Weeks ago, the
Central Bank
decided to lower the reference interest rate from 110 to 80%, at the same time that the minimum rate on fixed terms was eliminated. Consequently, the banks quickly applied the modification and began to offer
different returns
, but
below
that proposed by the organization.
In this context, although for many savers it is no longer an attractive investment alternative to
protect themselves
from inflation, for those who are very
conservative
and are considering renewing a fixed term or opening one from scratch, it is advisable to choose the
entity that offers the most profitability
at the time of completing the operation.
To do this, they must
compare the profits
that could be obtained with the interest rate of the bank where you have your account with that of other entities where you are not a client.
How to make a fixed term in a bank where I am not a client?
This option allows, in addition to choosing where
to place the money without being "captive"
, access to the best rate that the different financial institutions are offering.
Step by step, how to make a fixed term in a bank where you are not a customer
The BCRA lowered the reference interest rate for fixed terms. Photo: Maxi Failla.
1)
Go to the
website or mobile banking
of the bank where you are interested in requesting a fixed term and complete an
online form
.
2)
Enter the
CUIT / CUIL and the CBU or alias
of the account in which the funds will be debited.
3)
Once this procedure is enabled, there is the possibility of establishing the fixed term. At this point you must
complete the amount
(minimum of $1,000), the
chosen term
, the
bank
and the
CBU
of origin of the funds. When completing this, the system sends a notice to the bank where the funds are located to enable a transfer to the entity where the deposit will be made.
4)
In a visible place in the homebanking and/or mobile banking, an option called “To establish a term placement” appears where you can
authorize or reject
the constitution of the
fixed term that was requested at the other bank.
5)
Once completed, the bank where the fixed term was chosen must send all the
transaction data by mail.
On the
expiration day
(at the time of opening of banking hours), the bank where the fixed term was made must
transfer the
imposition amount and its remuneration to the originating account.
Accreditation must be immediate
.
Fixed term: which are the 4 banks that pay the best and what rates do the others offer?
So that everyone has access to the different options, the Central Bank publishes the fixed-term rates of all banks through its website and those who are not clients can carry out the procedure from there. These are the
4 banks that offer the best performance
for fixed mansions:
Ualá -
77%
TNA
.
Regional Credit Financial Company -
76%
TNA
.
Meridian Bank-
75%
TNA
.
CMF Bank -
74%
TNA
The fixed term no longer protects the pesos from inflation. Photo: Shutterstock
Below, and ordered from highest to lowest profitability, the 20 largest entities and the interest rate they offer:
Tierra del Fuego Bank -
73%
TNA
.
BiBank -
73%
TNA
Bica Bank -
72%
TNA
Banco del Sol -
72%
TNA
Mortgage Bank -
71%
TNA
Macro Bank -
71%
TNA
Comafi -
71%
TNA
.
Banco Julio -
71%
TNA
Dino Bank -
70%
TNA
.
Banco Nación -
70%
TNA
Santander -
70%
TNA
Galicia -
70%
TNA
Banco Provincia -
70%
TNA
BBVA -
70%
TNA
HSBC -
70%
TNA
Credicoop -
70%
TNA
ICBC -
70%
TNA
Banco Ciudad -
70%
TNA
Current Bank
- 70%
TNA
Masventas Bank -
64%
TNA.
LN