According to the documents it publishes, the bank has term-deposit rates from 30 days (2.30% to 4.55% nominal annual), rates for 3 savings accounts, loan rates in 4 segments and 14 card fees.
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.
Where its assets are
Breakdown of assets at September 30, 2026, against all private banks together.
| Account | USD million | Of assets | System | |
|---|---|---|---|---|
| Loans (net of provisions) | 2,507.0 | 74.50% | 63.13% | |
| Investments | 324.3 | 9.64% | 19.33% | |
| Available funds | 170.2 | 5.06% | 9.84% | |
| Other assets | 363.4 | 10.80% | 7.70% |
Its equity is $576.2 million, 17.12% of its assets (private banks: 9.28%).
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Bancos Privados ↗ (monthly financial bulletin of private banks), balance sheet and financial indicators, cut-off September 30, 2026. Figures as published, in millions of dollars.
Term deposits
Nominal annual rate by term and amount, as the bank publishes it.
General · interest at maturity
| Term (days) | $1,000 to $49,999 | $50,000 to $99,999 | $100,000 to $199,999 | $200,000 to $499,999 | $500,000 to $999,999 | from $1,000,000 |
|---|---|---|---|---|---|---|
| 30–59 | 2.30% | 2.50% | 2.60% | 2.65% | 2.75% | 2.80% |
| 60–89 | 2.60% | 2.75% | 2.85% | 2.90% | 3.00% | 3.05% |
| 90–119 | 2.90% | 3.00% | 3.05% | 3.10% | 3.20% | 3.25% |
| 120–149 | 3.60% | 3.70% | 3.75% | 3.80% | 3.90% | 3.95% |
| 150–179 | 3.85% | 3.95% | 4.00% | 4.05% | 4.15% | 4.20% |
| 180–209 | 4.00% | 4.10% | 4.15% | 4.20% | 4.35% | 4.40% |
| 210–269 | 4.05% | 4.15% | 4.20% | 4.30% | 4.40% | 4.45% |
| 270–360 | 4.10% | 4.20% | 4.25% | 4.35% | 4.45% | 4.50% |
| 361–more | 4.15% | 4.25% | 4.30% | 4.40% | 4.50% | 4.55% |
Source: tarifario tasas multimarca octubre 2026, page 2 · downloaded October 23, 2026 · 54 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 | 4.80% |
| Feb | 4.80% |
| Mar | 4.80% |
| Apr | 4.80% |
| May | 4.10% |
| Jun | 4.10% |
| Jul | 4.10% |
| Aug | — |
| Sep | 4.10% |
| Oct | 4.10% |
Savings accounts
| Account | Balance | Nominal rate |
|---|---|---|
Cuenta BLUInstant-access savingsConditions (in Spanish)Para cuentas aperturadas a partir de diciembre 2025, independientemente del rango (límite inferior y superior). Nota: Para las operaciones de financiamiento se aplicará una contribución anual del 0.5% sobre el monto de la operación. Fecha de Emisión: Fecha en la que se realiza el corte y Emisión del Estado de Cuenta del socio. Fecha máxima de pago: Fecha hasta la cual el socio puede pagar los cons | from $0 | 5.00% |
| Cuenta de ahorros DinersInstant-access savings | $0 to $10,000 | 2.90% |
| Cuenta de ahorros DinersInstant-access savings | $10,000 to $50,000 | 3.90% |
| Cuenta de ahorros DinersInstant-access savings | $50,000 to $100,000 | 4.40% |
| Cuenta de ahorros DinersInstant-access savings | $100,000 to $200,000 | 4.60% |
| Cuenta de ahorros DinersInstant-access savings | $200,000 to $2,000,000 | 4.70% |
| Cuenta de ahorros DinersInstant-access savings | from $2,000,000 | 4.80% |
Source: tarifario tasas multimarca octubre 2026, page 2 · downloaded October 23, 2026 · 7 values.
