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1h ago

Argentina’s 30-Day Plazo Fijo Rates Settle in Mid-20s to Low-30s, With Digital Lenders on Top

After post-election trims, official listings show a clear gap between online and in-branch payouts and a handful of smaller players leading the market.

Las tasas bancarias para los plazos fijos este lunes 17 de noviembre
El plazo fijo todavía rinde.
El plazo fijo sigue siendo una herramienta interesante para invertir los pesos.
Autojubilación (Nano Banana)

Overview

  • The BCRA’s November 17 table shows major banks near 24%–30% TNA—Banco Nación at 27%, Banco Macro at 30% and Banco Galicia at 24%—while top offers include Reba at 36% and VOII and Meridian at 33.5%.
  • Banco Nación pays 27% TNA for online placements versus 22.5% in branches, and its simulator estimates $500,000 earns about $11,095 in 30 days online versus roughly $9,247 in person.
  • At a 27% TNA, a 30-day deposit of $4,000,000 generates around $88,767 in interest, according to examples cited from bank calculators.
  • Banco Provincia’s Cuenta DNI applies a 32% TNA, with calculations indicating roughly $12,082,500 is needed to match the current minimum wage and about $15,115,702 to match the minimum pension plus bonus in one month.
  • Outlets stress comparing bank-by-bank TNAs and channel terms, noting deposit insurance administered by SEFyC/SEDESA that protects capital within coverage limits.