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 se necesitan 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 Mín | Pzo Máx | Mto mín | Mto Máx | Tasa |
|---|---|---|---|---|---|---|
| Bajío | 1,85% | 14 | 29 | 500 | 999,999,999 | Fija |
| Banamex | 0,83% | 14 | 29 | 10,000,000 | 19,999,999 | Fija |
| HSBC | 1,58% | 14 | 29 | 5,000,000 | 999,999,999 | Fija |
| Santander | 1,76% | 14 | 29 | 3,000,000 | 999,999,999 | Fija |
| Scotiabank | 1,65% | 28 | 34 | 1,000,000 | 999,999,999 | Fija |
| Banamex | 0,89% | 30 | 34 | 10,000,000 | 19,999,999 | Fija |
| Scotiabank | 1,70% | 35 | 35 | 1,000,000 | 999,999,999 | Fija |
| Banamex | 0,96% | 35 | 38 | 10,000,000 | 19,999,999 | Fija |
| Banorte | 1,92% | 40 | 40 | 3,000,000 | 999,999,999 | Fija |
| Banamex | 1,04% | 41 | 52 | 10,000,000 | 19,999,999 | Fija |
| BBVA Bancomer | 1,80% | 56 | 56 | 3,000,000 | 999,999,999 | Ajustable |
| ABC Capital | 3,25% | 28 | 59 | 1,000,000 | 49,999,999 | Fija |
| BBVA Bancomer | 1,65% | 28 | 59 | 1,000,000 | 999,999,999 | Fija |
| BanCoppel | 2,00% | 28 | 59 | 1 | 999,999,999 | Fija |
| Banregio | 1,92% | 29 | 59 | 5,000,000 | 999,999,999 | Fija |
| Scotiabank | 1,75% | 36 | 59 | 1,000,000 | 999,999,999 | Fija |
| Scotiabank | 1,75% | 60 | 63 | 1,000,000 | 999,999,999 | Fija |
| Banamex | 1,14% | 63 | 63 | 1,000,000 | 999,999,999 | Fija |
| Ve por Más | 2,91% | 28 | 69 | 5,000,000 | 999,999,999 | Fija |
| Banamex | 1,09% | 55 | 76 | 10,000,000 | 19,999,999 | Fija |
| ABC Capital | 3,05% | 84 | 84 | 1,000,000 | 49,999,999 | Fija |
| ABC Capital | 2,86% | 84 | 84 | 1,000,000 | 49,999,999 | Ajustable |
| Bansi | 3,16% | 84 | 84 | 10,000,000 | 999,999,999 | Ajustable |
| Bansi | 3,05% | 84 | 84 | 10,000,000 | 999,999,999 | Fija |
| Bansi | 3,01% | 84 | 84 | 10,000,000 | 999,999,999 | Ajustable |
| CIBANCO | 3,09% | 84 | 84 | 5,000,000 | 999,999,999 | Fija |
| Bajío | 1,75% | 1 | 89 | 1 | 999,999,999 | Fija |
| American Express | 1,85% | 28 | 89 | 1,000,000 | 999,999,999 | Fija |
| Bajío | 1,90% | 30 | 89 | 500 | 999,999,999 | Fija |
| HSBC | 1,68% | 30 | 89 | 5,000,000 | 999,999,999 | Fija |
| Santander | 1,76% | 30 | 89 | 3,000,000 | 999,999,999 | Fija |
| Afirme | 2,83% | 60 | 89 | 1,000,000 | 999,999,999 | Fija |
| Afirme | 2,83% | 60 | 89 | 1,000,000 | 999,999,999 | Ajustable |
| BBVA Bancomer | 1,77% | 60 | 89 | 1,000,000 | 999,999,999 | Fija |
| Banregio | 2,36% | 60 | 89 | 5,000,000 | 999,999,999 | Fija |
| Scotiabank | 1,65% | 60 | 89 | 1,000,000 | 999,999,999 | Fija |
| Banco Multiva | 2,62% | 1 | 90 | 2,000,000 | 999,999,999 | Ajustable |
| Banco Multiva | 2,62% | 1 | 90 | 500 | 999,999,999 | Fija |
| Afirme | 3,10% | 28 | 90 | 1,000,000 | 999,999,999 | Fija |
| Banco Monex | 2,90% | 28 | 90 | 10,000,000 | 19,999,999 | Fija |
| VW Bank | 3,15% | 28 | 90 | 10,000,000 | 999,999,999 | Fija |
| ABC Capital | 3,35% | 60 | 90 | 1,000,000 | 49,999,999 | Fija |
| BanCoppel | 2,25% | 60 | 90 | 1 | 999,999,999 | Fija |
| Scotiabank | 1,75% | 64 | 90 | 1,000,000 | 999,999,999 | Fija |
| Ve por Más | 3,00% | 70 | 90 | 5,000,000 | 999,999,999 | Fija |
| Azteca | 2,80% | 90 | 90 | 1 | 999,999,999 | Fija |
| BBVA Bancomer | 1,65% | 90 | 90 | 1,000,000 | 999,999,999 | Fija |
| Banco Autofin | 3,65% | 90 | 90 | 10,000,000 | 999,999,999 | Fija |
| Banco Autofin | 3,45% | 90 | 90 | 3,000,000 | 999,999,999 | Fija |
| HSBC | 1,41% | 90 | 90 | 10 | 999,999,999 | Fija |
| WAL-MART | 3,90% | 90 | 90 | 500 | 999,999,999 | Fija |
| Bansi | 3,10% | 29 | 91 | 1,000,000 | 999,999,999 | Fija |
| Banorte | 2,39% | 89 | 91 | 3,000,000 | 999,999,999 | Fija |
| Banamex | 1,20% | 91 | 91 | 1,000,000 | 999,999,999 | Fija |
| Banco Multiva | 2,62% | 91 | 91 | 500 | 999,999,999 | Fija |
| Banjército | 2,01% | 91 | 91 | 1,000,000 | 999,999,999 | Fija |
| CIBANCO | 3,15% | 91 | 91 | 10,000,000 | 999,999,999 | Fija |
| FAMSA | 3,70% | 91 | 91 | 10,000,000 | 99,999,999 | Fija |
| HSBC | 1,99% | 91 | 91 | 1,000,000 | 999,999,999 | Ajustable |
| HSBC | 1,81% | 91 | 91 | 1,000,000 | 999,999,999 | Ajustable |
| Inbursa | 3,17% | 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”.
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