Plan de Acumulación Diners
Nominal annual rate by term and amount.
| Term (days) | $50 to $600 | $601 to $1,999 | $2,000 to $4,999 | $5,000 to $9,999 | from $10,000 |
|---|---|---|---|---|---|
| 30 | 0.50% | 0.60% | 0.70% | 0.80% | 0.90% |
| 60 | 0.70% | 0.80% | 0.90% | 1.00% | 1.10% |
| 92 | 0.90% | 1.00% | 1.10% | 1.20% | 1.30% |
| 120 | 1.10% | 1.20% | 1.30% | 1.40% | 1.50% |
| 150 | 1.60% | 1.70% | 1.80% | 1.90% | 2.00% |
| 180 | 2.10% | 2.20% | 2.30% | 2.40% | 2.50% |
| 210 | 2.60% | 2.70% | 2.80% | 2.90% | 3.00% |
| 270 | 3.00% | 3.10% | 3.20% | 3.30% | 3.35% |
| 361 | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% |
Source: tarifario tasas multimarca octubre 2026, page 2 · downloaded October 23, 2026 · 45 values.
Loans
| Product | Effective annual | Nominal | Legal maximum |
|---|---|---|---|
| Inmobiliario PersonasReal estate (housing) | 9.15% | 8.79% | 9.15% |
| Micro AmpliadaExtended-accumulation microcredit | 22.05% | 20.09% | 22.05% |
| Micro MinoristaRetail microcredit | 28.23% | 25.12% | 28.23% |
| Micro SimpleSimple-accumulation microcredit | 24.89% | 22.43% | 24.89% |
Source: tarifario personal multimarca multicanal octubre 2026, page 1 · downloaded October 23, 2026 · 4 values.
Cards
| Service | Fee incl. VAT |
|---|---|
| Credit card · card issue (chip) | $5.03 |
| Credit card · card renewal | $5.03 |
| Debit card · card issue (chip) | $5.03 |
| Debit card · card renewal | $5.03 |
| Debit card · annual service | $1.81 |
Source: tarifario tasas multimarca octubre 2026, page 4 · downloaded October 23, 2026.
Annual credit card charges
| Card or segment | Charge | Annual fee incl. VAT |
|---|---|---|
| Discover Me, Discover, Discover More y 6 más | Rewards plan | $26.45 |
| Diners Club Claro, Diners Club AAdvantage, Diners Club Miles y 14 más | Rewards plan | $32.20 |
| Visa Titanium Signature Miles - AAdvantage | Rewards plan | $50.60 |
| Sphaera Club Miles - AAdvantage, Mcnamara Club Miles - AAdvantage, TITANIUM Visa Infinite Miles - AAdvantage y 2 más | Rewards plan | $62.10 |
| Diners Club Corporativa AAdvantage Nacional Plan 150 y 350, Diners Club Corporativa Club Miles Nacional Plan 150 y 350, Diners Metrodolares Corporativa Nacional | Rewards plan | $5.75 |
| Diners Club Internacional, Diners Club Unicef Internacional, Diners Club Movistar y 8 más | Benefits abroad | $12.65 |
| Diners Club Claro, Diners Club AAdvantage, Diners Club Miles y 14 más | Benefits abroad | $18.40 |
| TITANIUM Visa Signature Miles - AAdvantage | Benefits abroad | $23.00 |
| Sphaera Club Miles - AAdvantage, Mcnamara Club Miles - AAdvantage, TITANIUM Visa Infinite Miles - AAdvantage y 2 más | Benefits abroad | $27.60 |
Source: tarifario tasas multimarca octubre 2026, page 5 · downloaded October 23, 2026.
Services and other fees
Service fees
| Service | Fee incl. VAT |
|---|---|
| Transfer to another bank (SPI), online | $0.41 |
| Transfer to another bank (SPI), at a branch | $2.21 |
| Withdrawal at another bank’s ATM | $0.52 |
| ATM withdrawal abroad | $5.13 |
| ATM balance enquiry abroad | $1.02 |
| Card purchase abroad, over $100 | $1.96 |
| Transfer abroad, up to $1,000 | $56.97 |
| Transfer abroad, over $10,000 | $115.00 |
| Reloadable prepaid card · issue | $5.03 |
Source: tarifario tasas multimarca octubre 2026, page 4 · downloaded October 23, 2026.
