Overview
- The BCRA’s daily table for February 12–13 shows an average TNA near 25% for 30‑day deposits, a slight decline from roughly 26% a week earlier.
- Large banks cluster in the mid‑20s: Banco Nación and Provincia at 25%, Macro at 27%, Credicoop at 24%, and Santander, Galicia, BBVA, Ciudad and ICBC around 23%–23.5%.
- Smaller and digital institutions are quoting 30%+ to attract retail funds, with top offers around 33%–33.75% from Voii, CMF, Comercio, Meridian, Bica and Crédito Regional.
- Channel choice changes returns, with Banco Nación paying 25.0% via homebanking versus 20.5% in branches for a 30‑day plazo fijo.
- At a 25% TNA, $300,000 yields about $6,164 in 30 days and $5,000,000 earns roughly $102,740, according to bank simulators.