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A very common question among Nubank card users is whether the money saved in Nubank actually yields returns. Let's find out!
Digital accounts where the user's money earns interest are becoming increasingly common. Although they are not the best investment option, they are a good alternative for those who are not interested in taking risks yet.
In fact, this is not bad, before we invest our money in something it is important to study the market and know enough about investment funds.
Until that happens, leaving your money separate and earning interest in an account is a great way to familiarize yourself with the world of investments, as well as withdrawing the money saved with some income.
In today's text we will find out if money saved in Nubank Does it really pay off? Is it a good idea to leave your money saved in this account?
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Read the text and find out! See our index below:
- How does money saved at Nubank work?
- How to save money at Nubank so it starts earning interest?
- What are the advantages of leaving money saved at Nubank?
- Is it safe to have money in this bank?
- After all, does money saved at Nubank yield?
- Conclusion.
How does money saved at Nubank work?
If you follow the news on our blog, you already know what a yield account is; those accounts where you leave your money and it automatically yields interest according to the CDI rate.
You can understand more about the subject by reading our text “Which digital account makes more money?”
However, at Nubank you have a different option. You leave your balance available, yielding up to 100% of the CDI.
However, there is a feature where your money can yield up to 108% of the CDI, the feature is called “Save Money”.
Here you keep your money separate from your balance to use on a daily basis and you can opt for Planned Withdrawal, in which case the money is only available on the set date.
The longer you leave the money, the more it can yield, but it is the fintech that makes the time available, normally there are 4 date options, but nothing too far away, the longest date is in 2023.
You can choose to leave the money in an available balance, that is, to use whenever you want, but if you prefer it to yield more and prevent you from spending it ahead of time, the ideal option is to opt for Planned Withdrawal.
Certainly, it is a way to leave your money saved in Nubank.
How to save money at Nubank so it starts earning interest?
Saving your money and starting to see it grow is very simple. You just need to deposit money into your account.
You can do this via PIX, bank slip, TED or DOC. When your account has available funds, click on the “Save Money” option, then choose an amount and a withdrawal date and complete the transaction.
Even if you don't want to keep your money separate, it will still earn you money, but a little less.
The money that remains in your available balance can be withdrawn whenever you want. Now, if you opted for “Planned Withdrawal”, you can only withdraw the money on the chosen date. In fact, it becomes available in the account automatically after the set date.
What are the advantages of leaving money saved at Nubank?
The first advantage to highlight is the yield, you can leave your money saved and withdraw it with a yield greater than 100% of the CDI.
The second advantage is that the money is kept in a separate place, like a piggy bank. When you opt for Planned Withdrawal, you don't run the risk of using the money inappropriately before the time.
So, if you are a person who is always trying to save money to travel, study, pay off debts or anything else, know that this option is very advantageous and will help you a lot.
This is because you can leave your money saved in Nubank yielding and only taking it in a year, for example, and a slightly larger amount.
Is it safe to leave money in this bank?
Yes. It is safe to leave your money at Nubank!
The money deposited in Nubank is invested in public bonds, low-risk investments, or RDB, investment with FGC.
Furthermore, the money saved in Nubank It is separate from the bank teller, making it even safer.
So, you can rest assured that your money is safe!
After all, does leaving money saved at Nubank pay off?
Yes. Yours money saved in Nubank yields up to 100% of the CDI, with daily and automatic liquidity.
If you want to see it yield a little more, you need to save it and put it in the Planned withdrawal, in this case, depending on the date, it can yield up to 108% of the CDI.
To give you an idea, if you leave R$1,000 saved in Nubank yielding for two years with the CDI rate at 9.15% per year, you will withdraw R$1,157.88, an amount already discounted for Income Tax.
This calculation was performed with the Selic rate at 9.25%, however, the rate increased to 10.75% a few days ago, so your money can yield even more, this is because the CDI rate is always very close to the Selic.
Conclusion
As you can see, at Nubank your money yields automatically without having to invest. In addition, there is also the possibility of seeing it yield more than 100% of the CDI.
For those who don't want to enter the world of investments yet, this can be a good alternative to keep your money earning interest and saved.
So, be sure to get to know it and start leaving your money saved in Nubank. Download the app and open your account.
