Overview
- BCRA’s Feb. 24 table shows major banks’ online 30‑day TNAs clustered around 23%–28%, with Banco Nación and Provincia at 25% and Banco Macro at 28%.
- Several regional and smaller institutions post higher offers near 32%–34% TNA, including Banco BICA (33%), CMF (33.5%), Voii (33.5%) and Meridian (33.25%).
- Channel gaps persist: typical branch counters pay about 20.50% TNA versus roughly 25.00% via homebanking, materially lifting one‑month returns.
- Illustrative math: at 25% TNA, ARS 7,000,000 placed for 30 days generates about ARS 143,835 in interest, while ARS 300,000 yields roughly ARS 6,164 online versus ARS 5,055 in branch.
- Rates can change day to day and many banks allow online placements for non‑clients, so checking the BCRA comparator and each bank’s homebanking before booking is advised.