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2mo ago

Argentina’s Peso Time-Deposit Rates Steady at Lower Levels, Big Banks Near 20%–24%

Central bank data put major lenders near 20.5%–24% TNA with digital channels paying more than branches.

Con inversiones mínimas, el plazo fijo permite conseguir una ganancia interesante en apenas 30 días (Imagen ilustrativa).
Image
El plazo fijo sigue siendo una opción elegida, aunque con tasas más bajas y diferencias marcadas entre bancos.
El plazo fijo permite ganar en 30 días $310.000 extra, pero el monto a invertir varía según el banco (Imagen ilustrativa).

Overview

  • The BCRA’s December 17 table shows leading banks at roughly 20.5%–24% TNA, with examples including Banco Nación at 22.5%, Banco Macro at 24% and Banco Ciudad at 20.5%.
  • Smaller banks and fintechs advertise higher returns for certain clients or non‑clients, with offers up to about 27% TNA at entities such as Meridian, CMF and VOII, and around 26%–26.5% at BICA, Mariva and Banco Julio.
  • Channel matters: Banco Nación’s simulator shows $600,000 placed online at 22.5% TNA returns $11,095.89 in 30 days versus $10,109.59 in-branch at 20.5% TNA.
  • Lower rates mean modest monthly gains on typical sums; at 22.5% TNA, a $3,000,000 deposit earns about $55,479 in 30 days, while targeting $250,000–$310,000 requires roughly $13,000,000–$16,060,000.
  • Coverage this week describes rates as broadly unchanged after recent cuts and urges savers to compare entities and channels before locking in a 30‑day placement.