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3h ago

30-Day Deposit Rates Diverge in Argentina, With Top Offers at 31.5% TNA

Rate dispersion means the bank you choose can change your 30‑day payout by more than 8,000 pesos per million.

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Overview

  • - Small and digital lenders lead current 30-day offers near 31–31.5% TNA (e.g., Voii/Meridian), paying about ARS 25,890 on a ARS 1,000,000 placement.
  • - Major banks list markedly lower TNAs around 21–26% (e.g., Santander 21%, Galicia 22%, Nación 26%), yielding roughly ARS 17,260 to ARS 21,370 on the same deposit.
  • - Outright differences mean choosing 21% instead of 31.5% leaves about ARS 8,630 on the table in a single month per ARS 1,000,000.
  • - With rates trending lower in early 2026, deactivating automatic renewals and rebuilding the fixed term at maturity helps avoid being locked into reduced yields.
  • - Non-clients can place funds via the BCRA-regulated Plazo Fijo Web to capture higher-paying banks, while UVA protects against inflation but requires a 180-day lock-up; hitting ARS 500,000 a month in interest takes about ARS 19.31M at 31.5% TNA versus roughly ARS 28.97M at 21%.