{"id":5336,"date":"2026-11-04T09:14:11","date_gmt":"2026-11-04T15:14:11","guid":{"rendered":"https:\/\/blog.nu.com\/?p=5336"},"modified":"2026-11-04T09:14:12","modified_gmt":"2026-11-04T15:14:12","slug":"what-is-apy-and-what-does-paid-daily-actually-mean","status":"publish","type":"post","link":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/","title":{"rendered":"What is APY, and what does &#8220;paid daily&#8221; actually mean"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">APY meaning in plain terms<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">APY stands for annual percentage yield. It shows what a balance earns in one year, including compounding. A simple rate only counts earnings on your original amount. So APY is usually a little higher than the stated rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.varomoney.com\/money-101\/banking\/difference-between-apr-vs-apy\/\">Compounding means your returns start earning returns too<\/a>. &#8220;Paid daily&#8221; tells you how often returns reach your balance. That timing is what lets them compound.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How APY, compounding and daily payouts work<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">APY vs simple interest<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s use one balance: 10,000 at 3.5%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With simple interest, you earn 350 in a year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compound the same 3.5% daily, and the APY becomes about 3.56%. That&#8217;s roughly 356 in a year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator\">The formula<\/a> is APY = (1 + r\/n)^n \u2212 1. Here, r is the yearly rate and n is compounding periods per year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">APY folds in earning on earnings. That makes it the fairer number to compare.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why payout frequency matters<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Two frequencies shape your returns. <a href=\"https:\/\/www.creditkarma.com\/investments\/i\/compound-interest-accounts\">Compounding frequency<\/a> sets how often returns are added and start earning too. Crediting frequency sets when you can see and use them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The two don&#8217;t always match. <a href=\"https:\/\/www.finder.com\/savings-accounts\/savings-account-compound-interest\">Many accounts compound daily but post returns monthly<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At 3.5% on 10,000, daily compounding earns about 356.18 a year. Monthly compounding earns about 355.67. The gap is about 0.50 a year: small, but real.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bigger win from daily crediting is access. You can spend or move returns the day they arrive.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How to compare offers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Check these before you choose:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compare APY to APY, not a rate to an APY. APR is different: it&#8217;s what you pay to borrow.<\/li>\n\n\n\n<li>Check whether the rate is &#8220;up to&#8221;, promotional or variable, and what unlocks it.<\/li>\n\n\n\n<li>Check how often returns are credited.<\/li>\n\n\n\n<li>Look for lock-ups, notice periods and withdrawal penalties.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankrate.com\/banking\/savings\/best-high-yield-interests-savings-accounts\/\">Look for fees or minimums<\/a> that reduce what you keep.<\/li>\n\n\n\n<li><a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-eliminates-currency-spread-for-the-ultravioleta-global-account-and-reimburses-customers-affected-by-temporary-increase-in-iof\/\">Check the currency<\/a>, because a yield is only as useful as the currency it&#8217;s in.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s what that can look like. With <a href=\"https:\/\/international.nubank.com.br\/about\/\">Nu Global<\/a>, <a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-announces-money-boxes-a-new-feature-in-the-app-to-save-money-in-a-personalized-way-and-with-varied-yields\/\">your balance works for you<\/a>. You earn up to 3.5% on <a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-expands-cryptocurrency-platform-portfolio\/\">digital dollars (USDC)<\/a> and 2.2% on digital euros (EURC). Returns are based on how much you hold and for how long.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They&#8217;re credited daily. There&#8217;s no lock-up, notice period, early-withdrawal penalty or fee to earn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compare offers by APY, then check access<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Use APY to compare offers side by side. Payout frequency changes the numbers slightly. It changes your access a lot. And always read the &#8220;up to&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your Nu Global balance works for you from day one, in digital dollars or digital euros. <a href=\"https:\/\/international.nubank.com.br\/\">Learn more<\/a> about how Earn works in your <a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-ultravioleta-enters-the-travel-segment-with-the-launch-of-global-account-for-customers\/\">Multi-currency Account<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>APY meaning in plain terms: how compounding and daily payouts change what you earn. Use our checklist to compare yield offers and see what to look for.<\/p>\n","protected":false},"author":16,"featured_media":5087,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"featured_image_mobile":5087,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[115,114],"tags":[],"class_list":["post-5336","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-earn","category-for-you"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>APY meaning explained: daily compounding and payouts<\/title>\n<meta name=\"description\" content=\"APY meaning in plain terms: how compounding and daily payouts change what you earn. Use our checklist to compare yield offers and see what to look for.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"APY meaning explained: daily compounding and payouts\" \/>\n<meta property=\"og:description\" content=\"APY meaning in plain terms: how compounding and daily payouts change what you earn. Use our checklist to compare yield offers and see what to look for.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/\" \/>\n<meta property=\"og:site_name\" content=\"blog.nu.com\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-04T15:14:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-11-04T15:14:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/10\/Magic-Higher-Savings-Goal-Landscape.