Guardadito Banco Azteca: Todo lo Que Necesitas Saber

Guardadito Banco Azteca es un servicio de ahorro a plazo fijo ofrecido por Banco Azteca, una institución financiera mexicana.

Puedes abrir un guardadito con una cantidad mínima de $100 y una cantidad máxima de $10,000.

El guardadito tiene una duración mínima de 30 días y una duración máxima de 12 meses.

El interés anual de un guardadito Banco Azteca puede variar dependiendo del monto y la duración del ahorro.

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Guardadito Banco Azteca es una cuenta de depósito que te permite realizar transacciones diarias sin la necesidad de manejar efectivo.

La cuenta Guardadito de Banco Azteca ofrece sin cobro de comisiones por manejo de cuenta ni saldos mínimos. Tu dinero siempre está disponible para cuando lo necesites.

Con la cuenta Guardadito, puedes recibir depósitos en efectivo y transferencias electrónicas. También puedes acceder a la Banca por Internet y Banco Azteca Móvil para realizar tus transacciones de forma cómoda, sencilla y rápida.

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La tarjeta de débito asociada a la cuenta Guardadito te permite retirar efectivo en cajeros automáticos de Banco Azteca sin costo. Además, puedes pagar con tu tarjeta Guardadito en miles de establecimientos en México gracias al respaldo de VISA y MasterCard.

La cuenta Guardadito no exige un promedio de saldo mínimo mensual ni se cobran comisiones de mantenimiento. Puedes utilizar la cuenta para acceder a otros productos de crédito, inversiones a plazo y servicios que ofrece Banco Azteca.

Aquí te presentamos algunos de los beneficios y características de la cuenta Guardadito:

To open a Guardadito account with Banco Azteca, you'll need to meet some basic requirements. The minimum amount to open an account is just $1 peso.

You must be a Mexican national or resident, at least 18 years old, and have a valid official ID, such as an IFE/INE or passport. Additionally, you'll need a utility bill or other proof of residence that's no more than 3 months old.

To summarize the requirements, here's a quick rundown:

To open a Banco Azteca Guardadito account, you'll need to meet the bank's requirements.

The minimum amount to open an account is just $1 peso, making it accessible to anyone.

You must be a Mexican national or resident, or a foreigner with a valid Mexican address.

You'll need to be at least 18 years old to apply.

To verify your identity, you'll need to present a valid official ID, such as an IFE/INE or passport.

You'll also need to provide a utility bill or other document proving your address, dated within the last 3 months.

Here are the specific requirements to open a Banco Azteca Guardadito account:

These requirements are straightforward and easy to meet, making it simple to open a Banco Azteca Guardadito account.

To give up your Guardadito card, you can simply call the number 55 5447 8810.

The customer service team will be available to assist you from 9:00 AM to 9:00 PM.

You can reach them at this number and they'll be happy to help you through the process.

You can manage your Guardadito account from the comfort of your own home, or even on the go, using the Banco Azteca app. This app is available for both Android and iOS devices.

To access your account, simply download the app and log in with your credentials. From there, you can view your account balance, make transactions, and even pay bills. The app is user-friendly and allows you to manage your finances 24/7.

Here are some of the features you can expect from the app:

The app has a high rating of 4.7 stars on both Google Play and the App Store, indicating that users are satisfied with its features and user experience.

You can manage your Guardadito account entirely from your smartphone or the Banco Azteca website, without any additional fees or complicated procedures.

To administer your account, you can access tools for managing your money, perform transactions 24/7, and make transfers between your own accounts or to other banks.

You can also use the app to recharge airtime, pay services like water, electricity, and phone bills, and make payments using a QR code.

Here are some ways to manage your account from the app:

• Make transfers to other accounts or between your own accounts

• Recharge airtime

• Pay services like water, electricity, and phone bills

• Make payments using a QR code

• Withdraw cash without a card

The app is available for both Android and iOS devices, and has an average rating of 4.7 stars on the Google Play and App Store stores.

You can download the app and start managing your account today.

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Having extra cards on your account can be super helpful, especially if you have family members or a partner who need access to your money. You can request up to 2 additional debit cards with the Guardadito card.

Each additional card costs 51.73 pesos, which might be a small price to pay for the convenience. This way, you can manage your finances with your loved ones more easily.

With these extra cards, they can use the money in your account to make purchases at stores or withdraw cash from ATMs or bank branches. This can be a big help in managing your finances together.

You can deposit and withdraw money from your Guardadito Banco Azteca account in various ways. You can withdraw money from any Banco Azteca ATM without any additional cost.

