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2w ago

Argentine Banks Slash 30-Day Plazo Fijo Rates as BCRA Cut Bites

A reference-rate reduction to 25% forced a rapid repricing that leaves only a handful of offers above 40% with pronounced gaps between online promos and branch counters.

Plazo fijo con nuevas tasas: cuánto invertir para ganar $60.000 en 30 días en diferentes bancos (Imagen ilustrativa).
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Con las tasas de los plazos fijos actualizadas, mirá cuánto se gana con $180.000 en cada banco (Imagen ilustrativa).
El plazo fijo se actualizó: mirá cuánto hay que depositar para conseguir $120.000 en un mes (Imagen ilustrativa).

Overview

  • Fresh BCRA comparator data for Friday, September 26 shows most 30‑day TNAs clustered near 30%–38%, with ICBC at 43% and Macro at 38.5%, while Nación pays 36% online and even less in branch.
  • Top online offers remain led by smaller and fintech-linked players: VOII at 46.5% (47.5% from $1 million, per the bank), Crédito Regional at 46.5%, and Meridian between 43.5% and 46.5%; Banco del Sol and Tierra del Fuego are near 45%.
  • Large-bank and in‑person rates lag: Provincia is at 34% and Ciudad at 31%, and Nación’s in‑branch rate has been reported below its online level, underscoring the importance of channel choice.
  • Outlets quantify outcomes using bank simulators: at Nación’s 36% TNA, $380,000 yields roughly $11,243 in 30 days, while a 46.5% TNA returns about $14,725 for the same capital.
  • Media note that TNAs now translate to monthly gains of roughly 2.5%–3.9%, and while many offers still beat August inflation, the broad cuts since yesterday highlight the market’s swift response to BCRA policy.