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4w ago

Banks File December 30‑Day Plazo Fijo Rates as Big Lenders Settle Around Mid‑20s TNA

A recent reference‑rate cut helps explain the broad decline in advertised yields.

El plazo fijo sigue en picada (Imagen ilustrativa).
Image
Murió el plazo fijo: el Banco Nación cambió la tasa de interés para la mala suerte de sus ahorristas
El plazo fijo permite al ahorrista ganar un salario mínimo, pero antes de invertir conviene revisar qué bancos ofrecen las mejores tasas de interés (Imagen ilustrativa).

Overview

  • The BCRA’s latest comparator for Dec 2–3 lists 30‑day TNAs such as Banco Nación 26%, Banco Provincia 26%, Santander 25%, Galicia 22%, BBVA 23%, and ICBC and Macro around 28%.
  • Smaller institutions advertise higher online rates for non‑clients, with Meridian, Voii and Crédito Regional at 31.5% and Córdoba at 30.5%, according to the published table.
  • Rates differ by channel, with digital placements paying more than in‑branch; Banco Nación cites roughly 26–27% online versus about 22–22.5% in person.
  • Coverage notes a marked slide from early November levels, and reports that the government last week trimmed a reference nominal rate to 20% TNA.
  • Illustrating returns, at a 26% TNA a 1,000,000‑peso deposit earns about 21,370 pesos in 30 days, and reaching today’s 334,800‑peso minimum wage would require roughly 15.06 million pesos.