Overview
- Major lenders, which kept rates steady on Friday, now pay roughly 21%–25% nominal annual on 30‑day time deposits after cuts of about 1 to 4 points this week.
- Smaller and digital banks advertise higher yields near 28%–30% TNA, and several pay more for online placements, with Banco Nación listing about 20.5% in-branch versus 23% through home banking.
- With recent monthly inflation near 2.9%, the new offers translate into negative real returns, and analysts warn that savers could shift into dollars or inflation‑linked assets if this gap holds.
- The central bank ended the floor on deposit rates in 2024 and now posts a daily bank‑by‑bank table, which has exposed wide differences and pushed customers to compare offers and channels.
- Media guides highlight alternatives that track prices or pay in dollars, such as CER bond funds, Lecer treasury bills, and YPF corporate notes, reflecting a search for protection of purchasing power.