Overview

• Many banks now advertise 30-day TNA rates above 35%, with some digital-only offers climbing to 45% or higher.
• Banco Nación’s online simulator shows a 44% TNA rate yielding about $15,550 on a $430,000 placement over 30 days.
• Consumers rely on the BCRA’s daily TEM comparison table and individual bank simulators to shop for the most attractive short-term yields.
• Some institutions such as VOII and Provincia de Tierra del Fuego have pushed electronic rates up to 46%, highlighting wide dispersion across platforms.
• Plazo fijo deposits remain low risk and are protected by the SEDESA deposit insurance system up to established limits.