Overview
- As of Jan. 19, smaller and digital banks such as VOII/Meridian and Banco de Comercio post 31–31.5% TNA, while large incumbents list roughly 21–27.5%.
- A $1,000,000 peso deposit earns about $25,890 at 31.5% TNA versus $21,369 at 26%, highlighting the monthly gap for identical terms.
- Reporters urge deactivating automatic renewal so each maturity can be placed at the best available rate as banks update pricing frequently.
- UVA-linked deposits preserve purchasing power by indexing to inflation but require a 180-day minimum term with limited liquidity.
- Deposit insurance covers up to ARS 25,000,000 through SEDESA, and INDEC reports December inflation at 2.8% with 2025 at 31.5%, framing real-return choices.