{"id":5339,"date":"2026-11-04T09:14:11","date_gmt":"2026-11-04T15:14:11","guid":{"rendered":"https:\/\/blog.nu.com\/sin-categoria\/what-is-apy-and-what-does-paid-daily-actually-mean\/"},"modified":"2026-11-04T09:18:43","modified_gmt":"2026-11-04T15:18:43","slug":"what-is-apy-and-what-does-paid-daily-actually-mean","status":"publish","type":"post","link":"https:\/\/blog.nu.com\/es\/para-ti\/ganar\/what-is-apy-and-what-does-paid-daily-actually-mean\/","title":{"rendered":"Qu\u00e9 es el APY y qu\u00e9 significa realmente \u00abpagado a diario\u00bb"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">El significado del APY en palabras simples<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">APY significa <em>annual percentage yield<\/em> (rendimiento porcentual anual). Muestra cu\u00e1nto gana un saldo en un a\u00f1o, incluida la capitalizaci\u00f3n. En Am\u00e9rica Latina suele llamarse tasa anual efectiva, rendimiento anual o GAT (M\u00e9xico).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una tasa simple solo cuenta lo que gana tu monto inicial. Por eso, el APY suele superar un poco la tasa anunciada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.varomoney.com\/money-101\/banking\/difference-between-apr-vs-apy\/\">Capitalizar significa que tus rendimientos tambi\u00e9n empiezan a generar rendimientos<\/a>. \u00abPagado a diario\u00bb indica cada cu\u00e1nto llegan los rendimientos a tu saldo. Ese ritmo permite que se capitalicen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo funcionan el APY, la capitalizaci\u00f3n y los pagos diarios<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">APY vs. inter\u00e9s simple<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Usemos un mismo saldo: 10,000 al 3.5%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con inter\u00e9s simple, ganas 350 en un a\u00f1o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con capitalizaci\u00f3n diaria, el APY sube a cerca de 3.56%. Son unos 356 al a\u00f1o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator\">La f\u00f3rmula<\/a> es APY = (1 + r\/n)^n \u2212 1. Aqu\u00ed, r es la tasa anual y n, los per\u00edodos de capitalizaci\u00f3n por a\u00f1o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El APY incluye las ganancias sobre las ganancias. Por eso es la cifra m\u00e1s justa para comparar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Por qu\u00e9 importa la frecuencia de pago<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dos frecuencias definen tus rendimientos. La <a href=\"https:\/\/www.creditkarma.com\/investments\/i\/compound-interest-accounts\">frecuencia de capitalizaci\u00f3n<\/a> indica cada cu\u00e1nto se suman y empiezan a generar m\u00e1s. La frecuencia de abono indica cu\u00e1ndo puedes verlos y usarlos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No siempre coinciden. <a href=\"https:\/\/www.finder.com\/savings-accounts\/savings-account-compound-interest\">Muchas cuentas capitalizan a diario, pero abonan los rendimientos cada mes<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al 3.5% sobre 10,000, la capitalizaci\u00f3n diaria da cerca de 356.18 al a\u00f1o. La mensual, cerca de 355.67. La diferencia: unos 0.50 al a\u00f1o. Peque\u00f1a, pero real.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La mayor ventaja del abono diario es el acceso. Puedes gastar o mover tus rendimientos el d\u00eda que llegan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00f3mo comparar ofertas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de elegir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compara APY con APY, no una tasa con un APY. La APR es distinta: es lo que pagas por pedir prestado.<\/li>\n\n\n\n<li>Revisa si la tasa es \u00abhasta\u00bb, promocional o variable, y qu\u00e9 la activa.<\/li>\n\n\n\n<li>Revisa cada cu\u00e1nto se abonan los rendimientos.<\/li>\n\n\n\n<li>Busca plazos forzosos, per\u00edodos de aviso y penalizaciones por retiro.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankrate.com\/banking\/savings\/best-high-yield-interests-savings-accounts\/\">Busca comisiones o montos m\u00ednimos<\/a> que reduzcan lo que conservas.<\/li>\n\n\n\n<li><a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-eliminates-currency-spread-for-the-ultravioleta-global-account-and-reimburses-customers-affected-by-temporary-increase-in-iof\/\">Revisa la moneda<\/a>, porque el rendimiento depende de su moneda.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As\u00ed se ve en la pr\u00e1ctica. Con <a href=\"https:\/\/international.nubank.com.br\/about\/\">Nu Global<\/a>, <a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-announces-money-boxes-a-new-feature-in-the-app-to-save-money-in-a-personalized-way-and-with-varied-yields\/\">tu saldo trabaja para ti<\/a>. Ganas hasta 3.5% en <a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-expands-cryptocurrency-platform-portfolio\/\">d\u00f3lares digitales (USDC)<\/a> y 2.2% en euros digitales (EURC). Los rendimientos se calculan seg\u00fan cu\u00e1nto mantienes y por cu\u00e1nto tiempo, y se abonan a diario.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No hay plazo forzoso, per\u00edodo de aviso, penalizaci\u00f3n por retiro anticipado ni comisi\u00f3n para generarlos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compara ofertas por APY y luego revisa el acceso<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Usa el APY para comparar ofertas. La frecuencia de pago cambia un poco las cifras. Pero cambia mucho tu acceso. Y siempre lee el \u00abhasta\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu saldo en Nu Global trabaja para ti desde el primer d\u00eda, en d\u00f3lares digitales o euros digitales. <a href=\"https:\/\/international.nubank.com.br\/\">M\u00e1s informaci\u00f3n<\/a> sobre c\u00f3mo funciona Earn en tu <a href=\"https:\/\/international.nubank.com.br\/consumers\/nubank-ultravioleta-enters-the-travel-segment-with-the-launch-of-global-account-for-customers\/\">Cuenta Multimoneda<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Descubre qu\u00e9 es el APY, c\u00f3mo influye la capitalizaci\u00f3n y por qu\u00e9 el rendimiento pagado a diario te da m\u00e1s acceso. Compara ofertas con claridad y elige mejor.<\/p>\n","protected":false},"author":16,"featured_media":5300,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"featured_image_mobile":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[125,124],"tags":[],"class_list":["post-5339","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ganar","category-para-ti"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>APY: qu\u00e9 es y c\u00f3mo funciona el rendimiento pagado a diario<\/title>\n<meta name=\"description\" content=\"Descubre qu\u00e9 es el APY, c\u00f3mo influye la capitalizaci\u00f3n y por qu\u00e9 el rendimiento pagado a diario te da m\u00e1s acceso. 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