Overview
- Rate postings published June 18–19 show most Argentine 30-day peso TNAs under 20%, with Banco Nación listing 19% for electronic placements and Banco de la Provincia de Buenos Aires offering 19.5% as a market high.
- Banco Nación charges a lower branch TNA of 15.50% for 30-day peso plazo fijo while paying 19.00% for the same term via home banking, creating a clear premium for digital channels.
- Dollar-term yields in Argentina remain negligible and deliver tiny monthly gains, for example Banco Nación’s 1.60% TNA would pay about USD 2.10 on a USD 1,600 30-day placement.
- In Peru a sharp competition for deposits has pushed long-term soles offers higher, with SBS data showing Caja Cusco at 7.13% for deposits over 360 days and the deposit insurance cap at 117,200 soles for March–May 2026.
- Because rates vary widely by bank, term, currency and channel, savers are advised to compare offers, factor in early-withdrawal penalties and split balances across institutions to keep funds fully covered by deposit insurance.