Overview
- Average 30-day TNA has moved into the 26%–27% range after sitting near 23.5% earlier in January, according to multiple bank listings.
- State lenders Banco Nación and Banco Provincia lifted their online TNA from 26% to 27% in the past week as they sought to stem outflows to higher-paying rivals.
- Digital and medium-sized institutions lead the market with top online TNAs around 31%–33.5%, including Banco VOII, Banco Meridian, Banco BICA, Banco CMF and Crédito Regional.
- The BCRA’s daily comparator shows pronounced dispersion across institutions and channels, with online placements typically outpaying branches by several points (e.g., ~27% online vs ~20.5% in person).
- For savers, rate gaps translate into meaningful one‑month differences—over ARS 10,000 on a ARS 1,000,000 placement—prompting comparisons with UVA options, liquidity needs and tax effects.