We Tested the Most Popular Digital Accounts: Which One Really Delivers?

Most popular digital accounts: In the current financial landscape, digital accounts have emerged as a quiet revolution, transforming the way Brazilians manage their money.

With the promise of zero fees, returns above savings accounts, and unparalleled convenience, these platforms have won over millions of users.

But with so many options available, do they all deliver what they promise?

Find out everything below!

Most popular digital accounts

We tested the digital accounts most popular to discover which of them really deliver value, security and innovation to different consumer profiles.

The rise of digital accounts reflects a profound cultural shift.

In a country where 62% of the population already uses digital financial services, according to research by the magazine Exam, the search for practical and profitable solutions is more than a trend, it is a necessity.

However, choosing the best digital account requires more than just comparing rates; it involves understanding how each platform aligns with the user's financial goals, from the young entrepreneur to the experienced investor.

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For this article, we dive deep into the features, advantages, and limitations of the most popular digital accounts in Brazil in 2025.

We analyze criteria such as automatic performance, ease of use, security, additional services, and user experience.

Therefore, our goal is to offer a clear and compelling overview to help you decide: which digital account is the true winner for your needs?

Why Are Digital Accounts So Popular?

The popularity of digital accounts is no coincidence.

They emerged as a direct response to the pain points of traditional bank customers: endless lines, abusive fees, and bureaucracy.

In contrast, fintechs offer account opening in minutes, mobile management, and often automatic returns tied to the CDI, which surpass savings accounts.

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But what makes these platforms so attractive besides the exemption from fees?

Firstly, accessibility is an undeniable differentiator.

Unlike traditional banks, which require proof of income and in-person visits, digital accounts allow registration with few documents, often just an ID or driver's license.

This facility has democratized access to financial services, especially for young people and the unbanked. Furthermore, integration with Pix and the absence of fees for transfers and withdrawals on many platforms make daily financial life more fluid.

However, not everything is rosy.

Popularity has also brought a saturated market, with dozens of options that vary in quality.

Some digital accounts, for example, offer attractive returns but impose limitations, such as a 30-day grace period for the balance to yield interest.

Furthermore, others lack app usability or customer service.

Therefore, when testing the most popular digital accounts, we focused on separating the wheat from the chaff, analyzing what each one actually delivers.

Criteria for Evaluating Digital Accounts

To determine which digital account truly delivers, we establish objective and subjective criteria.

First, we consider the automatic income, as many accounts promise to outperform savings accounts with rates tied to the CDI.

Next, we evaluate the application usability, essential for a fluid experience.

Finally, we analyze additional services (such as credit cards, cashback and investments) and the security, guaranteed by the Credit Guarantee Fund (FGC) or regulation by the Central Bank.

Furthermore, another crucial aspect is transparency.

Some digital accounts hide fees in the fine print, such as withdrawal fees or maintenance fees for inactive accounts.

For example, PagBank charges R$$ 50 per month for accounts with no activity for more than 360 days.

Furthermore, the quality of customer service can be a differentiator; no one wants to spend hours waiting for a response in an automated chat.

So, we tested the most popular digital accounts based on these pillars to provide a balanced analysis.

It is worth noting that each user has unique needs.

A student might prioritize free withdrawals, while an investor might seek robust CDB or fund options.

Therefore, our assessment considers different profiles, from the basic user to the entrepreneur who needs a business account.

Below, we detail the accounts that stood out in our tests, with practical examples and a comparison table.

The Digital Accounts that Stand Out in 2025

Nubank: The Brazilians' Darling

Nubank remains a titan in the digital account market, with over 100 million customers in Brazil.

Its popularity comes from its simplicity: an intuitive app, a credit card with no annual fee and an automatic return of 100% of the CDI (after 30 days of deposit).

But is the “purple one” unbeatable?

During our tests, NuConta impressed us with its transparency.

The “Cashboxes” feature allows you to organize your money for specific goals, such as a trip or a large purchase, with automatic income.

For example, imagine Ana, a freelancer who deposits R$ 5,000 into NuConta.

After one year, with CDI at 13%, she would have around R$ 5,650, already discounting Income Tax (IR) according to the regressive table.

This is significantly more than savings, which would yield around R$ 5,308.

However, Nubank has limitations.

