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last mo.

BCRA Table Shows 30-Day Deposit Rates Split: 44% at Major Banks, Up to 54% at Digital Lenders

Analysts expect the current stance to hold for now, with a possible increase if the dollar moves higher after the elections.

Qué banco paga más por un plazo fijo
Depósito a plazo fijo: conoce las tasas de interés más atractivas del mercado a octubre del 2025, según la SBS
Image
El plazo fijo sigue siendo la opción elegida por los ahorristas que buscan seguridad y rendimiento estable (Imagen ilustrativa).

Overview

  • The central bank’s daily comparator lists many large institutions near 44% TNA for 30‑day plazo fijo, including Banco Nación at 44%.
  • Regional and digital players lead with top offers of 52%–54% TNA, with VOII, CMF, Meridian, Crédito Regional and BICA among the highest.
  • Several banks lifted rates in recent weeks, nudging the market average from roughly 39% to about 44% TNA.
  • Rates vary by channel, as Banco Nación’s simulator shows 44% TNA for electronic placements versus about 34% for in‑branch deposits.
  • The BCRA’s comparator highlights which banks accept non‑clients online, and market commentary suggests policy could tighten if post‑election FX pressure intensifies.