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3h ago

BCRA Table Shows Wide Split in 30‑Day Peso Deposit Rates, Online Offers Hit 54%

An updated Central Bank table highlights wide gaps by bank and channel.

El plazo fijo es una opción tentadora para ahorrar los pesos.
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Las tasas de interés sufrieron un aumento durante los últimos días.
Cuánto se gana con una inversión de $650.000 a 30 días

Overview

  • The BCRA’s October 20 comparator lists several smaller or digital banks at 54% TNA for 30‑day online deposits (VOII and CMF at the top, with Bica up to 54%), while large banks cluster lower such as Macro at 48% and Banco Nación at 44%.
  • Banco Nación applies 44% TNA for online plazo fijos versus 34% at branches, and its stated minimums are $500 online and $1,500 in‑branch.
  • According to Banco Nación’s simulator, earning just over $100,000 in 30 days requires roughly $2.8 million online or about $3.6 million at a branch.
  • A 44% TNA equates to roughly 3.66% for 30 days, which exceeds INDEC’s September inflation reading of 2.1%.
  • Competing options show higher nominal yields, with digital wallets and money‑market funds around 57%–61% TNA, while traditional plazo fijo deposits remain covered by the BCRA’s deposit insurance.