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You will earn 100% of CDI on your savings account.

CDI stands for ‘Interbank Deposit Certificate’ and is a security sold between banks to regulate their internal finances. Their operation is similar to CDBs (Bank Deposit Certificates), with the only difference being that they are negotiated only between banks and can’t be offered to individuals.

When we say that your savings account yields 100% of the CDI, this means that the investment is operating exactly at Selic minus 0.10 percentage points.

Taxes apply only to the interest earned, not your full balance. The only tax is income tax, and the amount depends on how long you keep the funds in your instant savings account.

This charge is regressive, which means that the longer the money stays invested, the lower will be the fee you will be charged. Below is the number of days invested x income tax deducted from interest earned (%):

• 1-180 (days): 22.5%
• 181-360 (days): 20%
• 361-720 (days): 17.5%
• +721 (days): 15%

• Go to 'Home' on the bottom menu
• Tap 'Accounts'
• Choose your instant savings account
• Below your recent movements, you will have two options:
• ‘Earned all time’: how much you earned since the creation of your account and
• ‘Earned this month’: how much you earned on that specific calendar month