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5h ago

Argentine Banks Lift 30-Day Deposit Rates as Smaller Lenders Top 50% TNA

A new central bank comparison highlights sharp disparities by bank and channel, with online and non‑client offers often far outpacing big‑bank branch rates.

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El plazo fijo sigue siendo una opción para los ahorristas (Imagen ilustrativa).
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Overview

  • Banco VOII leads current offers at about 53% TNA for 30‑day deposits, with Banco CMF near 52.5% and Banco BICA around 52%, according to the BCRA’s October 14 listings.
  • Large institutions advertise lower ranges, with Banco Macro near 44% TNA, Banco Galicia around 43%, BBVA and Banco Nación near 39–41% online, and Santander and Banco Ciudad at roughly 35%.
  • Banco Nación’s rate differs by channel, paying about 41% TNA for electronic placements versus roughly 34% for in‑branch operations.
  • The BCRA published a comparative table for 30‑day deposits that includes TEM, TNA and TEA plus example interest payouts, enabling clearer bank‑by‑bank comparisons.
  • Coverage notes that the recent drop in the official dollar has improved the real purchasing‑power yield of peso deposits, and that some higher‑yield offers are available to non‑clients through digital channels.