Overview
- Major lenders on Jan. 15 report TNAs near these levels: Banco Macro 24.5%, Banco Nación 23.5%, Provincia 23.5%, ICBC 23.5%, Credicoop 23%, Galicia 22%, BBVA 22%, Santander 21%, and Banco Ciudad 20.5%.
- Smaller and digital players advertise higher returns for non-clients, with Banco de Comercio and Banco CMF at 30%, Meridian and Voii at 29%, and Mariva and BICA at 28% according to the BCRA listing.
- Channel matters: Banco Nación’s simulator shows $1,000,000 placed online (TNA 23.5%) earns about $19,315 in 30 days versus roughly $16,849 if opened in-branch (TNA 20.5%).
- Concrete examples for savers: $280,000 placed for 30 days at Nación’s digital TNA of 23.5% yields about $5,408, while roughly $27.35 million earns about $550,747 in a month at the bank’s 24.5% electronic rate.
- Rates have steadied after prior declines, and the BCRA’s daily table remains the reference for current 30-day peso fixed-term offers across institutions.