Overview
- On January 8, the BCRA comparator shows major banks in the low‑to‑mid 20s TNA, including Banco Nación, Macro and ICBC at 23.5%, Credicoop at 23%, Provincia at 22%, and Santander, Galicia and BBVA at 21%, with Ciudad at 20.5%.
- Smaller and digital‑focused institutions advertise higher returns, with several listing 27%–28% and the top offer at 28.5% for non‑clients at Crédito Regional Compañía Financiera.
- Channel matters: banks pay more for online placements than in‑branch, with Banco Nación showing roughly 23.5% TNA online versus about 20.5% in branches for 30‑day deposits.
- Bank simulators indicate the large capital required for sizable monthly income, estimating about AR$14.9 million to earn AR$300,000 and roughly AR$29.8 million to earn AR$600,000 in 30 days at Banco Nación’s current online rate.
- Rates vary by institution since the BCRA removed the minimum floor, and savers are urged to weigh inflation, peso–dollar moves and the SEDESA deposit guarantee cap of AR$25,000,000 per person per bank.