Overview
- The BCRA online comparator updated on Monday shows the highest 30‑day TNAs around 23.5–24% from digital entities such as Reba and Meridian while major banks report lower TNAs in the 16–21% range.
- Banco Nación’s simulator confirms channel differences with electronic placements carrying higher TNAs than in‑branch offers and producing thousands of pesos more per million invested over 30 days.
- Regulation lets non‑clients open 30‑day term deposits online without paying constitution fees as long as they authorize a transfer from their own account and provide ID and CBU information.
- Concrete examples in coverage show the gap matters: investing at 24% versus 16% yields roughly an extra $6,500 per 1,000,000 pesos for 30 days and larger deposits scale those gains proportionally.
- Reporters caution that published TNAs change quickly so savers should verify the live rate and contractual terms before placing funds and weigh liquidity limits and inflation when judging real returns.