{"id":482470,"date":"2026-08-11T08:19:23","date_gmt":"2026-08-11T08:19:23","guid":{"rendered":"https:\/\/www.europesays.com\/pt\/482470\/"},"modified":"2026-08-11T08:19:23","modified_gmt":"2026-08-11T08:19:23","slug":"29-depositos-que-batem-a-inflacao-em-agosto-2026","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/pt\/482470\/","title":{"rendered":"29 Dep\u00f3sitos que &#8220;batem&#8221; a Infla\u00e7\u00e3o em Agosto 2026"},"content":{"rendered":"<p>Segundo o INE, a taxa de varia\u00e7\u00e3o m\u00e9dia anual do \u00cdndice de Pre\u00e7os no Consumidor fixou-se em julho de 2026 nos 2,6%. Nesse mesmo m\u00eas de julho, fic\u00e1mos a saber que a infla\u00e7\u00e3o est\u00e1 a acelerar face \u00e0 m\u00e9dia, pois a varia\u00e7\u00e3o homologa (valor que compara julho de 2025 com julho de 2026) foi maior (3,0%) do que a m\u00e9dia anual (2,6%).<\/p>\n<p>Isto n\u00e3o nos diz muito sobre qual ser\u00e1 a infla\u00e7\u00e3o daqui a um ano, valor que seria relevante conhecer caso decid\u00edssemos hoje constituir um dep\u00f3sito a um ano.<\/p>\n<p>Porque \u00e9 que seria relevante? Porque<strong> a infla\u00e7\u00e3o diz-nos quanto \u00e9 que teremos de acrescentar ao pote de dinheiro que temos hoje, s\u00f3 para garantir que, daqui a um ano, conseguiremos comprar o mesmo cabaz de bens e servi\u00e7os que conseguimos comprar hoje<\/strong>.<\/p>\n<p>Concluindo esta conversa de econom\u00eas, o pressuposto que us\u00e1mos neste artigo foi o de assumir que a infla\u00e7\u00e3o para os pr\u00f3ximos 12 meses ser\u00e1 pr\u00f3xima dos 2,6% que se registaram nos \u00faltimos 12.<\/p>\n<ul>\n<li>Assim sendo, quantos dep\u00f3sitos a prazo dos 297 que identific\u00e1mos como estando a remunerar 1% ou mais de Taxa Anual Nominal Bruta (TANB) conseguem atingir ou superar os 2,6%?<\/li>\n<li>E quantos desses n\u00e3o se destinam exclusivamente a angariar novos clientes para um dado banco?<\/li>\n<\/ul>\n<p>Acima dos 2,6% de TANB identific\u00e1mos <strong>37 dep\u00f3sitos a prazo<\/strong> (ou certificados do tesouro). Mas, se eliminarmos da lista as ofertas promocionais associadas \u00e0 capta\u00e7\u00e3o de novos clientes, a <strong>oferta cai para 29 dep\u00f3sitos a prazo<\/strong>.<\/p>\n<p>Quais s\u00e3o os 29 Dep\u00f3sitos com Juros acima da Infla\u00e7\u00e3o em Agosto 2026?<\/p>\n<p>Eis alguns detalhes. Destes 29 dep\u00f3sitos, apenas 8 s\u00e3o exatamente dep\u00f3sitos a um ano, sete s\u00e3o dep\u00f3sitos a 2 ou mais anos (incluindo aqui os certificados do tesouro) e os restantes 14 s\u00e3o dep\u00f3sitos com maturidades entre os tr\u00eas e os seis meses. Outra caracter\u00edstica \u00e9 que estes 29 dep\u00f3sitos, na realidade, s\u00e3o oferecidos por apenas cinco bancos, e tr\u00eas deles nem s\u00e3o efetivamente dep\u00f3sitos, mas s\u00e3o antes \u201cfatias\u201d dos certificados do tesouro, que s\u00e3o compar\u00e1veis a dep\u00f3sitos com maturidades de 1 a 10 anos.<\/p>\n<p><strong>A m\u00e1 not\u00edcia \u00e9 que nenhum dos 29 dep\u00f3sitos, descontados os 28% de IRS sobre os respetivos juros, consegue oferecer uma taxa de juro anual efetiva que atinja os 2,6%.<\/strong> Apenas seis conseguem superar um juro l\u00edquido de 2%.<\/p>\n<p>Mas quais s\u00e3o esses 29 dep\u00f3sitos? Eis a lista em baixo.<\/p>\n<p>Poder\u00e1 encontrar muito mais informa\u00e7\u00e3o sobre estes mesmos dep\u00f3sitos e os restantes 297, mais os certificados, no Excel, com o comparativo de agosto de 2026 com os <a href=\"https:\/\/economiafinancas.com\/taxas-de-juro-depositos-a-prazo\/\" target=\"_blank\" rel=\"noopener nofollow\"><strong>melhores dep\u00f3sitos a prazo<\/strong><\/a>.<\/p>\n<tr>\n<td width=\"11%\"><strong>Banco<\/strong><\/td>\n<td width=\"7%\"><strong>Prazo<\/strong><\/td>\n<td width=\"8%\"><strong>Dias \/meses \/anos<\/strong><\/td>\n<td width=\"35%\"><strong>Nome do dep\u00f3sito<\/strong><\/td>\n<td width=\"7%\"><strong>TANB<\/strong><\/td>\n<td width=\"7%\"><strong>TANL<\/strong><\/td>\n<td width=\"10%\"><strong>Dep\u00f3sito m\u00ednimo<\/strong><\/td>\n<td width=\"10%\"><strong>Dep\u00f3sito m\u00e1ximo<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Banco CTT<\/strong><\/td>\n<td width=\"7%\">3<\/td>\n<td width=\"8%\">meses<\/td>\n<td width=\"35%\">Dep\u00f3sitos \u00e0 Ordem \u2013 Poupan\u00e7a Livre<\/td>\n<td width=\"7%\"><strong>3,00<\/strong><\/td>\n<td