{"id":16739,"date":"2024-06-02T10:07:19","date_gmt":"2024-06-02T13:07:19","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=16739"},"modified":"2024-06-02T10:07:19","modified_gmt":"2024-06-02T13:07:19","slug":"cual-es-la-billetera-virtual-te-paga-mas-por-tener-dinero-en-la-cuenta","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=16739","title":{"rendered":"Cu\u00e1l es la billetera virtual te paga m\u00e1s por tener dinero en la cuenta"},"content":{"rendered":"

Nuevas Tasas<\/h2>\n

Las billeteras virtuales brindan rendimientos diarios en pesos que viene en descenso. Cu\u00e1les son las tasas que ahora pagan Mercado Pago, Naranja X, Personal Pay y otras.<\/p>\n

Durante mayo, el Banco Central (BCRA) determin\u00f3 la baja de la tasa de inter\u00e9s de referencia de la econom\u00eda argentina, que pas\u00f3 del 50% al 40%. A causa de esto, los rendimientos de los plazos fijos que ofrecen los bancos se hundieron y hoy el promedio se encuentra alrededor del 30%. En este marco, las billeteras virtuales como Mercado Pago siguen siendo una opci\u00f3n atractiva para los ahorristas, dado que ofrecen tasas equivalentes (o mejores) y permiten obtener rendimientos diarios sin bloquear el dinero.<\/p>\n

No obstante, hay que tener en cuenta que no todas las billeteras virtuales ofrecen los mismos beneficios.\u00a0Un relevamiento de Trascendo, una consultora especializada en finanzas personales, revel\u00f3 de qu\u00e9 manera impact\u00f3 la baja de tasas de inter\u00e9s y cu\u00e1les son las diferencias entre los rendimientos que pagan hoy las principales plataformas fintech que operan en la Argentina.<\/u><\/p>\n

\"\"<\/figure>\n

Billeteras de Mercado Pago, Naranja X y otras: cu\u00e1l paga m\u00e1s<\/b><\/p>\n

El informe de Trascendo, que se hizo p\u00fablico este viernes, indica que no hay un claro ganador en la competencia de las billeteras virtuales. No obstante, entre las que m\u00e1s pagan se encuentra\u00a0Naranja X, con una tasa del 40% anual. Pero este rendimiento solamente se aplica hasta un l\u00edmite de $400.000.<\/u><\/p>\n

Luego se ubica la app Personal Pay, con una tasa variable, que se ajusta seg\u00fan la cantidad de dinero gastado el mes anterior, en tres niveles: 37%, 42% y 44%.<\/b><\/p>\n

Luego est\u00e1n las billeteras digitales de Banco Supervielle (35,62%) y n1u (37,09%).
\nEn tanto, Mercado Pago tiene una tasa de 32,28%, seg\u00fan Trascendo.<\/p>\n

Billeteras virtuales: c\u00f3mo se calculan las tasas<\/b>
\nEl reciente informe de Trascendo indica que su an\u00e1lisis no utiliza la Tasa Efectiva Anual (TEA), que es lo que realmente se gana al final del a\u00f1o, sino el rendimiento total de la inversi\u00f3n seg\u00fan el \u00faltimo rendimiento diario de cada app. Esto se debe a que cada app tiene un criterio distinto para definir y publicar la Tasa Nominal Anual (TNA) en sus p\u00e1ginas. As\u00ed, se compara el efecto real que tiene cada d\u00eda tener el dinero en una u otra aplicaci\u00f3n.<\/p>\n

Por otra parte, Trascendo analiza que ninguna de las billeteras virtuales logra superar a la inflaci\u00f3n. Por lo tanto, las cuentas remuneradas son una opci\u00f3n mejor que la caja de ahorro, que no genera ning\u00fan rendimiento, pero no son suficientes para preservar el valor del dinero. Fuente: El Cronista<\/p>\n

\"\"<\/p>\n

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Nogoy\u00e1 Radios es una Agencia de Medios que cuenta con espacios publicitarios adecuados para la difusi\u00f3n de su Empresa, Profesi\u00f3n y\/o Servicios.<\/em><\/strong>#Nogoy\u00e1<\/em><\/strong><\/a>\u00a0Radios 3435-425167 \/ 3435-616203 contacto@nogoyaradios.com<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Nuevas Tasas Las billeteras virtuales brindan rendimientos diarios en pesos que viene en descenso. Cu\u00e1les son las tasas que ahora pagan Mercado Pago, Naranja X, Personal Pay y otras. Durante mayo, el Banco Central (BCRA) determin\u00f3 la baja de la…<\/p>\n","protected":false},"author":2,"featured_media":16740,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-16739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nCu\u00e1l es la billetera virtual te paga m\u00e1s por tener dinero en la cuenta - Nogoy\u00e1 Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/nogoyatimes.com\/?p=16739\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cu\u00e1l es la billetera virtual te paga m\u00e1s por tener dinero en la cuenta - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"Nuevas Tasas Las billeteras virtuales brindan rendimientos diarios en pesos que viene en descenso. 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