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2h ago

Argentina’s 30-Day Plazo Fijo Rates Hold Near 24%–33.5% After Post‑Election Cuts

BCRA’s daily bank-by-bank table highlights higher online yields alongside recent nudges in dollar deposit rates.

Cambió el plazo fijo y ahora un depósito de $240.000 a 30 días genera un nuevo rendimiento (Imagen ilustrativa).

Overview

  • On November 19, the BCRA’s comparator shows 30‑day peso TNAs spanning roughly 24% to 33.5%, with overall levels steady after recent reductions.
  • Major banks cluster in the mid‑20s to around 30% TNA: Nación 27%, Provincia 28%, Ciudad 26%, Santander 25%, Galicia 24%, BBVA 26%, Macro 30%, Credicoop 28%, ICBC 28%.
  • Smaller or digital‑focused institutions post the top offers, including Meridian and Voii at 33.5%, and Bica, CMF, Mariva and others near 32%.
  • Online placements outpay in‑branch: Banco Nación’s simulator shows 27.0% TNA for digital vs 22.5% by counter, yielding about $22,192 on $1,000,000 in 30 days online.
  • Dollar plazo fijo rates have edged up at some banks, with Banco Nación around 2.5% TNA, Galicia near 2.4%, BBVA about 1.25%, Macro 1.75%, and Santander as low as 0.05%.