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Banco Nación Launches UVA Term Deposit With Monthly Interest Above Inflation

The move signals a push to give savers inflation‑proof peso income that banks can turn into longer‑term credit.

Overview

  • Banco Nación introduced a UVA‑indexed fixed deposit this week that pays interest every month rather than only at maturity.
  • The principal tracks inflation via the CER index through UVA, and the bank adds about 4.5% a year in real yield that can reach about 4.75% on the longest terms.
  • Savers may withdraw the monthly interest while the principal remains locked for the first 90 days, with maximum terms near two and a half years.
  • The product is available in the app, on the website, or in branches with a minimum placement around 1,500 pesos, opening access to small savers.
  • Minister Federico Sturzenegger promoted the launch as a peso alternative as 30‑day bank rates sit near 20%–24%, arguing the deposits could help fund longer‑term loans at higher rates.