Overview
- Fresh BCRA data for Friday, February 6 shows large banks clustering around mid‑20% TNAs, including Banco Nación at 26%, Banco Macro at 27%, and Santander, BBVA and Galicia near 23–24%.
- Smaller banks and financial firms are advertising markedly higher TNAs for non‑clients, led by Crédito Regional Compañía Financiera at 33.75%, Banco de Comercio and Banco Voii at 33.5%, and Meridian at 33.25%.
- The regulator’s online comparator enables savers to check daily 30‑day rates and place ‘Plazo Fijo Digital’ deposits as non‑clients, with funds auto‑returned to the original account at maturity.
- Online placements typically pay more than in‑branch operations, with Banco Nación listing 26.0% via homebanking versus roughly 20.5–21.5% at the counter.
- Media calculators illustrate the impact of rate dispersion, with examples showing higher monthly pesos earned at 32–33.5% versus 23% and Banco Nación’s simulator quantifying required principal for target returns.