investments
Bitcoin vs. Savings Account: Where Does Your Money Earn More?
We compare the historical performance of Bitcoin with the traditional Brazilian savings account. The numbers might surprise you.
SATS Team•January 13, 2026•7 min read
Bitcoin vs. Savings Account: The Definitive Comparison
The savings account is the most popular investment in Brazil, but is it the best? Let's compare it with Bitcoin.
Savings Account Performance
- Current yield: ~6% per year
- Real yield (discounting inflation): ~2% per year
- R$1,000 in a savings account in 2020 = ~R$1,200 today
Bitcoin Performance
- Historical average appreciation: ~100% per year
- R$1,000 in Bitcoin in 2020 = ~R$10,000 today
But what about the risk?
It's true that Bitcoin is more volatile. It can go up 50% in one month and drop 30% the next. Therefore:
- Never invest what you cannot afford to lose
- Think long-term (5+ years)
- Diversify your investments
The smart strategy
Use SATS cashback to accumulate Bitcoin without additional risk. You are not "investing" new money - you are just getting part of your purchases back in an asset that historically appreciates.
Start accumulating Bitcoin on your purchases!