Overview
- Major lenders show low-to-mid‑20% TNAs for 30‑day deposits, with Banco Nación at 23.5%, Provincia at 22%, Ciudad at 20.5% and Macro at 24.5%.
- Several regional and digital players quote higher returns for online or non‑client placements, with Bica, CMF, Meridian, Voii and others at roughly 27%–28%.
- Banks pay more through home‑banking than in‑branch, with typical offers near 23.5% online versus about 20.5% at the counter.
- A $250,000 deposit for 30 days yields about $4,829 online at 23.5% TNA versus roughly $4,212 in‑branch at 20.5%, reflecting the channel premium.
- BCRA data show the stock of traditional fixed deposits fell by about ARS 1.7 trillion into mid‑December while UVA balances rose, as modest late‑December rate moves followed weeks of declines.