Overview
- The BCRA published a comparative table on Friday July 3 showing 30‑day TNA rates that range roughly from the mid‑teens to the low‑to‑mid‑20s percent across banks.
- Banco Nación posts 15.5% TNA for in‑branch 30‑day deposits and 19% for home‑banking, which turns a $750,000 term into about $9,554 in‑branch or $11,712 online.
- Banks commonly pay higher yields for deposits made via digital channels and smaller banks or finance firms often list the top nominal TNAs on their websites.
- Typical monthly returns from 30‑day plazo fijo—roughly 1.1% to 1.6% from the current TNAs—frequently fail to keep pace with near‑2% monthly inflation, so these deposits preserve nominal capital but may erode purchasing power.
- Practical media calculations show the cost of targets: by Banco Nación rates a saver needs about $4,000,000 to earn roughly $50,000 in 30 days, demonstrating how bank choice and channel materially affect short‑term income.