Overview

• Several smaller and digital players now pay 52%–54% TNA for 30‑day plazos fijos, with Banco VOII, Banco CMF and Banco Bica among the highest reported offers.
• Large incumbents remain lower and dispersed, with many between 35% and 44% TNA, while Banco Nación posts 41% for electronic placements and 34% for branch operations.
• Short‑term wholesale funding costs spiked, with one‑day caución yields reported near 78% TNA and intraday peaks around 140%, increasing pressure on banks to raise deposit rates.
• Banco Provincia’s Cuenta DNI offers 48% TNA and reports more than 318,000 fixed‑term deposits totaling over $641 billion, drawing many first‑time savers through simple digital onboarding.
• The BCRA scrapped minimum deposit‑rate floors in 2024 and now provides a public, bank‑by‑bank 30‑day comparison, with rates differing by channel and client status and updating frequently.