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3h ago

BCRA Comparator Shows 30-Day Fixed-Term Rates at 24–30% at Major Banks, With Offers Up to 33.5% Elsewhere

The deregulated market now produces wide gaps that the Central Bank lists by bank each day.

Las tasas bancarias para los plazos fijos este martes 25 de noviembre
Los bancos y entidades que pagan las tasas más altas para depósito a plazo fijo en noviembre de 2025, vía SBS
El plazo fijo cotiza en baja, en este último tramo del año
Los bancos continuan con tasas estables en los plazos fijos y por debajo del 30%.

Overview

  • After the long weekend, the Central Bank’s updated table for November 25 shows broad dispersion in 30‑day TNAs across institutions.
  • Large banks cluster in the mid‑20s to 30% range, including Banco Nación at 27%, Santander at 25%, BBVA at 26%, Macro at 30%, Credicoop at 28% and ICBC at 28%.
  • Higher published rates appear in some smaller or non‑client offers, with Banco Meridian and Banco Voii at 33.5% and Crédito Regional at 33%.
  • The BCRA removed the minimum floor last year, leaving each bank to set its own rates and leading to frequent adjustments by channel and client status.
  • The comparator includes the 10 banks with the largest deposits and others that report non‑client rates, and outlets note that nominal yields may trail inflation.