Overview
- The BCRA’s daily comparison for November 6 lists Banco Nación and Macro at 33% TNA online, ICBC at 32.25%, Credicoop at 29%, Ciudad at 28%, and Santander, BBVA, Galicia and Provincia at 27%.
- Smaller lenders and fintechs post higher online offers to attract liquidity, including Reba at 37%, Meridian and VOII at 36%, and Banco Columbia reported at 46%.
- Banco Nación’s official simulator shows a depositor needs roughly ARS 8,849,000 to earn ARS 240,000 in 30 days at its 33% online TNA.
- Channel pricing differs at Nación, with 29.5% TNA in branches versus 33% online, yielding about ARS 7,274 vs ARS 8,137 on ARS 300,000 and ARS 12,123 vs ARS 13,562 on ARS 500,000.
- Banks cut TNAs sharply after the October 26 legislative elections, dropping from pre‑election levels near 50% into today’s 27%–33% range under the 2024 deregulated framework.