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6h ago

Argentine Banks Lift Fixed‑Term Deposit Rates as Competition Pushes Top Offers to 49%

Deregulation now has banks setting their own 30‑day deposit yields, producing sharp differences by institution and channel.

El plazo fijo continúa en alza con las tasas de interés elevadas.
Tras los nuevos cambios en las tasas de interés, esto pagan los bancos en los plazos fijos.
Cambiaron las tasas de interés de los plazos fijos y ahora esta herramienta ofrece mejores ganancias a los ahorristas (Imagen ilustrativa).
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Overview

  • Banco Nación currently pays a 39% TNA on 30‑day online fixed deposits, while the in‑branch rate is lower at 29.50%.
  • Central bank comparison data show some regional lenders offering up to 49% TNA for non‑clients, including Banco VOII (49%) and Banco Bica, Banco Meridian and REBA (48%).
  • Banco Nación’s simulator indicates that earning ARS 300,000 in 30 days at the 39% online rate requires depositing ARS 9,360,000.
  • A 30‑day deposit of ARS 2,500,000 at Banco Nación yields ARS 80,136.99 in interest at the 39% TNA, for a total of ARS 2,580,136.99.
  • To target ARS 270,000 in 30 days at the 39% online rate, the required principal is ARS 8,423,100, and the BCRA’s official comparator and bank simulators help savers shop the best available TNAs.