Overview
- The Banco Central published a bank-by-bank table on Tuesday, July 14, 2026, listing current 30-day fixed‑term (plazo fijo) nominal annual rates and confirming that offers now diverge across lenders.
- Major banks broadly cluster in the mid‑teens TNA for 30 days, commonly about 17–19%, while smaller or digital banks advertise higher online or non‑client TNAs of roughly 21–23%.
- Banco Nación pays a clear channel premium: in‑branch 30‑day peso TNA is reported at about 15.50% while electronic placements list about 19.00%, producing a gap of more than ARS 23,000 on an ARS 8,000,000 deposit.
- Practical calculations show savers need multi‑million peso balances to reach six‑figure monthly interest—for example a 19% TNA on ARS 3,000,000 yields about ARS 46,849 in 30 days—and dollar‑denominated plazo fijo rates remain negligible at roughly 0.05%–1.6% TNA.
- The divergence follows the BCRA's 2024 removal of a mandatory minimum rate, the central bank's public comparator is the official daily reference, and rates can change without notice so savers should check bank simulators before locking funds.