Overview

• Recent updates place the average 30‑day TNA near 39%, up from about 37.5% earlier in the week, while the highest listed offers reach 49% for non‑clients.
• Banco Nación’s online 30‑day rate is 39% TNA versus 29.50% in branch, reflecting sizable channel differences that affect monthly returns.
• At 39% TNA, ARS 2,100,000 yields roughly ARS 67,315 in 30 days and ARS 2,500,000 yields about ARS 80,137, according to published bank simulations.
• To target ARS 300,000 of interest in 30 days at 39% TNA, the required deposit is about ARS 9,360,000, based on Banco Nación’s simulator.
• BCRA’s comparator shows major-bank TNAs such as Galicia 43%, ICBC 41.45%, and 39% at Nación, BBVA, Macro, and Credicoop, with smaller institutions offering up to 48%–49%, and term deposits are described as low‑risk instruments backed by deposit insurance.