Virtual wallets have become key for those looking to prevent their money from losing value. Some platforms offer better rates than fixed-term deposits.
This Thursday, May 22, several apps are updating their yields. We tell you which one pays the most and how to make the most of your digital money.
Billeteras virtuales o plazo fijo: cuál está pagando más este 30 de enero
What rates do virtual wallets offer today?
Interest rates vary among wallets depending on the type of yield (daily or monthly), the crediting, and whether additional benefits apply.
These are the annual rates (TNA) that the main platforms pay today:
Ualá: 35% TNA, with monthly yields.
Naranja X: 31% TNA, with daily crediting.
Mercado Pago: 27.3% TNA, with daily yields.
Personal Pay: variable rate depending on the customer level; allows for additional benefits.
Billeteras virtuales | Ualá
How to choose the best wallet to invest?
It's not just about the interest rate, but also the frequency at which interests are capitalized and the associated costs. If you're looking for daily availability, Naranja X and Mercado Pago are more practical options. If you're aiming to maximize monthly yield, Ualá leads in percentage.
Can you buy MEP dollar from these apps?
Yes. Some digital wallets allow you to buy MEP dollar legally, thus avoiding the parallel market. Currently, you can operate with this modality in:
Mercado Pago
Ualá
Naranja X
Aumentan los depósitos en dólares del sector privado.
Steps to buy MEP dollar in Mercado Pago
Enter the “Dollars” section and tap on “Buy.”
Choose the amount to acquire and confirm.
Wait 24 business hours (due to the “parking”) to see the dollars reflected.
After the parking, you can leave them in the account at no cost or transfer them to another account with the same ownership.
How to buy MEP dollar in Ualá
Enter the “Investments” section.
Select “MEP Dollar” and click on “Buy.”
Enter the amount, accept the sworn statement, and confirm.
After the parking, the dollars are credited to the dollar account or remain available in the app, depending on your choice.
Los Fondos Comunes de Inversión (FCI) ofrecen liquidez inmediata
Buy MEP dollar from Naranja X
Enter “Operate with MEP dollar.”
Choose “Buy,” enter the amount in pesos, and review the data.
Wait one business day, and the operation will be completed automatically.