Cash advance · branch and online
Fee incl. VAT for each advance, by its amount.
| Advance amount | Fee |
|---|---|
| $0 to $100.99 | $5.13 |
| $101 to $200.99 | $10.26 |
| $201 to $300.99 | $15.39 |
| $301 to $500.99 | $25.65 |
| $501 to $900.99 | $28.05 |
| $901 to $1,000.99 | $33.88 |
| $1,001 to $1,200.99 | $40.03 |
| $1,201 to $1,500.99 | $49.24 |
| $1,501 to $2,000.99 | $64.60 |
| $2,001 to $2,500.99 | $79.95 |
| $2,501 to $3,000.99 | $86.25 |
| $3,001 to $3,500.99 | $110.65 |
| $3,501 to $4,000.99 | $115.00 |
| $4,001 to $4,500.99 | $141.36 |
| $4,501 to $5,000.99 | $143.75 |
| $5,001 to $6,000.99 | $172.50 |
| $6,001 to $7,000.99 | $201.25 |
| $7,001 to $8,000.99 | $230.00 |
| $8,001 to $9,000.99 | $258.75 |
| $9,001 to $10,000.99 | $287.50 |
Source: tarifario tasas multimarca octubre 2026, page 6 · downloaded October 23, 2026 · 20 values.
Paying for credit card purchases in instalments
Effective annual rate and, when the bank publishes it, the weighting factor: total interest as a percentage of the amount paid in instalments.
| Term | Effective rate | Factor |
|---|---|---|
| 3 months | 16.77% | 2.63% |
| 6 months | 16.77% | 4.65% |
| 12 months | 16.77% | 8.76% |
| 24 months | 16.77% | 17.29% |
| 36 months | 16.77% | 26.23% |
Source: tarifario tasas multimarca octubre 2026, page 1 · downloaded October 23, 2026 · 5 values.
Late-payment interest on personal cards
| Days late | Nominal rate | Effective rate |
|---|---|---|
| 0 | 16.38% | 17.67% |
| 30 | 16.69% | 18.03% |
| 60 | 17.00% | 18.39% |
| 90 or more | 17.16% | 18.58% |
Source: tarifario tasas multimarca octubre 2026, page 1 · downloaded October 23, 2026.
It publishes the out-of-court collection table with the same values as the other banks that print it.
Credit balances on credit cards: 0.01% nominal annual.
Source: tarifario personal multimarca multicanal octubre 2026, page 2 · downloaded October 23, 2026.
Cards it issues (53 credit, 5 debit)
Credit: Diners Club Nacional - Internacional - Básica · Diners Club Unicef Nacional - Internacional · Diners Club Claro - Movistar · Diners Club AAdvantage - Club Miles · Sphaera AAdvantage - Miles · Mcnamara Club Miles - AAdvantage · Discover Me · Discover · Discover More · Discover Supermaxi · Discover Universidades · Discover UDLA · Discover PUCE · Discover UIDE · Gas Club · Freedom · Kids · Marathon Card · Giftcard · Prepaid · Supermaxi · Mi Comisariato · Corporativa Nacional · Internacional · Con y Sin Cupo · Básica · Corporativa Unicef Nacional e Internacional · Corporativa AAdvantage Nacional Plan 150, 350, 600 · Corporativa AAdvantage Internacional Plan 150, 350, 600 · Corporativa Club Miles Nacional Plan 150, 350 · Corporativa Club Miles Internacional Plan 150, 350 Gas Club con y sin Cupo · Gift Card y Prepaid Corporativo · Sphaera Reserve Corporate · Expenses Card · TITANIUM Euphoria, TITANIUM World Card, TITANIUM Platinum Miles · AAdvantage, TITANIUM Signature Miles · AAdvantage, TITANIUM Infinite Miles · AAdvantage · TITANIUM Corporate Internacional, TITANIUM Corporate Plan 150 Miles · AAdvantage, TITANIUM Corporate Plan 350 Miles · TITANIUM Corporate Expenses Card · TITANIUM Mastercard Platinum Miles · TITANIUM Mastercard Miles · TITANIUM Mastercard Black Miles · TITANIUM Mastercard Black Beyond Miles · TITANIUM Mastercard Black Beyond AAdvantage · TITANIUM Mastercard Business Miles · TITANIUM Business AAdvantage · TITANIUM Mastercard Corporate Miles · TITANIUM Corporate AAdvantage · Discover BSC · Discover Me BSC · Discover More BSC
Debit: TITANIUM Visa Debit Classic · TITANIUM Visa Debit Gold · TITANIUM Visa Debit Infinite · TITANIUM Visa Debit Platinum · TITANIUM Visa Debit Signature
Source: tarifario tasas multimarca octubre 2026, page 1 · downloaded October 23, 2026.
