Overview
- The BCRA, which published the comparison on Thursday, shows 30-day peso deposits averaging about 19% nominal annual interest.
- Major banks cluster between roughly 16.5% and 21.5% TNA, with Nación at 19%, Provincia and Macro at 21.5%, and Santander at 16.5%.
- Smaller and digital lenders advertise higher offers for non-clients online, with top posted rates near 25% to 25.5% on the central bank’s list.
- Even with returns lagging inflation, savers still favor fixed terms for safety and predictability, and many banks now pay the same rate online or in branch.
- Rate dispersion stems from the BCRA’s 2024 removal of minimum deposit floors, and banks have kept trimming offers, including Nación cutting dollar deposit yields to 2.0% a year.