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How Much Does R$ 10 Thousand Yield at Nubank? Compare with Savings and See Which Is Better. The question of how much R$ 10 thousand yields at Nubank is common among beginner investors. When comparing with savings, it becomes clear that the digital account offers more attractive returns.
The question “how much does R$ 10 thousand yield at Nubank” has gained traction amid the rise in interest rates in Brazil and the growth of digital banks. Nubank remunerates its customers at 100% of the CDI, an index tied to the Selic rate, which gives it an advantage over traditional savings.
According to official data, the Selic ended 2024 at 12.25% per year, raising the CDI to the same level. This scenario allows Nubank’s account yield to significantly surpass that of savings, which currently offers only about 8.06% per year, including the Reference Rate (TR).
How Much Does R$ 10 Thousand Yield at Nubank?
The calculation of how much R$ 10 thousand yields at Nubank is straightforward: the invested amounts start to accrue interest automatically after 30 days, with daily remuneration at 100% of the CDI.
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With the CDI at 12.25% per year, an investment of R$ 10 thousand generates approximately R$ 96.01 per month in gross earnings. After a 20% Income Tax deduction on short-term gains, the investor will be left with R$ 74.01 in net monthly earnings.
The positive aspect is that the yield is automatic and retroactive, with no need for separate investments or fixed terms, which ensures daily liquidity and convenience.
How Much Does R$ 10 Thousand Yield in Savings?
In the case of savings, the answer to how much R$ 10 thousand yields shows much more modest returns. The calculation follows the rule of 0.50% per month plus the TR, which currently keeps the monthly yield around R$ 56.31 for the same invested amount.
This means that over the course of a year, those who choose savings will accumulate just over R$ 675, compared to approximately R$ 885 at Nubank. The difference may seem small month to month, but it grows significantly over the long term.
Is It Worth Investing in Nubank Instead of Savings?
Given the comparison of how much R$ 10 thousand earns at Nubank and in savings, the digital bank presents higher profitability. Additionally, daily liquidity and automatic yield make the platform a practical alternative for those who want to avoid complications.
However, it is important to highlight that there are even more profitable options in the market, such as digital wallets that pay over 100% of the CDI. Platforms like PicPay, for example, offer 102% of the CDI, which can increase the return.
In other words, Nubank is better than savings, but it is not necessarily the most profitable option among interest-bearing accounts.
Direct Comparison: Nubank vs. Savings
- Nubank (100% of CDI): R$ 74.01 net per month for every R$ 10 thousand invested.
- Savings (0.50% per month + TR): R$ 56.31 per month for the same amount.
- Difference: about 31% more yield at Nubank.
This difference grows over the long term and can represent hundreds of reais in additional earnings in just one year. For those seeking safety and returns above savings, Nubank proves to be a more advantageous choice.
Knowing how much R$ 10 thousand earns at Nubank is essential for those seeking safe and simple investment alternatives. Although savings remains popular, the comparison shows that the digital bank offers higher returns with the same ease of access.
And you, do you prefer to keep money in Nubank, still bet on savings, or consider other more profitable options in the market? Share your opinion in the comments — we want to know how you manage your investments in daily life.
Prefiro o nubank
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Seria interessante montar uma tabela comparativa com algumas opções de investimento para iniciantes.