Everyday services
Final fee including VAT that each bank publishes. Many charge the same because the Superintendencia de Bancos, Ecuador’s banking regulator, sets maximum fees for these services. Data from 17 banks.
| Service | Fee incl. VAT and banks |
|---|---|
| Transfer to another bank (SPI), online | |
| Transfer to another bank (SPI), at a branch | |
| Withdrawal at another bank’s ATM | |
| ATM withdrawal abroad | |
| ATM balance enquiry abroad | |
| Card purchase abroad, over $100 | |
| Transfer abroad, up to $1,000 | $56.97Diners Club del Ecuador |
| Transfer abroad, $1,000 to $5,000 | |
| Transfer abroad, over $10,000 | |
| Cash advance, fee per advance | $5.13Pichincha |
| Reloadable prepaid card · issue | |
| Prepaid card · annual service | $1.81Internacional |
Credit card cash advances
Fee including VAT for an advance of each amount, from the table each bank publishes. It is charged on top of the advance’s interest. “—” means the table does not go up to that amount.
| Bank | $100 | $500 | $1,000 | $5,000 |
|---|---|---|---|---|
| InternacionalBranch and online | $7.19 | $30.81 | $56.48 | — |
| InternacionalATM | $7.19 | $27.73 | — | — |
| InternacionalOnline | $6.16 | $28.75 | $51.34 | — |
| Diners Club del EcuadorBranch and online | $5.13 | $25.65 | $33.88 | $143.75 |
| LojaBy amount | $5.13 | $10.27 | $25.67 | $128.35 |
| PichinchaFlat fee per advance | $5.13 | $5.13 | $5.13 | $5.13 |
Credit card instalment purchases
Effective annual rate and weighting factor by term: total interest as a percentage of the amount paid in instalments. For example, with the 8.65% factor at 12 months that Internacional publishes, paying $1,000 in instalments adds $86.50 of interest. Banks work out the factor in slightly different ways, so it can vary with the same rate.
| Bank | Effective rate | 3 months | 6 months | 12 months | 24 months | 36 months |
|---|---|---|---|---|---|---|
| Pichincha | 16.77% | — | — | — | — | — |
| Internacional | 16.77% | 2.61% | 4.60% | 8.65% | 17.05% | — |
| Austro | 16.77% | 2.61% | 4.60% | 8.65% | 17.06% | 25.86% |
| BGR | — | — | — | 8.76% | 17.29% | — |
| Diners Club del Ecuador | 16.77% | 2.63% | 4.65% | 8.76% | 17.29% | 26.23% |
| Loja | 16.77% | 2.63% | 4.65% | 8.76% | 17.29% | 26.23% |
| Solidario | 16.75% | — | — | — | — | — |
Out-of-court collection
Fee including VAT for each overdue instalment, by the instalment amount and the days late. The 8 banks that publish this table in a readable format print the same values: Guayaquil, Internacional, Diners Club del Ecuador, Solidario, ProCredit, Amazonas, Desarrollo de los Pueblos and BanEcuador.
| Overdue instalment | 1 to 30 days | 31 to 60 days | 61 to 90 days | Over 90 days |
|---|---|---|---|---|
| Under $100 | $7.34 | $18.66 | $26.65 | $29.39 |
| $100 to $199 | $8.45 | $18.93 | $27.43 | $30.64 |
| $200 to $299 | $9.11 | $20.50 | $29.06 | $33.38 |
| $300 to $499 | $9.57 | $23.39 | $31.54 | $37.63 |
| $500 to $999 | $9.92 | $27.59 | $34.89 | $43.36 |
| Over $1000 | $10.21 | $33.10 | $39.11 | $50.59 |
Source: Tarifario tasas oct 26 ↗, page 2 · downloaded October 23, 2026.
Figures taken from each bank’s fee schedule; they are not a recommendation. Only rows we could read without ambiguity are included, so a bank that is missing may still charge for the service. Always check your bank’s fee schedule.