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3h ago

Banks Lift Plazo Fijo Yields, With 30-Day Rates Averaging About 44%

Fresh repricing across banks pushes advertised returns higher for savers seeking predictable income.

Plazo fijo: ¿Cuánto se gana con una inversión de $780.000 a 30 días? (Imagen ilustrativa).
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Overview

  • New rate checks show the 30-day TNA hovering near 44% after banks raised what they pay on fixed-term deposits.
  • Offers frequently range from 44% to 48.5% TNA; at 48.5%, the implied monthly return is about 4.04% or roughly $28,300 on a $700,000 placement.
  • Published bank tables highlight sharp dispersion, from 35% at Santander and 39% at Banco Provincia to 47% at Galicia, 45.5%–48.5% at Hipotecario and a 55% outlier at Banco CMF.
  • An example at 44% TNA yields $43,397.26 in 30 days on $1,200,000, while Banco Nación lists 44% for 30 days and 43% for 60 days, with $1,000,000 earning $70,684.93 over two months.
  • Coverage underscores the value of comparing not only rates but also terms such as auto‑renewal, precancelable options and app access, as monthly income can vary by several thousand pesos.