La amplia gama de plazos que ofrecen los bancos en México nos posibilitan escoger diferentes opciones a la hora de invertir nuestro dinero. Por eso, si no le gusta correr riesgo con los fondos de inversión, una buena opción a corto plazo puede ser un un pagaré.
Los plazos son flexibles y no necesitos grandes sumas de dinero, por lo tanto una alternativa interesante es el pagaré a 91 días con liquidación al vencimiento, que le garantiza conocer cuanto recibirá de intereses al final de la vida del producto.
A continuación los mejores pagaré a 91 días:
| Institución | T.Int.Bruta(% anual) | Pzo Min | Pzo Max | Mto Min | Mto Max | Tipo de tasa |
|---|---|---|---|---|---|---|
| Bajío | 3,00% | 14 | 29 | 500 | 999,999,999 | Fija |
| HSBC | 3,15% | 14 | 29 | 5,000,000 | 999,999,999 | Fija |
| Santander | 2,85% | 14 | 29 | 1,000,000 | 999,999,999 | Fija |
| Banco Monex | 4,50% | 7 | 30 | 10,000,000 | 19,999,999 | Fija |
| Scotiabank | 2,75% | 28 | 34 | 1,000,000 | 999,999,999 | Fija |
| Banamex | 1,48% | 25 | 35 | 10,000,000 | 19,999,999 | Fija |
| Scotiabank | 2,75% | 35 | 35 | 1,000,000 | 999,999,999 | Fija |
| Banorte | 2,59% | 40 | 40 | 3,000,000 | 999,999,999 | Fija |
| Banamex | 1,61% | 36 | 52 | 10,000,000 | 19,999,999 | Fija |
| BBVA Bancomer | 2,13% | 56 | 56 | 3,000,000 | 999,999,999 | Ajustable |
| ABC Capital | 3,60% | 28 | 59 | 1,000,000 | 49,999,999 | Fija |
| BBVA Bancomer | 1,00% | 28 | 59 | 1,000,000 | 999,999,999 | Fija |
| BanCoppel | 2,00% | 28 | 59 | 1 | 999,999,999 | Fija |
| Banregio | 3,32% | 29 | 59 | 5,000,000 | 999,999,999 | Fija |
| Scotiabank | 2,75% | 36 | 59 | 1,000,000 | 999,999,999 | Fija |
| Scotiabank | 2,75% | 60 | 63 | 1,000,000 | 999,999,999 | Fija |
| Ve por Más | 3,78% | 28 | 69 | 5,000,000 | 999,999,999 | Fija |
| Banamex | 1,70% | 53 | 77 | 10,000,000 | 19,999,999 | Fija |
| Banamex | 1,48% | 63 | 77 | 1,000,000 | 999,999,999 | Fija |
| ABC Capital | 3,75% | 84 | 84 | 1,000,000 | 49,999,999 | Fija |
| ABC Capital | 3,21% | 84 | 84 | 1,000,000 | 49,999,999 | Ajustable |
| BBVA Bancomer | 2,13% | 84 | 84 | 3,000,000 | 999,999,999 | Ajustable |
| CIBANCO | 4,69% | 84 | 84 | 5,000,000 | 999,999,999 | Fija |
| Ixe | 3,71% | 84 | 84 | 500 | 999,999,999 | Ajustable |
| Bajío | 2,80% | 1 | 89 | 1 | 999,999,999 | Fija |
| American Express | 1,85% | 28 | 89 | 1,000,000 | 999,999,999 | Fija |
| Bajío | 3,00% | 30 | 89 | 500 | 999,999,999 | Fija |
| HSBC | 3,40% | 30 | 89 | 5,000,000 | 999,999,999 | Fija |
| Santander | 2,90% | 30 | 89 | 1,000,000 | 999,999,999 | Fija |
| Banco Monex | 4,65% | 31 | 89 | 10,000,000 | 19,999,999 | Fija |
| Afirme | 3,68% | 60 | 89 | 1,000,000 | 999,999,999 | Fija |
| Afirme | 3,68% | 60 | 89 | 1,000,000 | 999,999,999 | Ajustable |
| BBVA Bancomer | 0,90% | 60 | 89 | 1,000,000 | 999,999,999 | Fija |
| Banregio | 3,48% | 60 | 89 | 5,000,000 | 999,999,999 | Fija |
| Scotiabank | 3,20% | 60 | 89 | 1,000,000 | 999,999,999 | Fija |
| Banco Multiva | 4,50% | 1 | 90 | 2,000,000 | 999,999,999 | Ajustable |
| Banco Multiva | 3,99% | 1 | 90 | 500 | 999,999,999 | Fija |
| Afirme | 3,10% | 28 | 90 | 1,000,000 | 999,999,999 | Fija |
| VW Bank | 4,05% | 28 | 90 | 10,000,000 | 999,999,999 | Fija |
| ABC Capital | 3,70% | 60 | 90 | 1,000,000 | 49,999,999 | Fija |
| BanCoppel | 2,25% | 60 | 90 | 1 | 999,999,999 | Fija |
| Scotiabank | 2,75% | 64 | 90 | 1,000,000 | 999,999,999 | Fija |
| Ve por Más | 3,89% | 70 | 90 | 5,000,000 | 999,999,999 | Fija |
| American Express | 3,66% | 90 | 90 | 500 | 999,999,999 | Ajustable |
| Azteca | 5,60% | 90 | 90 | 1 | 999,999,999 | Fija |
| BBVA Bancomer | 1,30% | 90 | 90 | 1,000,000 | 999,999,999 | Fija |
| Banco Autofin | 5,25% | 90 | 90 | 10,000,000 | 999,999,999 | Fija |
| HSBC | 2,30% | 90 | 90 | 10 | 999,999,999 | Fija |
| WAL-MART | 5,00% | 90 | 90 | 1,000,000 | 999,999,999 | Fija |
| Bansi | 4,50% | 29 | 91 | 1,000,000 | 999,999,999 | Fija |
| Banorte | 3,22% | 89 | 91 | 3,000,000 | 999,999,999 | Fija |
| Banco Multiva | 3,99% | 91 | 91 | 500 | 999,999,999 | Fija |
| Banjército | 3,12% | 91 | 91 | 1,000,000 | 999,999,999 | Fija |
| CIBANCO | 4,75% | 91 | 91 | 10,000,000 | 999,999,999 | Fija |
| FAMSA | 4,90% | 91 | 91 | 1,000,000 | 999,999,999 | Fija |
| HSBC | 3,20% | 91 | 91 | 1,000,000 | 999,999,999 | Ajustable |
| HSBC | 2,97% | 91 | 91 | 1,000,000 | 999,999,999 | Ajustable |
| Inbursa | 3,25% | 91 | 91 | 1,000,000 | 999,999,999 | Fija |
| Ixe | 2,30% | 91 | 91 | 1,000,000 | 999,999,999 | Fija |
Otras modalidades de pagarés:
Para contratar un pagaré los bancos suelen requerir:
- Apertura con importe mínimo
- ID oficial vigente
- Comprobante de domicilio
- cuenta eje
Recuerde que “Todas las operaciones establecidas en el Artículo 46 fracciones I y II, de La Ley de Instituciones de Crédito, están garantizadas por el Instituto de Protección al Ahorro Bancario (IPAB), hasta por cuatrocientas mil unidades de inversión (UDIS), sea persona Moral o Física, independientemente de que se trate de una o mas cuentas por cliente, individuales o colectivas, conforme a las disposiciones de la Ley de Protección al Ahorro Bancario y las que deriven de la misma”.