Overview
- As of October 9–10, the BCRA comparator shows a system average in the high‑30s TNA (roughly 37.5%–39%) and top posted offers in the 44%–46% range at digital and regional institutions.
- Banco Nación’s current 30‑day rate is 37.50% TNA for online placements versus 29.50% in branch, and its simulator estimates ARS 154,109.59 in interest on a ARS 5,000,000, 30‑day deposit at that online rate.
- Banks have been actively re‑pricing this week, with some trimming recent peaks after earlier increases, producing wide cross‑bank dispersion that is pushing savers to compare institutions, channels and ticket sizes.
- Examples from the BCRA table: Banco VOII advertises up to 46% TNA on larger deposits, while CMF, Meridian and Bica post around 43%–44%; major banks such as Nación, Galicia, BBVA, Macro and Provincia generally sit in the mid‑ to high‑30s.
- The current landscape follows the BCRA’s March 2024 removal of minimum rates, and short‑term nominal returns implied by today’s TNAs often still outpace recent monthly inflation.