Digital banking apps that offer automatic income on your balance
Digital banking apps that offer automatic income on your balance are gaining prominence in the new financial logic of Brazilians.
ADVERTISING
Instead of letting your money sit idle and without purpose, it can now earn daily income, directly into your account — and with immediate liquidity.
This article reveals how these apps work, which ones stand out in 2025, how to compare rates, and what to look for before trusting them with your balance.
We also analyze why this solution has become the standard for digital accounts — and what still needs to be improved.
Summary:
- The new mindset about idle money
- How automatic income works
- Comparison between digital banks in 2025
- Security, liquidity and real profitability
- Criteria for choosing the best app
- Frequently Asked Questions
Has the traditional checking account become obsolete?
For decades, keeping money in a checking account was synonymous with security. But today, this translates into a loss of value.
advertising
With Brazilian inflation at around 4.8% per year (IPCA data, June/2025), the real is rapidly losing purchasing power.
Leaving R$5,000 sitting idle in your account for a year is equivalent to losing almost R$240 in purchasing power. It's like storing fresh fruit in the heat: it doesn't last.
Digital banking apps that offer automatic income on your balance emerge as the modern answer to this problem: they protect money from devaluation and still make it grow — without effort, bureaucracy or compromising liquidity.
Read too: Mobile trivia games to liven up any group of friends
What is Automatic Income and Why Does it Matter?
Automatic income is the function in which the money available in the digital account earns interest every business day, generally indexed to the CDI (Interbank Deposit Certificate).
This index tracks the Selic rate and currently (July 2025) is 10.65% per year. In other words, if the app pays 100% of the CDI, your balance yields the equivalent of this rate.
The magic is in the format: no need to invest, schedule, or purchase products. The account's free balance automatically becomes a daily mini-investment. Withdrawals are instant, and liquidity is total.
+ Apps that create automatic summaries of long videos in seconds
The apps that stand out in 2025
Fintechs and digital banks are competing for the top spot by offering increasingly intuitive experiences. See the comparison below with the main players:
| Digital Bank | Profitability (% of CDI) | Automatic Income | FGC | Observations |
|---|---|---|---|---|
| Nubank | 100% | Yes | Yes | Starts yielding after 1 business day |
| PicPay | 102% | Yes | Yes | Includes cashback balance |
| PagBank | 105% (12 months) | Yes | Yes | Ideal for emergency reserve |
| Inter | 100% (with activation) | Yes | Yes | Requires activation of the paid account |
| Will Bank | 100% | Yes | Yes | Simple and straightforward, no fees |
| C6 Bank | 100% (with activation) | Yes | Yes | Activation via app, with optional portability |
The source of the data is the official portal of each digital bank, consulted in July 2025.
Transparency and security: the two fundamental pillars
All banks mentioned offer FGC coverage, the Credit Guarantee Fund. This means that, in the event of the institution's bankruptcy, the amount is protected up to R$250,000 per CPF.
Additionally, many show the income directly on the statement or on the main screen.
This visibility increases confidence and encourages the habit of monitoring daily earnings—as Nubank does, for example, with simple graphical reports.
For the user, the feeling is one of autonomy and control, something that large banks rarely offer.
Practical example in everyday life
Consider Carla, a 30-year-old data analyst. By migrating her salary account to PagBank, she accumulated a reserve of R$10,000.
During the first 12 months, the balance yielded 105% of the CDI — which resulted in almost R$ 1,120 for the year.
She didn't invest anything. She just left the money there, sitting there. But now, sitting there doesn't mean useless anymore.
+ Digital Accounts: What They Are, How They Work and Their Advantages
The app is a garden, not a safe.
The best analogy to explain this model is simple: using a digital bank with automatic income is like planting vegetables instead of storing them in the refrigerator.
In the vault, they spoil or stagnate. In the garden, even if you don't water every day, the fertile soil does the trick. You harvest gradually, effortlessly—and the cycle continues.
This financial mindset is the foundation of the new digital generation.
Criteria for choosing the best app for you
The highest gross profitability isn't always the best choice. Consider:
- Real liquidity: some apps require activation or a waiting period (like Inter);
- Income transparency: PicPay highlights how much you earned by balance type (including cashback);
- Zero bureaucracy: Will Bank and Nubank come out ahead by skipping steps;
- Other services offered: C6 Bank delivers a robust package with toll tag and points program.
Keep in mind that nominal performance needs to be evaluated alongside overall user experience, customer support, transaction limits, and app functionality.
The risk of false investment sentiment
Although advantageous, automatic income does not replace More structured investments, such as Treasury Direct or CDBs with maturity dates. It's a good entry point, but not the final destination.
A return of 100% of the CDI, for example, is equivalent to approximately 0.86% per month in July 2025. It is still possible to find CDBs that pay 115% or more of the CDI — but with a grace period.
That's why it's ideal to keep part of your savings in a digital account and the rest in investments with higher returns.
The digitization of passive income
According to PwC Brazil's Open Banking Report, 711,000 Brazilians with internet access will already be using some type of digital financial service in 2025.
This data reveals a solid transition: passive income, previously a privilege of those with time or knowledge, now fits into the pocket and daily life of anyone with a smartphone.
Rafael is a freelance designer and receives payments via PicPay. By keeping R$ 3,500 in his account, he earned R$ 375 in revenue after one year—enough to pay for part of his laptop upgrade.
For him, this isn't extra profit. It's strategy.
What about taxes?
Automatic income is subject to regressive taxation IR, which directly affects the income, just like a traditional CDB.
The rate varies depending on the time the balance remains in the account, starting at 22.5% and reaching 15%.
Apps usually calculate taxes automatically, without requiring any user action.
A strategic choice, not just a functional one
Digital banking apps that offer automatic income on your balance they ceased to be a “convenience” and became a criterion for rational choice.
By combining liquidity, daily income, security and practicality, these accounts have begun to occupy a space that was previously exclusive to term investments.
You no longer have to choose between "letting it sit idle" or "working with it." Now, it can earn interest even while you pay bills, shop, or transfer funds.
Frequently Asked Questions (FAQ)
1. Does automatic income replace other investments?
No. It's an efficient way to avoid losing idle money, but it still yields less than CDBs with maturity, funds, or stocks.
2. Can I withdraw my money at any time?
Yes. All of the digital banks mentioned offer immediate liquidity. The balance can be used or transferred at any time.
3. Does the income appear on the statement?
Yes. On apps like Nubank and PicPay, you can view your earnings daily. On Inter and C6 Bank, this requires manually activating the interest-bearing account.
4. Do I need to activate the function?
It depends on the bank. Nubank, Will Bank, and PicPay activate automatically. Inter and C6 require you to enable it in the app.
5. Is the income guaranteed?
It is guaranteed by the bank's policy and backed by the FGC, up to R$250,000 per CPF. However, the rate may vary depending on the institution.
