One of the main factors to popularize digital banks in Brazil is the profitability of money in the financial market. With the emergence of fintechs, the action of earning money has become even more accessible, since before, the option most used by Brazilians was the savings account. This resource is still widely used, but it is outdated compared to digital accounts. Given this, check below some private companies that work with financial income.
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PicPay
Through its official platform, PicPay confirms that its profitability is 105% of the CDI for those who have up to R$ 100 thousand deposited in the account. That is, it is above the CDI rate at the moment, at 11.65% per year. In addition, offering 5% more, PicPay has an annual gross return of 12.23%. Thus, per month, saving money in this digital account guarantees an income of 1.01%. When saving BRL 1,000.00 in PicPay, for example, the amount will result in a gross return of BRL 122.30 after 12 months.
Nubank
Its return is equivalent to 100% of the CDI, that is, 11.65% per year and 0.97% per month. Therefore, when saving BRL 1,000.00, Nubank guarantees a gross income of BRL 116.50 after one year. It is possible to highlight other institutions that work with the same system, such as Caixa Econômica Federal, C6 Bank, PagBank, Mercado Pago, iti and Digio.
99 Pay
The digital account of 99, a company well known for delivery and private transport via app, offers 220% of the CDI. There is an income tax rate that deducts income from all digital accounts, including Caixa Tem. Thus, if someone leaves the money deposited for up to six months, the discount will be equivalent to 22.5% on the income acquired. However, when leaving the amount contained in the account for more than one year, the discount will be 17.5%.
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