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Investments

Fiducuenta

Account liquidity with fund yield.

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Fiducuenta
I want it

Choose your Fiducuenta by permanence

Longer permanence, better rate. Choose how you prefer to invest.

Recommended

No Permanence

7.5% EAR total liquidity
  • Withdraw anytime without penalty
  • Daily cumulative yield
  • No minimum contribution
  • Free transfers to other accounts
Cash surpluses for immediate use.
I want it

3-month Permanence

8.5% EAR moderate liquidity
  • Better rate with minimum permanence
  • Early withdrawal with 20% penalty
  • Optional auto renewal
Surpluses you don't need in next 90 days.
I want it

12-month Permanence

10.2% EAR best rate
  • The highest Fiducuenta rate
  • Monthly capitalized yield
  • No penalty if you keep 12 months
  • Ideal for programmed savings
Savings you won't touch in the next year.
I want it
Benefits

What does it offer?

Expected yield 8-9% EAR

Immediate withdrawals 24/7

No minimum or permanence

Managed as an account from the app

Free transfers to other accounts

Ideal for

Those wanting immediate liquidity without sacrificing yield.

Interested?

Write to us and an advisor will get in touch.

Request more information
Requirements to get it

Requirements to obtain it

Requisitos para abrir tu FiduCuenta a la vista.

Membership as a partner

  • Original valid national ID card (or foreigner ID for non-Colombians).
  • Be of legal age (18+) to hold the product.
  • Fill in the single INOVACOOP membership form.
  • Personal-data handling authorization (Law 1581/2012).
  • Authorization to consult and report to credit bureaus.
  • Payment of the minimum membership social contribution.

General investment requirements

  • Valid original ID of the primary investor.
  • Investor profile form (Superfinanciera Circular 100).
  • SARLAFT + FATCA/CRS + source-of-funds declaration.
  • Active savings or checking account at INOVACOOP for debits and credits.

Specific requirements: FiduCuenta

  • Minimum opening amount from $100.000 COP.
  • Daily yields automatically reinvested.
  • Unlimited contributions and withdrawals with no penalty.
Documents must be current and original. INOVACOOP may request additional information based on credit or risk analysis for the product.
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