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3mo ago

Argentina’s 30-Day Fixed-Deposit Rates Steady but Split, BCRA Table Shows 20.5%–31% Offers

Savers find the highest nominal yields at smaller lenders, with online placements paying consistently above in-branch rates.

Una inversión de $100.000 en un plazo fijo puede dejar una ganancia interesante a un mes (Imagen ilustrativa).
Con una inversión de $280.000 en 30 días, el plazo fijo genera una ganancia concreta (Imagen ilustrativa).
Siguiendo la inversión correcta, el plazo fijo permite ganar $400.000 adicionales en poco tiempo (Imagen ilustrativa).
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Overview

  • The central bank removed the floor on peso fixed-term deposit rates in 2024 and now publishes a daily comparator of 30-day TNAs by bank.
  • Friday’s snapshots show major-bank offers clustered in the mid range, including Banco Macro at 27.5%, Banco Provincia at 25%, Banco Nación at 23.5% and Banco Ciudad at 20.5%.
  • Several smaller or digital-oriented institutions lead the market, with Banco de Comercio at 31% TNA and banks such as BICA, CMF, Meridian and VOII around 30%, many open to non-clients.
  • Banks pay more for digital placements than branch transactions; at Banco Nación, a 30-day deposit yields 23.5% TNA online versus 20.5% in person, with official simulators detailing returns.
  • Banco Nación simulator examples highlight required capital for monthly targets: roughly $34.8 million to earn about $700,000, $27.35 million for about $550,747 and $18.05 million for about $400,000 at current online rates.