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6d ago

Argentine Banks Trim 30-Day Peso Deposit Yields as BCRA List Highlights Wide Dispersion

Post‑election policy easing that expanded peso liquidity has pulled most returns into the low‑20s, pushing savers to compare digital rates and reconsider short‑term alternatives.

Cambió el plazo fijo y los rendimientos para ganar 500 lucas por mes.
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Cambió el plazo fijo y ahora cada inversión genera un nuevo rendimiento a 30 días (Imagen ilustrativa).

Overview

  • Fresh BCRA data for December 12 shows large banks clustered near 21–24% TNA for 30‑day deposits, while some smaller and digital lenders advertise up to 27.5%.
  • Digital channels generally pay more than branches, with Banco Nación listing 22.5% online versus 20.5% for in‑person placements.
  • At current levels, a $500,000 deposit earns about $9,246 in 30 days online at 22.5% TNA, or roughly $8,425 in a branch at 20.5%, according to bank simulators.
  • To lock in sizable monthly income, calculators show multi‑million peso deposits are required—around $6.49 million for $120,000, $10.5 million for $200,000, and $15.6 million for $300,000.
  • Money‑market FCI yields have also fallen to roughly 1.3% per month, and analysts cite T+1 funds, short‑duration peso debt, or inflation‑linked bonds as alternatives for conservative savers.