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13h ago

BCRA Says Banks Cut 30-Day Fixed-Deposit Rates as Average Settles Near 35%

Online channels now pay notably more than branches, with offers still ranging roughly from 30% to 46% TNA across institutions.

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Overview

  • The central bank reported most lenders lowered term-deposit yields in recent days, reversing the post-election spike.
  • Major-bank 30-day TNAs cluster near 35%, including ICBC at 35.3%, Banco Nación at 35%, Macro at 34%, Credicoop at 33%, and BBVA and Ciudad at 32%.
  • Rate dispersion remains wide, with Meridian and Crédito Regional near 46% annually and Banco de Formosa around 30%.
  • Channel gaps persist at Banco Nación, where electronic placements pay 35% TNA (TEA 41.21%) versus about 29.5%–30.5% in branches.
  • Investor math from Nación’s simulator shows $1,000,000 yields about $28,767 in 30 days online, while roughly $11,000,000 targets $340,000 and about $16.23 million aims for $500,000.