Overview
- Across banks, the average 30-day nominal annual rate is about 26%, which pays roughly ARS 21,369.86 on a ARS 1,000,000 deposit for one month.
- Digital and smaller institutions such as Voii, Meridian and Banco de Comercio lead with 30–31.5% TNA, equating to roughly ARS 25,000–26,000 in 30-day interest per ARS 1,000,000.
- Major incumbents list materially lower returns, with examples including Santander at 21%, Galicia at 22% and BBVA at 23%, while Banco Nación posts 26% for 30 days.
- Recent adjustments have left most offers in a 21%–28% TNA band, with some banks updating 60-day terms near 26.5% as dispersion across institutions persists.
- Savers are urged to disable automatic renewals to avoid rebooking at less favorable terms and to shop rates at maturity or use the BCRA-regulated Plazo Fijo Web to access higher-paying banks, while weighing 30-day liquidity against UVA’s 180-day inflation indexing lock-in.