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4mo ago

BCRA List Shows Big-Bank 30-Day Peso Rates Near 21–23.5%, Smaller Lenders Reach 28.5%

With the rate floor scrapped last year, banks are setting divergent offers and rewarding digital placements over in-branch deals.

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Overview

  • Major banks now cluster between roughly 20.5% and 23.5% TNA, with Banco Nación, Macro and ICBC at about 23.5%, Provincia at 22%, Santander, Galicia and BBVA near 21%, and Banco Ciudad at 20.5%.
  • The Central Bank’s public comparison table, updated daily, lets savers check each institution’s 30‑day peso term‑deposit rates and includes some offers for non‑clients.
  • Digital channels pay a premium over branch operations, exemplified by Banco Nación’s 23.5% TNA online versus 20.5% in‑branch, which on ARS 1,000,000 for 30 days yields about ARS 19,315 versus ARS 16,849.
  • Several smaller lenders advertise higher online TNAs for 30‑day deposits, with names such as Meridian, Bica, Voii, CMF and Crédito Regional listing rates around 28% to 28.5%.
  • Practical examples show scale matters: to earn roughly ARS 100,000 in a month at Banco Nación’s online rate, an investor needs about ARS 5.2 million, and overall TNAs have eased from near 35% in early November to about 23.5% now.