With the inflationary context and the need to protect savings, virtual wallets have gained ground as an option to invest in pesos without complications.
Many people use them daily, not only for payments or transfers but also to obtain short-term returns. This Tuesday, May 20, the main financial apps updated their rates.
Billeteras virtuales o plazo fijo: cuál está pagando más este 30 de enero
Which virtual wallet yields the most today?
The interest rate offered by each wallet defines how much you earn based on the money you have deposited. The return can be daily, monthly, or annual, depending on the platform.
These are the current interest rates offered by the main apps in Argentina:
Ualá: 35% TNA, with monthly accreditation.
Naranja X: 31% TNA, with daily returns.
Mercado Pago: 27.9% TNA, with daily returns.
Personal Pay: variable rate depending on the user's profile and the possibility of adding benefits similar to a fixed term.
Among all, Ualá stands out as the app that pays the most today. However, it is advisable to consider whether the interests are daily or monthly, as this can influence the final result.
Los Fondos Comunes de Inversión (FCI) ofrecen liquidez inmediata
How to buy MEP dollar from a virtual wallet?
The MEP dollar allows you to buy foreign currency legally, without resorting to the informal market. Although not all wallets allow it, some do offer this option.
This type of operation involves a 24-business-hour waiting period, known as “parking.” Then, the dollars remain in your account, or you can transfer them.
Aumentan los depósitos en dólares del sector privado.
Buying MEP dollar in Mercado Pago
Enter the “Dollars” section and tap “Buy”.
Choose the amount and confirm.
Wait for the 24-business-hour parking period.
Then, the dollars will be available in your account, or you can transfer them to another dollar account.
Buying MEP dollar in Ualá
Go to the “Investments” section and select “MEP Dollar”.
Press “Buy” and enter the amount.
Accept the sworn statement and confirm.
After completing the parking, the dollars are deposited in a bank account or remain available in Ualá's balance, as you choose.
Billeteras virtuales vs Plazo Fijo: qué conviene más este diciembre
Buying MEP dollar in Naranja X
Enter “Operate with MEP dollar” and choose “Buy”.
Enter the amount in pesos.
Review the data, confirm, and wait for the parking.
Once that period is over, the dollars are available for use or transfer as you prefer.
Is it advisable to invest in virtual wallets?
If you are looking to protect your pesos without complicating yourself with fixed terms, these platforms can be a good option. You have immediate liquidity, availability every day, and easy access from your phone.
Additionally, some wallets allow you to buy MEP dollars, which adds an advantage for those looking to diversify their savings legally.
