Overview
- The BCRA on Feb. 18 published a comparison table of 30‑day peso fixed‑term deposit rates, covering the largest deposit banks and options available to non‑clients online.
- Rates now vary widely by institution, with major banks typically offering 23%–27% TNA while several digital or alternative banks advertise TNAs above 30%.
- Banks consistently pay more for contracts done via homebanking or apps than in branches, with Banco Nación showing 20.5% TNA in‑branch versus 25% online for the same 30‑day term.
- Examples of higher online TNAs include 33.5% at Banco CMF, VOII and Banco de Comercio, 33.25% at Meridian and about 32% at Reba, compared with 25% at Nación and Provincia and 27% at Macro.
- Analyses indicate that earning ARS 500,000 per month in interest requires roughly ARS 18–25 million depending on the chosen TNA, while recent updates point to stabilization or slight one‑point trims at some banks.