A fixed income investment that follows your rhythm — accruing every business day, always available for redemption. Secure, simple, and designed for your financial goals.
Tesouro Reserva was designed to offer simplicity, security, and flexibility for investors of all profiles — from beginners building their first savings to experienced investors diversifying their portfolio.
Your investment starts accruing returns from the very first business day. No waiting periods, no lock-in — your money works for you immediately.
Available around the clock, seven days a week. Purchase or redeem your investment at any time — weekends, holidays, whenever you need.
Tesouro Reserva is a public security issued by the National Treasury, offering the highest level of credit security available in the market.
Start with as little as R$ 1.00. Tesouro Reserva makes investing accessible to everyone, regardless of budget or experience level.
Unlike other fixed income securities, Tesouro Reserva has no mark-to-market adjustment. Your balance only increases — it never temporarily decreases.
With multiple available maturities, you can choose the investment horizon that best aligns with your financial planning and goals.
Getting started with Tesouro Reserva is straightforward. Follow these simple steps to begin your investment journey.
Sign up with a participating financial institution. Tesouro Reserva is currently available through Banco do Brasil, with more institutions coming soon.
Select the amount you want to invest — from R$ 1.00 up to R$ 500,000 per month. Choose the maturity date that matches your financial goals.
Your investment accrues daily returns tied to the Selic rate. Monitor your balance anytime, with full transparency and no surprises.
Need access to your funds? Redeem your investment at any time, 24 hours a day, 7 days a week. No penalties, no waiting periods.
Whether you are building an emergency fund, saving for a specific goal, or diversifying your portfolio, Tesouro Reserva adapts to your needs.
Keep your savings accessible with daily liquidity, ready for unexpected expenses.
Save for planned expenses with confidence, knowing your money is secure and growing.
Add a low-risk, government-backed asset to balance your investment strategy.
Build a consistent savings habit with automated investments and daily returns visibility.
Join millions of investors who trust Tesouro Reserva for its security, simplicity, and flexibility. Your financial future starts today.
Get Started NowFind answers to the most common questions about Tesouro Reserva.
Tesouro Reserva is a fixed income investment security issued by the Brazilian National Treasury. It is designed to accompany your rhythm — accruing returns every business day from the first day of investment and remaining always available for redemption, 24 hours a day, 7 days a week.
Unlike Tesouro Selic, Tesouro Reserva has no mark-to-market volatility, meaning the invested balance only increases over time and never temporarily decreases due to market fluctuations. Additionally, Tesouro Reserva offers 100% of the Selic rate with no spread.
The minimum investment for Tesouro Reserva is just R$ 1.00, making it accessible to investors of all profiles. The monthly investment limit is R$ 500,000 per investor.
Yes. Tesouro Reserva offers 24/7 liquidity, meaning you can redeem your investment at any time — including weekends and holidays. There are no restrictions or penalties for early redemption.
Tesouro Reserva returns are indexed to the Selic rate (Brazil's basic interest rate). Returns accrue daily on every business day from the first day of investment. Income tax is applied only on the returns, following a regressive rate structure based on the holding period.
Currently, Tesouro Reserva is available to account holders of Banco do Brasil. Other financial institutions are in the testing phase and will be announced as they become available.
Yes. Tesouro Reserva is a federal government bond, backed by the Brazilian National Treasury. It carries the highest credit rating available in the domestic market, making it one of the safest investment options.