Withdrawals cost R$1,400 each, which can be a burden for those who need cash frequently.

Furthermore, income only begins to accrue after 30 days, which can frustrate those seeking immediate liquidity.

Still, for those who value convenience and fast service, Nubank is a solid choice.

C6 Bank: The Complete Account with a Premium Touch

C6 Bank stands out for offering a comprehensive experience, with a free account, a card with no annual fee, and diverse investment options.

Unlike Nubank, C6 does not offer automatic income on the checking account, but its CDBs yield from 100% to 107% of the CDI, with FGC protection.

What makes it unique is the C6 Tag, a free toll tag, ideal for those traveling by car.

We tested C6 Bank with the profile of João, a small entrepreneur who needed a business account and investment options.

He applied R$ 10,000 in a CDB of 105% of the CDI with daily liquidity.

After six months, your balance grew to approximately R$ 10,650, already net of income tax.

Additionally, the Átomos points program and the Black card (with a free annual fee for large investments) add value for premium customers.

On the other hand, C6 may be less intuitive for beginners, as the yield requires active investment in CDBs.

Additionally, the international account has a monthly fee, which may put off occasional travelers.

Still, for those looking for a versatile account with premium benefits, C6 is a strong contender.

AstroPay: The Income Surprise

Lesser known, AstroPay surprised us in our tests with an automatic yield of 115% of the CDI, one of the highest on the market.

With no maintenance fees and cashback from partners like iFood and Uber, it's ideal for those who want to maximize their earnings without the hassle.

But can a digital wallet compete with established banks?

In our experiment, we simulated a R$3,000 deposit into AstroPay. With the CDI at 13%, the balance would grow by approximately R$448 in one year, surpassing Nubank and C6 in pure profitability.

The platform also allows free international transfers between users, a plus for those dealing with foreign currencies.

However, AstroPay does not offer FGC protection, which may generate concern among conservative investors.

Despite this, its simplicity and high performance make it an attractive option, especially for young people looking for an uncomplicated alternative.

The absence of hidden fees and user-friendly interface reinforce its potential as one of the best digital accounts of 2025.

Comparison Table: Main Digital Accounts

An Analogy to Understand Choice

Choosing the best digital account is like choosing a car for a trip.

Nubank is like a compact hatchback: reliable, easy to drive, and ideal for everyday use, but it may lack space for heavy luggage (like frequent withdrawals).

The C6 Bank is a versatile SUV, with more features and comfort, but requires the driver to know where to step (active investments).

AstroPay is an agile motorcycle, perfect for short and quick journeys, but without the robust protection of a larger car (FGC).

Which vehicle would you choose for your financial journey?

This analogy reflects the importance of aligning your digital account with your lifestyle. If you prioritize security and simplicity, Nubank may be ideal.

If you're looking for premium benefits and investments, C6 Bank is a smart bet.

For those who want to maximize income with minimal effort, AstroPay shines.

The key is to understand your priorities and test the available options.

Furthermore, the choice goes beyond numbers.

The user experience, such as the fluidity of the application and the speed of service, can make all the difference.

During our tests, Nubank stood out for its fast support, while C6 impressed with the variety of services.

AstroPay, in turn, surprised with its simplicity, but requires trust in the absence of the FGC.

Frequently Asked Questions about Digital Accounts

The Verdict: Which Digital Account to Choose?

After testing the most popular digital accounts, it's clear that there's no clear winner—it all depends on your profile.

Nubank is unbeatable in simplicity and popularity, perfect for those just starting out or looking for a hassle-free experience.

C6 Bank shines for those who want a comprehensive account, with premium benefits and robust investment options.

AstroPay is the choice for those who prioritize high income and don't mind the absence of FGC.

However, the decision requires reflection.

Ask yourself: what do you value more: security, profitability, or additional services?

We tested the most popular digital accounts to show that each has its strengths, but also its limitations.

The best account is the one that aligns with your financial goals, whether it's saving on fees, investing safely, or maximizing returns.

In 2025, digital accounts continue to transform the financial market, offering freedom and convenience.

Based on our analysis, we recommend trying at least two options to compare in practice.

After all, in a world where money never stops, why should your digital account be left behind?

Written by Andre Neri Updated August 1, 2025