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1h ago

Argentina Banks Lift 30-Day Peso Deposit Rates as Digital Offers Reach 55%–58%

Post-deregulation competition is producing wide dispersion across banks and channels, pushing savers toward higher-yielding online placements.

Con el aumento en las tasas de interés, los plazos fijos se consolidan como una alternativa rentable para los ahorros en pesos (Imagen ilustrativa).
Con tasas de interés que rozan el 60%, el plazo fijo ofrece ahora mejores rendimientos para depósitos a 30 días (Imagen ilustrativa).
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Overview

  • Systemwide 30-day fixed-term deposits now average about 47% TNA after fresh increases in recent weeks.
  • The BCRA’s comparator shows leading client rates including Banco Hipotecario at 49.50%, ICBC at 47.70%, and Banco Nación and Credicoop at 47%.
  • Banco Nación’s simulator highlights a sharp channel gap, paying 32.50% TNA in branches versus 47% via home banking or app, with ARS 1,600,000 earning ARS 42,739 in person or ARS 61,808 online in 30 days.
  • Top promotional digital TNAs listed include Banco CMF at 58%, Banco Provincia de Córdoba and VOII at 57%, Meridian at 56.75%, and BICA at 54%.
  • A concrete benchmark shows ARS 10,000,000 at a 48.50% TNA yielding ARS 398,630 in 30 days, underscoring the value of comparing offers with the BCRA table and bank simulators.