2 changes since the previous update.
Term deposits
For a $10,000 deposit with interest at maturity: the best nominal annual rate each bank publishes for each term. Banks with a rate for that amount and term.
| Term | Banks | Highest rate | Median | Lowest |
|---|---|---|---|---|
| 30 days | 8 | 3.80%Loja | 3.00% | 0.15% |
| 60 days | 19 | 3.90%Guayaquil | 3.20% | 2.00% |
| 90 days | 19 | 4.10%Capital | 3.45% | 2.00% |
| 120 days | 19 | 4.30%Loja and Capital | 3.75% | 2.90% |
| 180 days | 19 | 4.50%Atlántida and Capital | 4.05% | 3.00% |
| 270 days | 20 | 5.00%Capital | 4.38% | 3.25% |
| 360 days | 20 | 5.30%VisionFund Ecuador | 4.53% | 3.25% |
| 540 days | 18 | 5.50%VisionFund Ecuador and Capital | 5.10% | 3.50% |
| 720 days | 18 | 6.00%Capital | 5.23% | 3.50% |
Instant-access savings accounts
Nominal annual rate of the tier that covers each balance. Accounts with a tier covering that balance.
Loans
Published effective annual rate against the legal maximum rate of each segment. A product is at the maximum when its rate equals the limit.
| Segment | Legal maximum | Banks | Lowest effective rate | Products at the maximum |
|---|---|---|---|---|
| Social and public-interest housing | 4.99% | 3 | 4.99%Pichincha, Internacional and Austro | 3 of 3 |
| Retail microcredit | 28.23% | 8 | 20.58%ProCredit | 6 of 8 |
| Simple-accumulation microcredit | 24.89% | 6 | 24.79%VisionFund Ecuador | 5 of 6 |
| Extended-accumulation microcredit | 22.05% | 5 | 22.05%Produbanco, Internacional, Austro, Diners Club del Ecuador and Comercial de Manabí | 5 of 5 |
| Real estate (housing) | 9.15% | 7 | 9.15%Pichincha, Internacional, Austro, Diners Club del Ecuador, Loja, ProCredit and Desarrollo de los Pueblos | 7 of 7 |
| Consumer | 16.77% | 10 | 10.25%BanEcuador | 8 of 11 |
| Microcredit: public-bank programmes | — | 1 | 7.23%BanEcuador | — |
Against inflation and the Banco Central
The banks’ rates as an effective annual rate, to compare them with the reference rates the Banco Central del Ecuador publishes, and their real return after inflation.
Term deposits, $10,000
| Term | Best, effective | Median, effective | BCE reference | Best, real |
|---|---|---|---|---|
| 30 days | 3.92%Loja | 3.08% | 4.03%30 to 60 days | 2.55% |
| 60 days | 4.02%Guayaquil | 3.29% | 4.03%30 to 60 days | 2.64% |
| 90 days | 4.22%Capital | 3.54% | 4.40%61 to 90 days | 2.84% |
| 120 days | 4.42%Loja | 3.85% | 4.41%91 to 120 days | 3.04% |
| 180 days | 4.62%Atlántida | 4.15% | 4.46%121 to 180 days | 3.23% |
| 270 days | 5.10%Capital | 4.46% | 5.09%181 to 360 days | 3.71% |
| 360 days | 5.38%VisionFund Ecuador | 4.59% | 5.09%181 to 360 days | 3.98% |
| 540 days | 5.50%VisionFund Ecuador | 5.11% | 6.26%361 days and more | 4.11% |
| 720 days | 5.91%Capital | 5.17% | 6.26%361 days and more | 4.51% |
Instant-access savings with a $10,000 balance: the best account yields 5.85% effective (median 1.26%); the BCE’s reference for savings deposits is 1.55%, and with inflation at 1.34% the best yields 4.45% real.
Loans
| Segment | Lowest published rate | BCE reference | Legal maximum |
|---|---|---|---|
| Social and public-interest housing | 4.99%Pichincha, Internacional and Austro | 4.99% | 4.99% |
| Retail microcredit | 20.58%ProCredit | 19.65% | 28.23% |
| Simple-accumulation microcredit | 24.79%VisionFund Ecuador | 20.74% | 24.89% |
| Extended-accumulation microcredit | 22.05%Produbanco, Internacional, Austro, Diners Club del Ecuador and Comercial de Manabí | 18.53% | 22.05% |
| Real estate (housing) | 9.15%Pichincha, Internacional, Austro, Diners Club del Ecuador, Loja, ProCredit and Desarrollo de los Pueblos | 8.55% | 9.26% |
| Consumer | 10.25%BanEcuador | 15.74% | 16.77% |
Effective annual rates. The BCE’s reference is the weighted average of the loans the whole financial system granted in each segment; the lowest published rate comes from the fee schedules we read.
References: Banco Central del Ecuador, effective interest rates for September 2026 ↗ · inflation: INEC, Consumer Price Index ↗, annual change to September 2026.
A term deposit’s effective equivalent assumes interest paid at maturity on a 360-day year, as banks work it out; a savings account’s assumes monthly compounding.
Bank health: capital, non-performing loans, returns and liquidity →
Card fees
Fees including VAT that banks publish for each service.
| Service | Banks | Lowest fee | Highest fee |
|---|---|---|---|
| Credit card · card issue (chip) | 8 | $0.00 | $5.03 |
| Credit card · card renewal | 5 | $5.03 | $5.03 |
| Credit card · replacement after loss or theft | 1 | $5.03 | $5.03 |
| Credit card · membership | 1 | $0.00 | $0.00 |
| Debit card · card issue (chip) | 12 | $3.45 | $5.03 |
| Debit card · card renewal | 8 | $4.37 | $5.03 |
| Debit card · annual service | 10 | $1.57 | $1.81 |
| Debit card · replacement after loss or theft | 3 | $4.37 | $5.03 |
Reference figures taken from each bank’s documents; they are not a recommendation. Banks without data are left out: see the status by bank. The full data is in Open data.