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2880\" \/>\n\t<meta property=\"og:image:height\" content=\"1620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Nathalia R\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nathalia R\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/\"},\"author\":{\"name\":\"Nathalia R\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#\\\/schema\\\/person\\\/04d5a065f3ca410ecc41fa9f802e157b\"},\"headline\":\"What is APY, and what does &#8220;paid daily&#8221; actually mean\",\"datePublished\":\"2026-11-04T15:14:11+00:00\",\"dateModified\":\"2026-11-04T15:14:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/\"},\"wordCount\":434,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Magic-Higher-Savings-Goal-Landscape.webp\",\"articleSection\":[\"Earn\",\"For you\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/\",\"name\":\"APY meaning explained: daily compounding and payouts\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Magic-Higher-Savings-Goal-Landscape.webp\",\"datePublished\":\"2026-11-04T15:14:11+00:00\",\"dateModified\":\"2026-11-04T15:14:12+00:00\",\"description\":\"APY meaning in plain terms: how compounding and daily payouts change what you earn. Use our checklist to compare yield offers and see what to look for.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Magic-Higher-Savings-Goal-Landscape.webp\",\"contentUrl\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Magic-Higher-Savings-Goal-Landscape.webp\",\"width\":2880,\"height\":1620},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/for-you\\\/earn\\\/what-is-apy-and-what-does-paid-daily-actually-mean\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is APY, and what does &#8220;paid daily&#8221; actually mean\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/\",\"name\":\"blog.nu.com\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#organization\",\"name\":\"blog.nu.com\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/cropped-Logo.png\",\"contentUrl\":\"https:\\\/\\\/blog.nu.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/cropped-Logo.png\",\"width\":512,\"height\":512,\"caption\":\"blog.nu.com\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/#\\\/schema\\\/person\\\/04d5a065f3ca410ecc41fa9f802e157b\",\"name\":\"Nathalia R\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g\",\"caption\":\"Nathalia R\"},\"url\":\"https:\\\/\\\/blog.nu.com\\\/en\\\/author\\\/nathalia-ruiz\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"APY meaning explained: daily compounding and payouts","description":"APY meaning in plain terms: how compounding and daily payouts change what you earn. Use our checklist to compare yield offers and see what to look for.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/","og_locale":"en_US","og_type":"article","og_title":"APY meaning explained: daily compounding and payouts","og_description":"APY meaning in plain terms: how compounding and daily payouts change what you earn. Use our checklist to compare yield offers and see what to look for.","og_url":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/","og_site_name":"blog.nu.com","article_published_time":"2026-11-04T15:14:11+00:00","article_modified_time":"2026-11-04T15:14:12+00:00","og_image":[{"width":2880,"height":1620,"url":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/10\/Magic-Higher-Savings-Goal-Landscape.webp","type":"image\/webp"}],"author":"Nathalia R","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Nathalia R","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/#article","isPartOf":{"@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/"},"author":{"name":"Nathalia R","@id":"https:\/\/blog.nu.com\/en\/#\/schema\/person\/04d5a065f3ca410ecc41fa9f802e157b"},"headline":"What is APY, and what does &#8220;paid daily&#8221; actually mean","datePublished":"2026-11-04T15:14:11+00:00","dateModified":"2026-11-04T15:14:12+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/"},"wordCount":434,"commentCount":0,"publisher":{"@id":"https:\/\/blog.nu.com\/en\/#organization"},"image":{"@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/10\/Magic-Higher-Savings-Goal-Landscape.webp","articleSection":["Earn","For you"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/","url":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/","name":"APY meaning explained: daily compounding and payouts","isPartOf":{"@id":"https:\/\/blog.nu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/#primaryimage"},"image":{"@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/10\/Magic-Higher-Savings-Goal-Landscape.webp","datePublished":"2026-11-04T15:14:11+00:00","dateModified":"2026-11-04T15:14:12+00:00","description":"APY meaning in plain terms: how compounding and daily payouts change what you earn. Use our checklist to compare yield offers and see what to look for.","breadcrumb":{"@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/#primaryimage","url":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/10\/Magic-Higher-Savings-Goal-Landscape.webp","contentUrl":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/10\/Magic-Higher-Savings-Goal-Landscape.webp","width":2880,"height":1620},{"@type":"BreadcrumbList","@id":"https:\/\/blog.nu.com\/en\/for-you\/earn\/what-is-apy-and-what-does-paid-daily-actually-mean\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.nu.com\/en\/"},{"@type":"ListItem","position":2,"name":"What is APY, and what does &#8220;paid daily&#8221; actually mean"}]},{"@type":"WebSite","@id":"https:\/\/blog.nu.com\/en\/#website","url":"https:\/\/blog.nu.com\/en\/","name":"blog.nu.com","description":"","publisher":{"@id":"https:\/\/blog.nu.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.nu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/blog.nu.com\/en\/#organization","name":"blog.nu.com","url":"https:\/\/blog.nu.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blog.nu.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/01\/cropped-Logo.png","contentUrl":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/01\/cropped-Logo.png","width":512,"height":512,"caption":"blog.nu.com"},"image":{"@id":"https:\/\/blog.nu.com\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.nu.com\/en\/#\/schema\/person\/04d5a065f3ca410ecc41fa9f802e157b","name":"Nathalia R","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b37e0b9a563279805705a8d7035e30930bd52bc85b149760738187c012746463?s=96&d=mm&r=g","caption":"Nathalia R"},"url":"https:\/\/blog.nu.com\/en\/author\/nathalia-ruiz\/"}]}},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/blog.nu.com\/wp-content\/uploads\/2026\/10\/Magic-Higher-Savings-Goal-Landscape.webp","_links":{"self":[{"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/posts\/5336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/comments?post=5336"}],"version-history":[{"count":1,"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/posts\/5336\/revisions"}],"predecessor-version":[{"id":5337,"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/posts\/5336\/revisions\/5337"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/media\/5087"}],"wp:attachment":[{"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/media?parent=5336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/categories?post=5336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.nu.com\/en\/wp-json\/wp\/v2\/tags?post=5336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}