{"id":5338,"date":"2026-11-04T09:14:11","date_gmt":"2026-11-04T15:14:11","guid":{"rendered":"https:\/\/blog.nu.com\/sem-categoria\/what-is-apy-and-what-does-paid-daily-actually-mean\/"},"modified":"2026-11-04T09:16:24","modified_gmt":"2026-11-04T15:16:24","slug":"what-is-apy-and-what-does-paid-daily-actually-mean","status":"publish","type":"post","link":"https:\/\/blog.nu.com\/pt-br\/para-voce\/ganhar\/what-is-apy-and-what-does-paid-daily-actually-mean\/","title":{"rendered":"O que \u00e9 APY e o que significa &#8220;pago diariamente&#8221;"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Significado de APY em termos simples<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">APY (annual percentage yield) \u00e9 o rendimento percentual anual. Ele mostra quanto um saldo rende em um ano, com capitaliza\u00e7\u00e3o. No Brasil, a ideia costuma aparecer como rendimento ou taxa anual efetiva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uma taxa simples s\u00f3 conta o valor original. Por isso, o APY costuma ser um pouco maior.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.varomoney.com\/money-101\/banking\/difference-between-apr-vs-apy\/\">Capitalizar significa que seus rendimentos tamb\u00e9m passam a render<\/a>. &#8220;Pago diariamente&#8221; indica com que frequ\u00eancia os rendimentos chegam ao seu saldo. Esse ritmo permite a capitaliza\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Como funcionam APY, capitaliza\u00e7\u00e3o e pagamentos di\u00e1rios<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">APY versus juros simples<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vamos a um exemplo: 10.000 a 3,5%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Com juros simples, voc\u00ea ganha 350 em um ano.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Capitalize os mesmos 3,5% diariamente, e o APY fica em cerca de 3,56%. Isso d\u00e1 aproximadamente 356 no ano.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator\">A f\u00f3rmula<\/a> \u00e9 APY = (1 + r\/n)^n \u2212 1. Aqui, r \u00e9 a taxa anual e n, os per\u00edodos de capitaliza\u00e7\u00e3o por ano.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O APY inclui rendimento sobre rendimento. Por isso, \u00e9 a base mais justa de compara\u00e7\u00e3o.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Por que a frequ\u00eancia de pagamento importa<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Duas frequ\u00eancias definem seus rendimentos. A <a href=\"https:\/\/www.creditkarma.com\/investments\/i\/compound-interest-accounts\">frequ\u00eancia de capitaliza\u00e7\u00e3o<\/a> define quando os rendimentos s\u00e3o somados e passam a render. A frequ\u00eancia de cr\u00e9dito define quando voc\u00ea pode us\u00e1-los.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As duas nem sempre coincidem. <a href=\"https:\/\/www.finder.com\/savings-accounts\/savings-account-compound-interest\">Muitas contas capitalizam diariamente, mas creditam mensalmente<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A 3,5% sobre 10.000, a capitaliza\u00e7\u00e3o di\u00e1ria rende cerca de 356,18 por ano. A mensal rende cerca de 355,67. A diferen\u00e7a \u00e9 de cerca de 0,50 por ano: pequena, mas real.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O maior ganho do cr\u00e9dito di\u00e1rio \u00e9 o acesso. Voc\u00ea pode gastar ou movimentar os rendimentos no dia do cr\u00e9dito.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Como comparar ofertas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Confira antes de escolher:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compare APY com APY, nunca uma taxa com um APY. O APR \u00e9 o custo de pegar emprestado.<\/li>\n\n\n\n<li>Veja se a taxa \u00e9 &#8220;at\u00e9&#8221;, promocional ou vari\u00e1vel, e o que a libera.<\/li>\n\n\n\n<li>Veja com que frequ\u00eancia os rendimentos s\u00e3o creditados.<\/li>\n\n\n\n<li>Procure per\u00edodos de bloqueio, aviso pr\u00e9vio e multas por saque.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankrate.com\/banking\/savings\/best-high-yield-interests-savings-accounts\/\">Procure tarifas ou valores m\u00ednimos<\/a> que reduzem o que fica com voc\u00ea.<\/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\/\">Confira a moeda<\/a>, porque um rendimento s\u00f3 vale tanto quanto a moeda em que est\u00e1.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Na pr\u00e1tica, com o <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\/\">seu saldo trabalha para voc\u00ea<\/a>. Ele rende at\u00e9 3,5% em <a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-expands-cryptocurrency-platform-portfolio\/\">d\u00f3lares digitais (USDC)<\/a> e 2,2% em euros digitais (EURC).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Os rendimentos consideram quanto voc\u00ea mant\u00e9m e por quanto tempo. Eles s\u00e3o creditados diariamente. N\u00e3o h\u00e1 per\u00edodo de bloqueio, aviso pr\u00e9vio, multa por saque antecipado nem tarifa para render.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compare ofertas pelo APY e depois confira o acesso<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Use o APY para comparar ofertas lado a lado. A frequ\u00eancia de pagamento muda pouco os n\u00fameros, mas muda muito o seu acesso. E sempre leia o &#8220;at\u00e9&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seu saldo no Nu Global trabalha para voc\u00ea desde o primeiro dia, em d\u00f3lares digitais ou euros digitais. <a href=\"https:\/\/international.nubank.com.br\/\">Saiba mais<\/a> sobre como o Earn funciona na sua <a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-ultravioleta-enters-the-travel-segment-with-the-launch-of-global-account-for-customers\/\">Conta Multimoeda<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Entenda o que \u00e9 APY, como a capitaliza\u00e7\u00e3o funciona e por que o rendimento pago diariamente faz diferen\u00e7a. Veja o checklist e compare ofertas com clareza.<\/p>\n","protected":false},"author":16,"featured_media":5195,"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":[120,119],"tags":[],"class_list":["post-5338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ganhar","category-para-voce"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que \u00e9 APY? 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