When it comes to making money online safely, one of the best strategies in 2025 is investing in CDBs (Bank Deposit Certificates) with daily liquidity. These fixed-income products are backed by banks and protected by the Credit Guarantee Fund (FGC) up to R$250,000 per CPF and institution. That means you have both profitability and security in one investment.
The best part? Some banks are paying up to 150% of the CDI — a return that can easily surpass many savings accounts, LCIs, and LCAs, while keeping your money available for withdrawal any day.
Let’s dive into the 8 best daily liquidity CDBs in the market right now.
1. CDB Banco Sofisa Direto – 120% CDI
Sofisa Direto remains a favorite for digital investors. It offers daily liquidity CDBs paying 120% of CDI, with no hidden fees. Perfect for beginners.
2. CDB Inter – Up to 125% CDI
Banco Inter has become one of the leading digital banks. Their CDB with daily liquidity reaches 125% CDI, and you can manage it directly from their super app.
3. CDB Nubank – 115% CDI
Nubank’s daily liquidity CDB pays up to 115% CDI. While slightly lower than some competitors, it offers simplicity and instant access for Nubank users.
4. CDB Banco BTG Pactual – 130% CDI
BTG is one of the strongest names in the investment world. Their daily liquidity CDBs pay up to 130% CDI, combining credibility and strong returns.
5. CDB PagBank (PagSeguro) – 150% CDI
One of the hottest offers in the market! PagBank CDBs are paying up to 150% CDI with daily liquidity, making it a top choice for aggressive fixed-income investors.
6. CDB Banco Original – 125% CDI
Banco Original stands out with 125% CDI, instant liquidity, and integration with its digital platform. A good balance of return and usability.
7. CDB C6 Bank – 122% CDI
C6 Bank offers a 122% CDI CDB with daily liquidity. Plus, you get access to C6’s rewards and financial services ecosystem.
8. CDB Banco Modal – 118% CDI
Modal’s daily liquidity CDB pays up to 118% CDI, ideal for investors who already use ModalMais for their stock and fixed-income portfolio.
Why Choose Daily Liquidity CDBs?
- Flexibility: Withdraw your money at any time without penalties.
- High Returns: Better rates than savings accounts or Tesouro Selic.
- Security: Coverage from the FGC up to the guaranteed limits.
- Simplicity: Easy access through digital banks and investment platforms.
Final Thoughts
If you are looking for a profitable and safe way to make money online in 2025, daily liquidity CDBs are a must-have in your portfolio. With returns reaching 150% of CDI, you combine the best of two worlds: high profitability and quick access to your money.
Start small, diversify across banks, and enjoy the security + performance that these CDBs can bring to your financial journey.
CDB daily liquidity, best CDB 2025, invest in CDB, how to make money online with CDB, 150% CDI CDB, best fixed income investments 2025, safe investments in Brazil, best banks for CDB, PagBank CDB 150% CDI, top daily liquidity CDBs