Treasury Reserve yields 100% of Selic, operates 24 hours a day and was created as an emergency reserve
This Monday (May 11, 2026) the Treasury Reserve is being launched, a new public security aimed at those who want to save money for emergencies or short-term objectives. The product allows applications and redemptions practically 24 hours a day, every day of the week, including weekends and holidays.
The new application was created for use by Brazilians to keep money idle, such as savings accounts, CDBs with daily liquidity, DI funds and “piggy banks” or “little boxes” from digital banks.
The bond yields 100% of the Selic, the basic interest rate, and has a minimum investment of R$1. In comparison, savings have their own yield rules and, in many scenarios, yield less than investments linked to the Selic.
The product is available, for now, only through Banco do Brasil. Other financial institutions must be enabled later.
The official launch will be held at , in São Paulo. The project is part of the 1st phase of Tesouro Direto 24 X 7, an initiative that expands the functioning of Tesouro Direto operations beyond traditional market hours.
UNDERSTAND HOW IT WORKS
The Treasury Reserve is a public Treasury Direct bond designed to function as an emergency reserve. The idea is to allow the investor to leave money behind, but with quick access to resources when they need them.
Today, the traditional Tesouro Direto operates at specific times. In the new product, investors will be able to invest and redeem money from Sunday to Sunday. Operations will only be unavailable daily between midnight and 1am.
The money starts to be paid from the 1st business day after application. Settlement is made via Pix, which allows immediate receipt of the redemption amount.
Another point is that the Treasury Reserve will not be marked to market. In practice, this means that the redeemed value will not fluctuate due to financial market conditions. The investor will receive the amount invested plus accumulated income.
Despite having a maturity of 10 years, the bond can be redeemed at any time. The minimum value for both application and redemption is also R$1.
FEES AND TAXES
The product follows fixed income taxation. Income Tax is charged according to the regressive table, depending on the application period, and IOF if the redemption is made in the first 30 days.
B3’s custody fee is 0.20% per year, but there is an exemption for amounts of up to R$10,000 invested in the product.
