Overview
- The BCRA’s bank-by-bank table, published Thursday, shows 30‑day peso TNAs ranging from about 19.5% to 27.5%, with major banks near 20%–24% and some smaller or digital lenders topping the range.
- Most banks pay slightly more for online placements than in‑branch, with a typical premium near 0.5 percentage points and Banco Nación citing higher electronic rates and tiered yields for deposits above $10 million.
- Media using official simulators report the lump sums needed for fixed monthly interest, such as roughly $12.5 million to earn about $235,000 in 30 days at 23% TNA or about $11.1 million to reach $200,000 at 22%.
- Banks and fintechs are also pitching dollar options to pull cash into the system, targeting an estimated USD 250 billion held outside banks with one‑year dollar term deposits near 5.5% and remunerated dollar accounts with lower yields but more access.
- To hedge inflation, Banco Nación promotes a UVA‑indexed fixed term that adjusts capital by the CPI, requires 90 to 370 days, sets a $1,500 minimum, and pays a 4.5% nominal rate on top of the inflation adjustment.