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6mo ago

Argentine Banks Trim Fixed-Term Deposit Yields After Election, With Digital Lenders Still Posting Up To 54%

A post‑election pullback has widened dispersion across 30‑day offers, with big institutions clustered in the low 40s and smaller online players topping the rankings.

Con tasas de interés de hasta el 44%, el plazo fijo permite una buena ganancia a 30 días para los ahorristas (Imagen ilustrativa).
Los ahorristas apuestan al plazo fijo para obtener dividendos (Imagen ilustrativa).
Image
Plazo fijo con tasas de hasta 54%: ¿Cuánto debo invertir para obtener una ganancia de $210.000 en un mes?

Overview

  • BCRA comparisons on October 27–28 show broad 1–12 percentage point cuts to 30‑day TNAs following the legislative vote and a rally in local assets.
  • Digital and regional institutions lead returns, with VOII and CMF at 54% TNA and others like Bica, Meridian and Crédito Regional listing 52–54% on online deposits.
  • Major lenders remain materially lower, with Banco Nación at 44% online and private banks such as Macro (42%), BBVA (40%) and Galicia (37%) mostly below 44%.
  • Channel matters for savers: Banco Nación’s electronic rate outpaces its in‑branch offer (about 44% vs 34% TNA), producing sizable differences in monthly interest.
  • At 44% TNA, a 30‑day deposit of AR$1,000,000 yields roughly AR$36,164, and the BCRA’s daily table remains the reference to compare client and non‑client offers bank by bank.