09/01/2020 - 6:00
Clarín.com
Economy
Starting this Tuesday, the quota of US $ 200 for the purchase of
savings dollars
is renewed
.
In July there were 3.9 million people who carried out this operation and who pocketed US $ 740 million.
By August it is estimated that the number of buyers reached 5 million, who took US $ 1 billion.
The dollar purchase procedure can be done online or in person.
As it happened in previous months, home banking is expected to collapse on this first business day in September due to the number of users seeking to make the quota in the first 24 hours.
In the average of the Central Bank, yesterday the retail dollar traded at
$ 78.36
.
To this must be added the impact of the PAIS tax of 30%, which takes the price around
$ 102.
How much the dollar is priced at each bank.
Where should you buy?
But what is the price of the dollar in each entity?
Where should you buy?
Always according to the data published daily by the Central, the dollar is sold in a range that goes from
$ 76.40 to $ 79.
The cheapest option is in digital exchange houses, such as Cambios online, which sells it for
$ 76.40.
In Invertironline it is trading at
$ 76.80
.
Among banks, the best price is shown by the ICBC with
$ 77.20
.
For
under $ 78 they
also sell City ($ 77.75), Piano ($ 77.94), Credicoop ($ 77.95) and Nación ($ 77.95).
Most of the entities are
around $ 78
.
Brubank sells that price, while BBVA has it at $ 78.14.
Then HSBC, Itaú, Hipotecario and Patagonia appear, all with $ 78.25.
At $ 78.50 it is offered by Santander and Supervielle, while in Galicia it is $ 78.75.
The Macro is the only one that
reaches $ 79.
In some entities they charge
differentiated prices
depending on whether the operation is online or over the counter.
The digital option is always cheaper
.
The surcharge for operating through the window is
$ 1.75
per dollar in Piano, 50 cents in the Mortgage, 25 cents in the City, five cents in the Nation and Credicoop and
1 cent
in BBVA.
With this price level, the
maximum difference
in the square today is
$ 2.40 per dollar
.
With a maximum cap of US $ 200 per month, those who use the entire quota and buy at the cheapest bank saves a maximum of
$ 480
compared to those who buy at the most expensive bank.
Quarantine encourages online operations.
Photo Martín Bonetto
In the Central average, the difference in favor of the cheapest is $ 2, which is equivalent to a saving of
$ 400 per month.
This distance between the quotes
was more relevant when there was no stocks
and then, for those who decided, for example, buying US $ 1,000 could mean a difference of
$ 2,000,
and thus pocket an additional 20 dollars a month.
The quarantine reduces the chances of the option of going through banking entities looking for the best quote, since you can only access a branch with a
previous shift
, which is generally exclusively for customers
And although the mandatory isolation promotes
online operations
, to make the purchase of dollars you must have an account in the entity with which you seek to operate, so the chances of choosing the best digital price also decrease.
AQ
