Overview

• Large banks cluster between 31% and 39% TNA for 30‑day deposits, with Banco Nación at 37.5%, Macro at 38%, Credicoop at 39% and Banco Ciudad at 31%.
• Digital and regional players lead the market at roughly 43%–44% TNA, including CMF, Bica, Meridian and Voii, with a conditional top offer reported at 46% for deposits above $1,000,000 at Voii.
• Banco Nación illustrates channel segmentation, offering 37.5% TNA online versus 29.5% in‑branch for the same 30‑day placement.
• Outlets note a recent drift lower from prior peaks, and the central bank continues to publish a bank‑by‑bank 30‑day rate table that updates daily.
• Rate dispersion meaningfully alters outcomes: a $500,000 30‑day deposit can yield about $12,329 to $18,082 depending on the chosen institution.