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7h ago

Argentina’s 30-Day Plazo Fijo Rates Rise as Digital and Regional Banks Lead

BCRA data highlight wide dispersion in 30‑day yields, showing online placements outpay in‑branch offers.

Los inversionistas sigue acercándose al plazo fijo (Imagen ilustrativa).
El plazo fijo sigue siendo elegido por los ahorristas (Imagen ilustrativa).
Image
Consultá qué tasa de interés pagan los bancos para el plazo fijo en octubre

Overview

  • Official BCRA tables for Tuesday show top 30‑day effective monthly rates near 4.5%, equal to $22,500 in interest on a $500,000 deposit at banks such as CMF and Voii.
  • Regional and smaller institutions list nominal annual rates up to 54% TNA, including Banco VOII, Banco Bica, Banco CMF, Banco Meridian and Crédito Regional.
  • Large banks trail those peaks, with effective monthly payouts on $500,000 around $18,333 at Banco Nación and Banco Macro, $17,500 at Banco Credicoop and $16,667 at BBVA.
  • Banco Nación maintains a gap by channel, paying 34% TNA in-branch versus 44% online, which its example shows requires $4,295,000 presencial or $3,319,000 online to earn about $120,000 in 30 days.
  • Digital option Cuenta DNI advertises 50% TNA and would pay roughly $20,547 on $500,000 at 30 days, while allowing users to place deposits directly from the app without being bank clients.