Overview
- Most banks cut 30‑day plazo fijo offers to an average near 35% TNA, with BCRA citing Banco Nación’s reference move from roughly 44% to 35%.
- Channel gaps persist as online pays more than branches, with Banco Nación showing 35% TNA online versus 29.5% in‑branch and higher 30‑day returns on the same deposit.
- Rate dispersion remains wide, with major banks clustered around 29%–35.3% and outliers such as Meridian at 46% and Crédito Regional at 45%.
- Simulators show steep capital needs for set goals, including about $11 million to earn $340,000 at Banco Nación’s online tier, roughly $16.23 million to make $500,000, and $143,836 on a $5 million deposit at 35% TNA.
- Monthly interest near 2.91% sits just above September inflation, while business credit stays tight with a 1.8% real drop in September and only a tentative October rebound estimated by EcoGo.