width=\"7%\"><strong>2,160<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">5 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">1<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">HB Investe Sem Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,85<\/strong><\/td>\n<td width=\"7%\"><strong>2,052<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Banco Portugu\u00eas de Gest\u00e3o<\/strong><\/td>\n<td width=\"7%\">3<\/td>\n<td width=\"8%\">meses<\/td>\n<td width=\"35%\">BPG Start<\/td>\n<td width=\"7%\"><strong>2,85<\/strong><\/td>\n<td width=\"7%\"><strong>2,052<\/strong><\/td>\n<td width=\"10%\">2 500<\/td>\n<td width=\"10%\">100 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">1<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">HB Sem Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,80<\/strong><\/td>\n<td width=\"7%\"><strong>2,016<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">6<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Investe Sem Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,80<\/strong><\/td>\n<td width=\"7%\"><strong>2,016<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">1<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">HB Investe Com Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,80<\/strong><\/td>\n<td width=\"7%\"><strong>2,016<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Finantia<\/strong><\/td>\n<td width=\"7%\">2<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">Vis\u00e3o<\/td>\n<td width=\"7%\"><strong>2,75<\/strong><\/td>\n<td width=\"7%\"><strong>1,980<\/strong><\/td>\n<td width=\"10%\">50 000<\/td>\n<td width=\"10%\">500 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Finantia<\/strong><\/td>\n<td width=\"7%\">2<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">Vis\u00e3o<\/td>\n<td width=\"7%\"><strong>2,75<\/strong><\/td>\n<td width=\"7%\"><strong>1,980<\/strong><\/td>\n<td width=\"10%\">50 000<\/td>\n<td width=\"10%\">500 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">6<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Sem Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,75<\/strong><\/td>\n<td width=\"7%\"><strong>1,980<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">1<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">HB Com Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,75<\/strong><\/td>\n<td width=\"7%\"><strong>1,980<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">3<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Investe Sem Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,75<\/strong><\/td>\n<td width=\"7%\"><strong>1,980<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">6<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Investe Com Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,75<\/strong><\/td>\n<td width=\"7%\"><strong>1,980<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">1<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">HB Sem Mobiliza\u00e7\u00e3o<\/td>\n<td width=\"7%\"><strong>2,75<\/strong><\/td>\n<td width=\"7%\"><strong>1,980<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">2<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">HB Sem Mobiliza\u00e7\u00e3o<\/td>\n<td width=\"7%\"><strong>2,75<\/strong><\/td>\n<td width=\"7%\"><strong>1,980<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>IGCP<\/strong><\/td>\n<td width=\"7%\">10<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">Certificados do Tesouro S\u00e9rie 5<\/td>\n<td width=\"7%\"><strong>2,71<\/strong><\/td>\n<td width=\"7%\"><strong>1,951<\/strong><\/td>\n<td width=\"10%\">1 000<\/td>\n<td width=\"10%\">1 000 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Finantia<\/strong><\/td>\n<td width=\"7%\">1<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">Jump 12 meses<\/td>\n<td width=\"7%\"><strong>2,70<\/strong><\/td>\n<td width=\"7%\"><strong>1,944<\/strong><\/td>\n<td width=\"10%\">50 000<\/td>\n<td width=\"10%\">500 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">3<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Sem Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,70<\/strong><\/td>\n<td width=\"7%\"><strong>1,944<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">6<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Com Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,70<\/strong><\/td>\n<td