Overview
- Large incumbents now quote roughly 34%–38% TNA for 30-day online placements, with Banco Nación at 37.5% and Macro listed near 38% in several tables.
- Digital and regional lenders lead the board with online TNAs around 42%–44%, including CMF and Bica at 44%, VOII and Reba at 43%, and Meridian at 42.5%.
- The BCRA publishes a bank-by-bank daily comparator that outlets use to track repricing, following 2024’s removal of minimum deposit-rate floors and recent reserve adjustments.
- Banks pay materially higher rates for electronic placements than in-branch; Banco Nación’s simulator shows 37.5% online versus 29.5% at the counter.
- At 37.5% TNA, a 30-day deposit of ARS 500,000 earns about ARS 15,625, while top-quartile online offers in the low-40% range yield proportionally higher monthly returns.