You can also make withdrawals at Banco Azteca's affiliated banks, such as BanBajío, Afirme, Mifel, and Multiva.

Additionally, you can make withdrawals at Banco Azteca's corresponsales, including Telecomm, Chedraui, Soriana, and Waldos, but these may have a commission ranging from 4 to 43 pesos, depending on the operation.

If you open your Guardadito account digitally, you'll have a monthly deposit limit of 3,000 UDIS (around 23,000 pesos), but you can increase this limit by filling out a form with personal data and verifying your identity with a selfie.

You can also deposit money into your Guardadito account at any of Banco Azteca's over 2,000 ATMs, or at its affiliated banks and corresponsales. However, some of these may charge a commission for the service.

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Here's a list of some of the places where you can deposit and withdraw money from your Guardadito account:

Note that you can also generate a QR code to withdraw money from a Banco Azteca ATM without using your card.

There are fees associated with opening a Guardadito account at Banco Azteca. These fees include a $50 MXN fee for replacing a lost or stolen card, a $5 MXN fee for each SPEI transfer, and a $3 MXN fee for scheduled transfers.

If you don't use your Guardadito account for six months, you'll be charged a $60 MXN fee. You can also expect to pay a $10 MXN monthly fee for inactivity.

Some fees are waived, though. For example, there's no management fee or minimum balance requirement for Guardadito accounts. You can also make withdrawals and deposits without incurring additional costs at Banco Azteca's ATMs.

If you're opening a Guardadito account at Banco Azteca, be aware that there are associated fees.

One of the fees you'll encounter is for the reposición de tarjeta, which costs $50 MXN.

Additionally, there's a fee for every SPEI (transferencia electrónica) you make, which is $5 MXN per transaction.

You'll also be charged $3 MXN for transferencias programadas.

Lastly, if your account remains inactive for six months or more, you'll be charged a $60 MXN fee.

Here's a summary of the fees associated with opening a Guardadito account at Banco Azteca:

The comisiones, or fees, associated with Guardadito Banco Azteca are relatively straightforward. One of the main advantages of this account is that it doesn't charge comisiones for manejo de cuenta, or account management, and it doesn't require a saldo mínimo, or minimum balance.

However, if you don't use your account for six months consecutivos, you'll be charged a comisión por inactividad of $10 MXN per month. This is a good reminder to keep your account active to avoid any unnecessary fees.

The comisiones for using your tarjeta Guardadito are also relatively low. In fact, the card doesn't have any costo por administración, or administrative fees, and it doesn't require a monthly minimum balance. But, if you don't use your card for six months, you'll be charged a comisión por inactividad of $10 MXN per month.

Here's a summary of the comisiones you might incur with Guardadito Banco Azteca:

Overall, the comisiones associated with Guardadito Banco Azteca are relatively low and easy to understand. Just remember to keep your account and card active to avoid any unnecessary fees!

If you're considering opening a Guardadito account at Banco Azteca, you should know that there are some associated fees to be aware of. The initial cost of opening the account isn't specified, but we do know that there's a fee for replacing a lost or stolen card, which is $50 MXN.

Some of the fees associated with the Guardadito account include:

Additionally, if you want to personalize your Guardadito card, it'll cost you $99 MXN. This is a one-time fee, and it's a good idea to factor it into your overall costs when deciding whether or not to open the account.

Your savings in Guardadito are protected by the Instituto para la Protección al Ahorro Bancario (IPAB), which covers up to 400 mil UDIs (approximately 3 million pesos).

The IPAB is a government-backed institution that safeguards your deposits in case the bank goes out of business or declares bankruptcy.

Guardadito is specifically protected by the IPAB up to a maximum amount of 400 mil UDIs, per person, per bank.

This means that even if Banco Azteca were to disappear or go bankrupt, the IPAB could return your money to you, as long as it doesn't exceed the protected amount.

Having this protection in place can give you peace of mind and confidence in keeping your savings in Guardadito.

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What is Guardadito Banco Azteca?

Guardadito Banco Azteca is a savings account designed for minors in Mexico.

How does it work?

It's a special account that allows parents or guardians to manage their child's savings.

What are the benefits?

You can earn interest on your savings and have access to online banking services.

What are the requirements?

You'll need to provide identification for the child and the account holder.

How do I open an account?

You can visit a Banco Azteca branch with the required documents.

Can I add or remove beneficiaries?

Yes, you can modify the account details as needed.

What are the fees?

There are no monthly maintenance fees for this account type.

Can I withdraw money?

Yes, you can withdraw cash from an ATM or bank branch.