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6h ago

Argentina’s Major Banks Post Sub-25% 30-Day Fixed-Deposit Rates to Start 2026

Deregulation has pushed banks to compete on posted returns, creating noticeable gaps by institution and channel.

Luego de los últimos cambios en las tasas de interés, esto se gana al depositar $1.000.000 en un plazo fijo.
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El plazo fijo se mantiene entre las opciones preferidas por los ahorristas y $160.000 de inversión deja una ganancia segura (Imagen ilustrativa).

Overview

  • On January 2, posted nominal annual rates for 30-day deposits largely sit below 25%, led by Banco Nación at 23.5%.
  • Other quoted TNAs include Macro 23.5%, Hipotecario 23.5%, Credicoop 23%, Provincia 22%, ICBC around 22.75%–23.5%, Santander 21%, Galicia 21%, BBVA 21%, and Ciudad 20.5%.
  • At Banco Nación’s 23.5% TNA, a 30-day deposit of AR$1,000,000 earns AR$19,315.07 in interest (total AR$1,019,315.07; TEA 26.21%).
  • Banco Nación’s simulator shows that reaching roughly AR$400,000 in 30 days requires about AR$20,000,000 at current electronic rates, highlighting the large principal needed for sizable monthly returns.
  • Recent reports note higher returns via homebanking than in-branch for some banks, with examples citing about 24.5% online versus 21.5% in person.