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Banks Cut Argentina’s 30-Day Peso Deposit Rates Again, Now Mostly in the High-20s to Low-30s

Digital banks lead the table with higher posted yields than major institutions.

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Cambios en el plazo fijo del Banco Nación
Con la nueva tasa de interés, una inversión mínima puede generar ganancias mensuales significativas.
Plazo fijo: ¿Cuánto debo invertir para obtener una ganancia de $220.000 en un mes?

Overview

  • Fresh surveys on November 10–12 show leading banks’ 30‑day nominal annual rates clustering between roughly 24% and 30%, after a rapid step-down from October peaks.
  • Banco Nación notified the BCRA of a 33% TNA for 30‑day deposits, while its simulator shows 29% for electronic placements and 25.5% in-branch, producing noticeably different monthly returns.
  • A depositor placing ARS 1 million now receives about ARS 1.019–1.029 million at maturity, with weekly income falling by roughly ARS 3,000–5,000 per million versus the prior week.
  • Fintechs and smaller or regional banks continue to post higher offers, with several advertising around 34%–36% TNA, including VOII, Meridian, Reba and Crédito Regional.
  • The repricing follows recent BCRA policy moves, and the Central Bank’s website publishes a bank‑by‑bank 30‑day rate table that highlights wide dispersion and channel differences.