{"id":206121,"date":"2024-12-09T08:40:13","date_gmt":"2024-12-09T11:40:13","guid":{"rendered":"https:\/\/www.informelitoral.com.ar\/?p=206121"},"modified":"2024-12-09T08:40:13","modified_gmt":"2024-12-09T11:40:13","slug":"billetera-virtual-cual-paga-mejor","status":"publish","type":"post","link":"https:\/\/informelitoral.com.ar\/billetera-virtual-cual-paga-mejor\/","title":{"rendered":"Billetera virtual: cu\u00e1l paga mejor"},"content":{"rendered":"<p>El Banco Central (BCRA) dispuso una nueva baja de tres puntos para sus tasas de pol\u00edtica monetaria, por lo que llev\u00f3 el n\u00famero de referencia a 32% nominal anual (TNA). La medida impact\u00f3 no solo en los rendmientos de plazos fijos de los bancos, sino adem\u00e1s en los de las billeteras virtuales, que invierten en Fondos Comunes de Inversi\u00f3n (FCI&#8217;s) money market para sus cuentas remuneradas.<\/p>\n<p>En tanto, la Tasa Efectiva Anual (TEA) se ubica en el 37,14% a partir de este nuevo ajuste que realiz\u00f3 la entidad monetaria. As\u00ed, el rendimiento efectivo mensual (TEM) qued\u00f3 fijado en 2,67%, algo por debajo de la inflaci\u00f3n de octubre, que fue del 2,7% y de la esperada para noviembre, que \u2013seg\u00fan estimaciones de distintas consultoras\u2013 se ubicar\u00e1 entre un 2,8% y un 3%.<\/p>\n<h2><b>Rendimientos de billeteras virtuales<\/b><\/h2>\n<p>El cambio de pol\u00edtica monetaria del Banco Central gener\u00f3 un impacto en las tasas ofrecidas por las billeteras virtuales. As\u00ed, los \u00faltimos relevamientos indican que las carteras digitales ofrecen, hasta la fecha, los siguientes rendimientos:<\/p>\n<ul>\n<li>Ual\u00e1<i>: 40% <\/i>TNA<i> \u2013remunera hasta $ 500.000 depositados\u2013.<\/i><\/li>\n<li>Naranja X:<i> 34% <\/i>TNA<i> \u2013aplica hasta un l\u00edmite de $ 600.000\u2013.<\/i><\/li>\n<li><i>Prex: 32,2% TNA.<\/i><\/li>\n<li>Mercado Pago: 32,7% TNA<i>.<\/i><\/li>\n<li>Personal Pay: 33,2% TNA<i>.<\/i><\/li>\n<li><i>LetsBit: 30,0% TNA.<\/i><\/li>\n<li>Lemon Cash: 30,2% TNA<i>.<\/i><\/li>\n<\/ul>\n<p>Cabe recordar que los bancos ya no aplican tasa regulada al plazo fijo, sino que la fijan seg\u00fan su criterio, y aunque es esperable que haya un reacomodamiento a la baja, algunos eligen dar un mejor rendimiento porque necesitan mayor liquidez para hacer frente a un incremento a la demanda de cr\u00e9dito.<\/p>\n<p>Asimismo, el BCRA tambi\u00e9n modific\u00f3 la tasa de inter\u00e9s de pases activos, que se redujo del 40% a 36%. Estos porcentajes rigen a partir del viernes 6 de diciembre. Y, seg\u00fan explicaron desde el BCRA, \u00abla decisi\u00f3n del Directorio se fundamenta en consideraci\u00f3n de la consolidaci\u00f3n observada en las expectativas de baja de la inflaci\u00f3n\u00bb.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Banco Central dispuso la semana pasada una nueva baja de tasas, quedando la TNA en 32 por ciento. C\u00f3mo se modifican los rendimientos de billeteras virtuales.<\/p>\n","protected":false},"author":8,"featured_media":206122,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[1594],"tags":[3120,2497],"class_list":{"0":"post-206121","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economia","8":"tag-billeteras-virtuales","9":"tag-inversiones"},"yoast_head":"<title>Billetera virtual: cu\u00e1l paga mejor - Informe Litoral<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/informelitoral.com.ar\/billetera-virtual-cual-paga-mejor\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Billetera virtual: cu\u00e1l paga mejor - Informe Litoral\" \/>\n<meta property=\"og:description\" content=\"El Banco Central dispuso la semana pasada una nueva baja de tasas, quedando la TNA en 32 por ciento. 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