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4h ago

Banco Provincia’s Cuenta DNI Sets 50% TNA as Peso Time-Deposit Rates Diverge

The outlier offer follows bank-wide cuts that pulled the average yield to roughly 39.5%, pushing savers to recalculate what their deposits can cover each month.

Puerto Madero (Nano Banana)
Plazo fijo con tasas de hasta el 50%: ¿Cuánto podés ganar con una inversión de $380.000 en un mes? (Imagen ilustrativa).
El plazo fijo cambió sus tasas de interés y los rendimientos para depósitos a 30 días (Imagen ilustrativa).
Los bancos ajustaron sus tasas de plazo fijo, pero esta herramienta de inversión sigue "garpando" (Imagen ilustrativa).

Overview

  • Several banks trimmed rates in recent days, lowering the market-average TNA for peso plazo fijo to about 39.5% from roughly 44% earlier in the week.
  • Banco Provincia’s Cuenta DNI pays 50% TNA, equivalent to about 4.17% per month, placing it well above most competing offers.
  • The bank cites more than 318,000 operations and $641 billion invested via the app, a $1,000 minimum ticket, and 70% of users new to time deposits.
  • At a 50% TNA, covering a typical Puerto Madero rent of $1,177,143 per month would require about $28.25 million, while generating $1.5 million monthly would need roughly $36 million.
  • Cross-bank TNA ranges widely—roughly 31% to 50% for peso deposits—while dollar terms remain low-yield, with Banco Nación at 2.5% annually or about $24.66 on US$12,000 in 30 days.