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20h ago

BCRA Publishes Bank-by-Bank 30-Day Peso Deposit Rates as Offers Diverge

With the minimum floor removed, banks set their own yields, creating sharp differences across institutions and channels.

Un plazo fijo permite ganar $300.000 en apenas 30 días, siguiendo una inversión concreta y según la tasa de interés vigente (Imagen ilustrativa).
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¿Vale la pena invertir $300.000 a 30 días en un plazo fijo?
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Overview

  • Major banks list roughly 20.5%–23.5% TNA for 30-day online placements, including Banco Nación, Macro, and ICBC at 23.5%, Provincia at 22%, and Ciudad at 20.5%.
  • Several smaller institutions post higher online rates up to about 28% TNA, such as Banco BICA, CMF, Meridian, Voii, and Crédito Regional.
  • Official data shows electronic placements typically pay more than in-branch deposits, with channel choice materially affecting returns.
  • Banco Nación’s simulator indicates that a 300,000‑peso deposit for 30 days earns about 5,794 pesos online at 23.5% TNA versus about 5,055 pesos in a branch at 20.5% TNA.
  • Coverage notes recent declines in peso deposit rates, leaving most 30‑day offers in the 20%–30% range, and examples show earning roughly 600,000 pesos in a month requires around 29.8 million pesos invested.