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3w ago

Argentine Banks Lift 30-Day Plazo Fijo Rates as Top Online Promos Hit 50% TNA

A BCRA comparison table highlights wide dispersion by bank and channel, with top electronic offers reaching 49–50% TNA.

Plazo fijo en dólares
El plazo fijo en pesos continúa siendo una herramienta ideal para ahorrar.
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Con las nuevas tasas, un plazo fijo de $120.000 a 30 días puede generar una mejor ganancia que semanas atrás (Imagen ilustrativa).

Overview

  • Major banks now quote roughly mid‑40% TNA for 30‑day deposits, with Banco Nación around 44%, Galicia and Macro at 45%, BBVA and Provincia at 43%, ICBC reported up to 47.7%, Santander at 38% and Banco Ciudad near 35%.
  • Digital and non‑client promotions lead the board, with Banco CMF and Reba at 50% TNA and Meridian, VOII and Banco Provincia de Tierra del Fuego at 49%, while Córdoba stands near 48.5% and BICA is listed as high as 48%.
  • Rates vary by channel at some institutions: Banco Nación pays materially less in‑branch than online, a gap shown in bank simulators that calculate higher 30‑day returns for electronic placements.
  • Recent increases follow the BCRA’s earlier removal of minimum floors and late‑August pressures including higher reserve requirements, pushing banks to reprice funding and widen the spread of quoted TNAs.
  • Dollar term deposits remain available but yield far less, with annual rates up to about 2.5%—for example, $6,000 placed for 30 days at Banco Nación returns roughly $12.33.