Overview
- New BCRA data for Nov. 13–14 show major-bank TNAs at Banco Nación 29% online and 25.5% in branch, Macro 30%, BBVA 27%, Santander 25%, Galicia 24%, Ciudad and Credicoop 28%, and ICBC 29%.
- Smaller and digital players advertise higher returns, including Banco Voii and Crédito Regional at about 35%, Meridian at 34.5%, and BICA, CMF and Reba near 34%.
- Banco Provincia’s Cuenta DNI app promotes a 32% annual rate, outpacing the bank’s traditional 24% option available through standard channels.
- At current levels, the typical monthly yield is near 2.4%, slightly above October’s 2.3% inflation reported by INDEC.
- Following last year’s end of minimum-rate rules and a post-election market reset, average TNAs have eased from mid-October peaks near 44% to about 29%.