Earnings
Profit or loss for each year according to the Superintendencia de Bancos bulletins, since 2017. The latest year runs to the cut-off date.
| Year | Profit for the year | Before tax | On equity | On assets |
|---|---|---|---|---|
| 2026 (January to September)cut-off September 30, 2026 | 40.7 | 61.7 | 9.35% | 1.64% |
| 2025cut-off December 31, 2025 | 43.0 | 65.7 | 7.72% | 1.37% |
| 2024cut-off December 31, 2024 | 30.3 | 45.2 | 5.63% | 1.05% |
| 2023cut-off December 31, 2023 | 57.3 | 86.2 | 11.33% | 2.22% |
| 2022cut-off December 31, 2022 | 53.0 | 82.3 | 11.24% | 2.29% |
| 2021cut-off December 31, 2021 | 36.0 | 53.6 | 8.09% | 1.62% |
| 2020cut-off December 31, 2020 | 20.8 | 30.9 | 4.90% | 0.93% |
| 2019cut-off December 31, 2019 | 67.0 | 102.6 | 17.92% | 2.74% |
| 2018cut-off December 31, 2018 | 63.5 | 104.0 | 18.83% | 2.92% |
| 2017cut-off December 31, 2017 | 45.6 | 68.1 | 15.04% | 2.72% |
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Bancos Privados ↗ (monthly financial bulletin of private banks), income statement, line “Ganancia o (pérdida) del ejercicio” (profit or loss for the year). Figures as published, in millions of dollars.
Returns as the Superintendencia publishes them in the indicators sheet of the same bulletin: profit for the year over average equity and over average assets. They are stated on an annual basis, the current year included.
Investments
What the bank holds in securities, by accounting category and by issuer, at September 30, 2026. The bulletin does not say which securities or issuers; that is in each bank’s audited financial statements.
| Category | Private sector | State and public sector | Total | Of the portfolio | |
|---|---|---|---|---|---|
| At fair value through profit or loss | 0.0 | 0.0 | 0.0 | 0.00% | |
| Available for sale | 6.2 | 167.1 | 173.3 | 53.44% | |
| Held to maturity | 0.0 | 92.0 | 92.0 | 28.37% | |
| Restricted | — | — | 59.0 | 18.19% | |
| Gross portfolio | 6.2 | 259.2 | 324.3 | 100.00% | |
| Investment provision | 0.0 | ||||
| Net investments | 324.3 |
Investments by year
Investments at the end of each year, in millions of dollars; 2026 at September 30, 2026.
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Bancos Privados ↗ (monthly financial bulletin of private banks), balance sheet and financial indicators, cut-off September 30, 2026. Figures as published, in millions of dollars.
Balance sheet by year
Main balance sheet accounts at the end of each year since 2017, in millions of dollars, and its non-performing loan ratio. The latest year is at September 30, 2026.
| Year | Assets | Deposits | Loans | Investments | Equity | NPL ratio |
|---|---|---|---|---|---|---|
| September 30, 2026 | 3,364.9 | 1,828.8 | 2,507.0 | 324.3 | 576.2 | 5.49% |
| 2025 | 3,310.1 | 1,836.7 | 2,547.2 | 270.2 | 596.0 | 5.75% |
| 2024 | 3,036.7 | 1,636.1 | 2,359.7 | 220.6 | 563.6 | 5.98% |
| 2023 | 2,785.7 | 1,373.7 | 2,191.5 | 142.2 | 553.7 | 5.86% |
| 2022 | 2,434.0 | 1,216.4 | 1,979.2 | 166.7 | 519.7 | 3.83% |
| 2021 | 2,271.8 | 1,145.6 | 1,836.2 | 212.5 | 475.7 | 3.73% |
| 2020 | 2,233.8 | 1,215.7 | 1,753.1 | 220.3 | 446.3 | 4.59% |
| 2019 | 2,445.8 | 1,367.6 | 1,932.9 | 214.8 | 440.7 | 4.15% |
| 2018 | 2,171.4 | 1,094.7 | 1,727.7 | 146.2 | 400.4 | 3.57% |
| 2017 | 1,674.5 | 841.2 | 1,326.9 | 121.2 | 348.7 | 4.70% |
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Bancos Privados ↗ (monthly financial bulletin of private banks), balance sheet and financial indicators, cut-off September 30, 2026. Figures as published, in millions of dollars.
The full figures, with every investment account and the indicators, are in Open data (balance.csv).
The bank’s documents
Follow this bank’s rate changes in a feed reader with its Atom feed (in Spanish).
The official document prevails over what this site shows. If you find a difference, see the data status.