width=\"7%\"><strong>1,944<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">3<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Investe Com Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,70<\/strong><\/td>\n<td width=\"7%\"><strong>1,944<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">6<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Sem Mobiliza\u00e7\u00e3o<\/td>\n<td width=\"7%\"><strong>2,70<\/strong><\/td>\n<td width=\"7%\"><strong>1,944<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">1<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">HB Com Mobiliza\u00e7\u00e3o<\/td>\n<td width=\"7%\"><strong>2,70<\/strong><\/td>\n<td width=\"7%\"><strong>1,944<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">2<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">HB Com Mobiliza\u00e7\u00e3o<\/td>\n<td width=\"7%\"><strong>2,70<\/strong><\/td>\n<td width=\"7%\"><strong>1,944<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Banco Portugu\u00eas de Gest\u00e3o<\/strong><\/td>\n<td width=\"7%\">1<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">BPG Save<\/td>\n<td width=\"7%\"><strong>2,70<\/strong><\/td>\n<td width=\"7%\"><strong>1,944<\/strong><\/td>\n<td width=\"10%\">5 000<\/td>\n<td width=\"10%\">250 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Finantia<\/strong><\/td>\n<td width=\"7%\">6<\/td>\n<td width=\"8%\">meses<\/td>\n<td width=\"35%\">Jump 6 meses<\/td>\n<td width=\"7%\"><strong>2,65<\/strong><\/td>\n<td width=\"7%\"><strong>1,908<\/strong><\/td>\n<td width=\"10%\">50 000<\/td>\n<td width=\"10%\">500 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">3<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Com Mobiliza\u00e7\u00e3o DECO Protest<\/td>\n<td width=\"7%\"><strong>2,65<\/strong><\/td>\n<td width=\"7%\"><strong>1,908<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">3<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Sem Mobiliza\u00e7\u00e3o<\/td>\n<td width=\"7%\"><strong>2,65<\/strong><\/td>\n<td width=\"7%\"><strong>1,908<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>Haitong Bank Portugal<\/strong><\/td>\n<td width=\"7%\">6<\/td>\n<td width=\"8%\">Meses<\/td>\n<td width=\"35%\">HB Com Mobiliza\u00e7\u00e3o<\/td>\n<td width=\"7%\"><strong>2,65<\/strong><\/td>\n<td width=\"7%\"><strong>1,908<\/strong><\/td>\n<td width=\"10%\">\u2013<\/td>\n<td width=\"10%\">\u2013<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>IGCP<\/strong><\/td>\n<td width=\"7%\">9<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">Certificados do Tesouro S\u00e9rie 5<\/td>\n<td width=\"7%\"><strong>2,64<\/strong><\/td>\n<td width=\"7%\"><strong>1,901<\/strong><\/td>\n<td width=\"10%\">1 000<\/td>\n<td width=\"10%\">1 000 000<\/td>\n<\/tr>\n<tr>\n<td width=\"11%\"><strong>IGCP<\/strong><\/td>\n<td width=\"7%\">8<\/td>\n<td width=\"8%\">ano(s)<\/td>\n<td width=\"35%\">Certificados do Tesouro S\u00e9rie 5<\/td>\n<td width=\"7%\"><strong>2,61<\/strong><\/td>\n<td width=\"7%\"><strong>1,879<\/strong><\/td>\n<td width=\"10%\">1 000<\/td>\n<td width=\"10%\">1 000 000<\/td>\n<\/tr>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Segundo o INE, a taxa de varia\u00e7\u00e3o m\u00e9dia anual do \u00cdndice de Pre\u00e7os no Consumidor fixou-se em julho&hellip;\n","protected":false},"author":2,"featured_media":482471,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[83],"tags":[88,24795,89,90,1215,77268,72017,32,33],"class_list":["post-482470","post","type-post","status-publish","format-standard","has-post-thumbnail","category-empresas","tag-business","tag-comparativo-de-depositos-a-prazo","tag-economy","tag-empresas","tag-inflacao","tag-inflacao-2026","tag-melhores-taxas-de-juro","tag-portugal","tag-pt"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@pt\/117075899954280728","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/posts\/482470","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/comments?post=482470"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/posts\/482470\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/media\/482471"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/media?parent=482470"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/categories?post=482470"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/pt\/wp-json\/wp\/v2\/tags?post=482470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}