Overview

• The central bank on September 19 published an updated bank‑by‑bank table of 30‑day TNAs covering the largest deposit takers and reported offers for non‑clients.
• Large incumbents now post roughly mid‑30s to low‑40s TNAs, including Nación at 43%, Provincia at 37%, Santander at 38%, Galicia at 37%, BBVA at 38%, Macro at 40.5%, ICBC at 42.3% and Ciudad at 35%.
• Smaller and digital players continue to promote higher yields, with reported top offers near 50–55% TNA depending on amount and channel, including Banco Voii, Banco del Sol and Meridian.
• Several major banks lowered their quoted 30‑day rates earlier in September in moves described as aligned with recent BCRA policy, deepening the dispersion now reflected in official listings.
• Consumers are using the BCRA comparison and banks’ online tools to open 30‑day deposits, with remote options available for both clients and non‑clients.