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3h ago

Argentina’s 30-Day Plazo Fijo Rates Diverge as Smaller Banks Touch 49% TNA

The central bank’s public comparator shows wide gaps, with niche lenders near 49% TNA versus large banks mostly in the mid‑30s to low‑40s.

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Tras los nuevos cambios en las tasas de interés, esto pagan los bancos en los plazos fijos.
Cambiaron las tasas de interés de los plazos fijos y ahora esta herramienta ofrece mejores ganancias a los ahorristas (Imagen ilustrativa).

Overview

  • As of Monday, October 13, the BCRA table lists Banco VOII at 49% TNA and Reba and Banco Bica at 48% for 30‑day online deposits, while major banks such as Nación, BBVA and Macro post 39% and Galicia 43%.
  • A 39% TNA implies a monthly effective yield near 3.25%, producing roughly $16,000 to $17,800 on a $500,000 deposit depending on the institution.
  • Banco Nación’s simulator indicates a $9.36 million online placement at 39% TNA is needed to earn $300,000 in 30 days, and about $14.659 million to target $500,000.
  • Channel pricing differs notably: Nación pays 39% for digital placements versus about 29.5% in branch, yielding roughly $19,233 online vs $16,767 at the counter on a $600,000 deposit.
  • Despite recent adjustments and freer pricing since the 2024 floor removal, average short‑term returns lag projected inflation, so monthly renewals often lose purchasing power.