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last wk.

Argentina’s Banks Reprice 30-Day Deposit Rates to Mid-30s After Benchmark Cuts

Central-bank benchmark cuts and a softer dollar pulled most 30-day offers lower, leaving only digital and provincial banks near 40–45%.

Los depósitos a plazo fijo mantienen su atractivo y permiten calcular ganancias claras para distintos plazos e inversiones (Imagen ilustrativa).
Con las últimas tasas, te mostramos cuánto hay que invertir en un plazo fijo para lograr un rendimiento de $90.000 (Imagen ilustrativa).
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Plazo fijo: chequeá cuánto dinero necesitás depositar para ganar $160.000 en 30 días con las nuevas tasas (Imagen ilustrativa).

Overview

  • Most large banks now post 30-day TNAs in roughly the low-to-mid 30s, with examples including Banco Nación at 36% online, Macro at 36.5%, Provincia at 34% and Ciudad at 31%.
  • Higher online yields persist at select digital and provincial institutions, where TNAs cluster around 41–45%—notably VOII, Córdoba and Crédito Regional—with VOII reported at 44% for deposits from $1,000,000.
  • The BCRA’s recent ~10-point move reset wholesale references, with TAMAR near 41% TNA and BADLAR around 39.25% TNA, accelerating retail repricing late in September.
  • Banks continue to segment by channel and client status; for instance, Banco Nación pays 36% for electronic placements versus 29.5% in-branch, and the BCRA’s comparator tool guides savers to shop offers.
  • Analysts caution the next leg for retail rates depends on currency stability and potential BCRA reserve sales before elections, which could lead to renewed increases.