounts, which yield more than savings and offer the same benefits.

Want to know what they are? Then keep reading!

1. Picpay digital wallet

The Picpay digital wallet offers a series of features to its customers.

Through it, you can make purchases in physical establishments, online stores and pay your friends.

Despite being a digital wallet, not a bank account, it offers a very advantageous return. Currently, the return on Picpay is 120% of the CDI.

Liquidity is daily and automatic. In other words, you can withdraw your money whenever you want.

In fact, to make your financial routine easier, you can register your Pix key in your Picpay account and, thus, make instant transfers to people who do not have an account in that wallet.

And if you like cashback, There is yet another reason to create your account in this digital wallet!

Picpay, in addition to offering discounts for payments made on the platform, also has partnerships with several companies.

This way, you can get part of your money back when you make a purchase (as long as it's through Picpay) at a partner store!

The disadvantage of Picpay is that there is no FGC (Credit Guarantee Fund) coverage for deposits made in the app.

However, Picpay claims that it takes care of all customers' money, and therefore there is no risk whatsoever.

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2. Nubank

Everyone already knows that the Nubank credit card offers several advantages!

After all, who doesn’t want a credit card that’s free of annual fees and monitored by an app?

But in addition to the card, you can have a digital account at Nubank. This way, you can make your money earn a little bit every day.

Currently, the Nubank account yield is 100% of the CDI (Interbank Deposit Certificate).

This means that, just like with PicPay, money invested in Nubank yields more than savings.

The amount stored in this digital account can be withdrawn whenever you want or used to pay your bill.

Among the main advantages of Nubank, in addition to the account with income, we can mention its practicality and service!

With the launch of the RDB investment option, the Nubank account now has FGC coverage.

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3. Mercado Pago

The Mercado Livre current account automatically pays customers 100% of the CDI.

But that’s not the only advantage of Mercado Pago. After all, when you make payments through the app, you can get a discount on purchases at Mercado Livre.

Additionally, your account can also be used to pay bills and make transfers via PIX.

Like other digital accounts, Mercado Pago does not charge a maintenance fee.

Another positive point is the credit card, which offers several benefits to customers and does not charge an annual fee. Purchases on Mercado Livre can be paid in up to 18 interest-free installments.

As Mercado Pago is not yet a bank, the money invested does not count on the FGC protection.

However, the amount invested in Mercado Pago is outside the company's assets, making the process safer.

4. C6 Bank

The C6 Bank digital account allows customers to make bill payments and transfers through the bank's app.

It is also possible to make free withdrawals at Banco24horas and make free transfers to some banks.

However, the balance applied to the C6 account does not have automatic income.

To make your money grow, you need to invest in one of C6 Bank's financial products, such as CDB, for example.

In fact, one of this bank's unique products is the CDB Credit Card. Here, the amount invested in the CDB yields 102% of the CDI and is covered by the FGC.

The money can be withdrawn whenever you want, as long as it is not being used up on the card limit.

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5. Original Bank

Banco Original's digital account also pays customers 100% of the CDI.

However, to achieve this return, it is necessary to leave the money invested for at least 30 days.

Before this period, your money will yield only 10% of the CDI.

The amount will be invested in a CDB and is covered by the FGC, making it a safe option for obtaining higher returns than savings.

In addition, the bank also offers options that can yield up to 130% of the CDI (a type of post-fixed CDB). However, to obtain this profitability, you must leave your money invested for at least 1080 days.

You can withdraw the money before this deadline. However, in this case, it will not yield 130% of the CDI.

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Which digital account makes the most money?

Considering the profitability rate, the digital account that yields the most is Picpay – 120% of CDI.

However, there is no guarantee that this income will be the same forever.

In fact, the Picpay account has already yielded 250% of the CDI in 2020.

If you are thinking in the medium term, Banco Original's CDB, which yields up to 130% of the CDI, is a good option for your investment strategy.

Conclusion

Now you know what the main digital accounts are and how much each one yields.

However, in addition to profitability, each of them offers certain benefits to their customers, such as discounts at partner stores, credit cards, among others.

For this reason, when choosing a digital bank to create your account, don't just take into account profitability, but other factors that may be advantageous for you!