Overview
- On March 20, large banks list mid‑20% TNAs for 30 days, including Banco Macro at 26%, Provincia at 25%, Nación at 23%, BBVA at 23%, Santander at 22%, Galicia at 21% and Ciudad at 21%.
- Higher offers persist at smaller and digital players, led by Banco Meridian and Crédito Regional at 32% TNA, Banco Voii at 31% and options around 29–30% such as Reba, Banco del Sol, BICA and CMF.
- Recent movements include minor trims of about one percentage point at some institutions, leaving the market broadly stabilized in a 21%–26% TNA band for many incumbents.
- Banks vary pricing by channel, with Banco Nación showing roughly 20.5% TNA in branch versus 24% via homebanking; at those rates an investor needs about $900,000 to earn a little over $15,000 in 30 days.
- The BCRA continues to publish a daily bank‑by‑bank table for 30‑day pesos deposits and enables online fixed terms for non‑clients, while some 60‑day offers, such as Nación’s 26.5% TNA, sit slightly higher.