Overview

• Official BCRA tables for August 19 show wide dispersion in 30‑day rates, ranging roughly from 25% to 55% TNA depending on the bank.
• Banco CMF leads with 55% TNA, while large and digital players cluster in the low‑to‑mid‑40s, including Galicia at about 47% and several others at 44%–46%.
• Banco Nación pays 44% TNA for electronic placements but about 29.5% in branches, and it introduced a remunerated savings account near 29% annual for daily liquidity.
• The BCRA’s daily comparator (TEM/TNA) highlights channel and client‑status differences, with some institutions offering higher promotional rates to non‑clients such as Hipotecario at up to 48.5% TNA.
• With monthly inflation near 2%, top quoted rates imply effective monthly yields near 4.5%, and savers are urged to check the BCRA table and bank simulators before committing funds.