Overview
- The BCRA’s comparative table for Friday, December 26 shows 30-day deposit rates spanning roughly 20.5% to 28% nominal annual.
- Banco Nación pays 23.5% TNA versus 22% at Banco Provincia, a gap worth about $1,250 per month on a $1,000,000 placement.
- Top yields come from smaller players, with institutions such as Banco Meridian and Reba posting around 28% TNA, while large banks cluster in the low-to-mid 20s.
- Channel matters: Banco Nación pays 23.5% for digital placements but only 20.5% if the deposit is opened in a branch.
- Rates have eased from early-November peaks near 35%; at 23.5% TNA, $1,200,000 earns about $23,178 in 30 days, and experts note fixed terms are more predictable than buying dollars even as both struggle to beat inflation.