BanEcuador rates and feesAccording to the documents it publishes, the bank has term-deposit rates from 31 days (1.75% to 5.50% nominal annual), rates for 2 savings accounts, loan rates in 2 segments and 1 card fee.
Rating as published by the Superintendencia de Bancos ↗, Ecuador’s banking regulator. TasaJusta does not rate banks.
At a glance
This month’s rates against the other banks and, for private banks, the balance sheet from the latest Superintendencia de Bancos bulletin.
Term deposits
Nominal annual rate by term and amount, as the bank publishes it.
General · interest at maturity
| Term (days) | $500 to $2,000 | $2,001 to $10,000 | $10,001 to $20,000 | $20,001 to $40,000 | $40,001 to $100,000 | from $100,001 |
|---|---|---|---|---|---|---|
| 31–60 | 1.75% | 2.00% | 2.75% | 3.50% | 3.70% | 3.95% |
| 61–90 | 2.75% | 3.15% | 3.75% | 4.10% | 4.35% | 4.50% |
| 91–120 | 3.50% | 3.75% | 4.05% | 4.30% | 4.55% | 4.80% |
| 121–180 | 3.70% | 3.90% | 4.30% | 4.60% | 4.80% | 5.00% |
| 181–360 | 4.00% | 4.20% | 4.60% | 4.90% | 5.00% | 5.20% |
| 361–more | 4.30% | 4.60% | 5.00% | 5.20% | 5.30% | 5.50% |
Source: TASAS INTERES OCTUBRE 2026 v3 1, page 2 · downloaded October 23, 2026 · 36 values.
360-day rate in 2026
Best nominal annual rate the bank published for $10,000 at 360 days, month by month, from the documents we keep. A month without data is a month without a document.
See the values
| Month | Nominal rate |
|---|---|
| Jan | — |
| Feb | — |
| Mar | — |
| Apr | 5.15% |
| May | — |
| Jun | — |
| Jul | — |
| Aug | 4.60% |
| Sep | — |
| Oct | 4.20% |
Savings accounts
| Account | Balance | Nominal rate |
|---|---|---|
| Cuenta de ahorrosInstant-access savings | $0 to $500 | 0.50% |
| Cuenta de ahorrosInstant-access savings | $501 to $1,000 | 0.75% |
| Cuenta de ahorrosInstant-access savings | $1,001 to $2,000 | 1.00% |
| Cuenta de ahorrosInstant-access savings | $2,001 to $5,000 | 1.00% |
| Cuenta de ahorrosInstant-access savings | from $5,001 | 1.00% |
Ahorro programado Proyecta tu FuturoScheduled savingsConditions (in Spanish)Aporte mínimo USD 10.00. Si no se cumplen las condiciones pactadas en la apertura, se reconoce 0,75%. | from $0 | 6.00% |
Source: TASAS INTERES OCTUBRE 2026 v3 1, page 2 · downloaded October 23, 2026 · 6 values.
Loans
| Product | Effective annual | Nominal | Legal maximum |
|---|---|---|---|
| Nuevo VioletaConsumer | 10.25% | 9.80% | 16.77% |
| Crédito de ConsumoConsumer | 16.77% | 15.60% | 16.77% |
| Crédito 7x7Microcredit: public-bank programmes | 7.23% | 7.00% | — |
| Nuevo transporteMicrocredit: public-bank programmes | 9.38% | 9.00% | — |
| Impulso TransporteMicrocredit: public-bank programmes | 10.32% | 9.86% | — |
| Bantransporte PlusMicrocredit: public-bank programmes | 12.53% | 11.86% | — |
| Producción Sostenible AgricolaMicrocredit: public-bank programmes | 14.93% | 14.00% | — |
| Producción Sostenible PecuariaMicrocredit: public-bank programmes | 14.93% | 14.00% | — |
| Crédito PrecalificadoMicrocredit: public-bank programmes | 15.50% | 14.50% | — |
| Microcrédito PreferencialMicrocredit: public-bank programmes | 15.79% | 14.75% | — |
| Crédito VioletaMicrocredit: public-bank programmes | 16.08% | 15.00% | — |
| Joven ProductivoMicrocredit: public-bank programmes | 16.08% | 15.00% | — |
| Violeta AgroMicrocredit: public-bank programmes | 16.08% | 15.00% | — |
| Crédito Energía (Productivo)Microcredit: public-bank programmes | 17.46% | 16.20% | — |
| Crédito Energía (Comercio y Servicio)Microcredit: public-bank programmes | 17.81% | 16.50% | — |
| Microcrédito General (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Emergencia Estamos Contigo (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Migrantes (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Artesanos (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Somos Productivos (Discapacidad) (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Asociaciones y Organizaciones Comunitarias (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Ciclo Corto (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Nacionalidades Indígenas (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Transporte pesado (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Crédito Compra Segura (Producción)Microcredit: public-bank programmes | 18.39% | 17.00% | — |
| Microcrédito General (Comercio y Servicio)Microcredit: public-bank programmes | 18.74% | 17.30% | — |
| Migrantes (Comercio y Servicio)Microcredit: public-bank programmes | 18.74% | 17.30% | — |
| Artesanos (Comercio y Servicio)Microcredit: public-bank programmes | 18.74% | 17.30% | — |
| Somos Productivos (Discapacidad) (Comercio y Servicio)Microcredit: public-bank programmes | 18.74% | 17.30% | — |
| Asociaciones y Organizaciones Comunitarias (Comercio y Servicio)Microcredit: public-bank programmes | 18.74% | 17.30% | — |
| Transporte pesado (Comercio y Servicio)Microcredit: public-bank programmes | 18.74% | 17.30% | — |
| Crédito Compra Segura (Comercio y Servicio)Microcredit: public-bank programmes | 18.74% | 17.30% | — |
Source: TASAS INTERES OCTUBRE 2026 v3 1, page 1 · downloaded October 23, 2026 · 32 values.
Cards
| Service | Fee incl. VAT |
|---|---|
| Debit card · card issue (chip) | $5.03 |
Source: TARIFARIO OCT V 2026, page 2 · downloaded October 23, 2026.
Services and other fees
Service fees
| Service | Fee incl. VAT |
|---|---|
| ATM withdrawal abroad | $5.13 |
| Card purchase abroad, over $100 | $1.96 |
Source: TARIFARIO OCT V 2026, page 2 · downloaded October 23, 2026.
It publishes the out-of-court collection table with the same values as the other banks that print it.
The bank’s documents
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The official document prevails over what this site shows. If you find a difference, see the data status.