Tesouro Reserva Operates 24 Hours a Day and Emerges as an Alternative to 'Savings Boxes' in Digital Banks; Investments Can Be Made Starting from R$ 1 and Returns Outperform Other Options Like Savings Accounts

Tesouro Reserva Operates 24 Hours a Day and Emerges as an Alternative to ‘Savings Boxes’ in Digital Banks; Investments Can Be Made Starting from R$ 1 and Returns Outperform Other Options Like Savings Accounts

Written by Noel Budeguer

Published on 04/02/2026 at 20:08

Updated on 04/02/2026 at 20:10

Uma pessoa reagiu a isso.

This Is Another Investment Opportunity for People with Limited Resources, Who Can Start with Lower Amounts and Grow Later

The National Treasury announced the launch of a new public bond aimed specifically at expanding the population’s access to fixed income investments. Named Treasury Reserva, the bond will be offered to the general public starting in March and will be indexed to the basic interest rate of the economy, the Selic. This initiative is part of a broader strategy to modernize the Treasury Direct and attract new investors, especially those who have not yet participated in the financial market.

This news was presented on January 30 by the Secretary of the National Treasury, Rogério Ceron, during an event held at the B3 headquarters in São Paulo. According to him, Treasury Reserva will be launched alongside the new Treasury Direct platform, which will operate continuously, 24 hours a day, seven days a week. The aim is to remove access barriers and allow workers who cannot operate during business hours to invest more easily.

According to Ceron, the new bond was designed to primarily cater to the more popular layers of the population, offering simplicity, liquidity, and security. One of the main differentiators of Treasury Reserva is the ability to invest with extremely low amounts.

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How to Invest in Treasury Reserva

Now, investors can invest starting from R$ 1, although the face value of the bonds is R$ 10. The proposal is to encourage the habit of saving and investing even among those with lower financial capacity.

According to a report published by InfoMoney, Treasury Reserva will have a maturity of three years but will allow redemptions at any time, without discounts. Unlike other public bonds, it will not be marked to market, meaning the investor will not be subject to price fluctuations over time. In practice, this ensures predictability and eliminates the risk of losses in case of early withdrawal, a common concern among beginner investors.

“The investor will be able to redeem whenever they want, at any hour of the day or night, without the risk of price variation of the bond,” explained Ceron. According to him, it is a floating rate, linked to the Selic, but with a structure designed for those seeking yield with low risk. The combination of immediate liquidity, stability, and reduced minimum investment places Treasury Reserva as a direct alternative to savings accounts, traditionally used by a large portion of Brazilians.

Over 3 Million Active Investors

Currently, Treasury Direct has just over 3 million active investors. With the launch of the new bond, the government’s expectation is to significantly increase this number, diversifying the profile of participants and strengthening financial education in the country. For the Secretary of the Treasury, offering clear and accessible investment options is also a way to promote citizenship and financial autonomy.

Later, Ceron also warned about the risks associated with more complex or poorly understood investments. In a scenario of instability and recent issues involving higher-risk assets, he highlighted the importance for investors to make conscious choices aligned with their profiles and objectives. “Those who want security with yield need to have adequate instruments for that. And those who wish to take more risks should do so in an informed manner,” he stated.

Before the official launch, Treasury Reserva is already being tested by a select group of clients from Banco do Brasil. The pilot phase serves for operational adjustments and validation of the new digital platform’s functionality. Starting in March, however, the bond will be available to all registered investors in Treasury Direct, consolidating another step in democratizing access to public investments in Brazil.

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Tesouro Reserva Operates 24 Hours a Day and Emerges as an Alternative to ‘Savings Boxes’ in Digital Banks; Investments Can Be Made Starting from R$ 1 and Returns Outperform Other Options Like Savings Accounts

This Is Another Investment Opportunity for People with Limited Resources, Who Can Start with Lower Amounts and Grow Later

How to Invest in Treasury Reserva

Over 3 Million Active Investors

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Tesouro Reserva Operates 24 Hours a Day and Emerges as an Alternative to ‘Savings Boxes’ in Digital Banks; Investments Can Be Made Starting from R$ 1 and Returns Outperform Other Options Like Savings Accounts

This Is Another Investment Opportunity for People with Limited Resources, Who Can Start with Lower Amounts and Grow Later

How to Invest in Treasury Reserva

Over 3 Million Active Investors

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