In Argentina, where inflation remains high—July recorded the highest year-on-year increase in a year—savers are constantly looking for ways to protect the value of their pesos. The race between digital wallets, which offer daily interest on available balances, and traditional fixed-term deposits (plazo fijo) is tighter than ever. Here's a clear breakdown of the best rates as of August 19, 2026, based on data from La Nueva and Infobae.
Digital Wallets: High Liquidity, Competitive Rates
Virtual wallets in Argentina often pay interest through money market funds (FCI) or directly on your balance. The best rates for August 2026 are:
| Wallet / Account | TNA | Conditions |
|---|---|---|
| Ualá Plus 2 | 24% | Up to $1,000,000 |
| Ualá Plus 1 | 21% | Up to $1,000,000 |
| Banco BICA (Cuenta Positiva 4) | 22% | Up to $750,000 |
| Fiwind | 21% | Limit $750,000 |
| Cocos Pay | 20.81% | Money market fund |
| Carrefour Banco | 20% | Monthly income up to $4,468,800 |
| Lemon Cash | 20.07% | Money market fund |
| Personal Pay | 18.98% | Money market fund |
| Mercado Pago | 18.61% | Money market fund |
| Naranja X | 17% – 18% | Depending on segment, limit $1,000,000 |
| Brubank | 18% | Remunerated account |
| Banco Voii | 17% | Remunerated savings account |
These rates are estimated and can vary daily because they are tied to money market funds. Unlike a fixed deposit, you can withdraw your money at any time without losing earned interest.
Fixed Deposits: Guaranteed Rates, Locked Money
If you prefer certainty, the Central Bank publishes daily rates for all banks. The best online 30-day fixed deposit rates in August 2026 are:
| Bank | TNA (30 days) |
|---|---|
| Banco de Comercio | 23% |
| Reba | 23% |
| Banco Mariva | 23% |
| Banco CMF | 22.5% |
| Bibank | 22.5% |
| Crédito Regional CF | 22.5% |
| Banco Meridian | 22.25% |
| Banco Voii | 22.25% |
| Banco BICA | 22% |
| Banco Columbia | 22% |
| Banco del Sol | 21% |
| Banco de Córdoba | 20.75% |
| Banco Dino | 20% |
| Banco Provincia | 19.5% |
| Banco Nación (online) | 19% |
| Banco Macro | 18.5% |
| BBVA | 18.5% |
| ICBC | 17.7% |
| Galicia | 17.5% |
| Credicoop | 17.5% |
| Ciudad | 17% |
| Santander | 16% |
| Patagonia | 16% |
Note that the TNA (Nominal Annual Rate) is the annual interest rate without compounding. For a 30-day deposit, the monthly return is roughly TNA/12, before any taxes.
Practical Example: $2,000,000 at 30 Days
According to Radio Mitre, with $2,000,000 in a Banco Nación fixed deposit:
- In branch (TNA 15.50%): interest of $25,479.45, total at maturity $2,025,479.45.
- Via home banking (TNA 19%): interest of $31,232.88, total $2,031,232.88.
The difference between the two channels is $5,753.43 in favor of the digital option—a clear incentive for online banking.
If you instead choose a digital wallet like Ualá Plus 2 (24% TNA), the monthly yield would be approximately $39,452, with the added flexibility of withdrawing anytime.
What Should You Choose?
The decision depends on your profile:
Fixed Deposit
✔ Guaranteed rate from day one.
✔ Know exactly what you'll earn.
✖ Money locked for 30 days or more.
✖ Early cancellation loses interest.
Digital Wallet
✔ Daily interest and immediate liquidity.
✔ Use money for payments and transfers.
✖ Variable rate, can change without notice.
✖ Some have balance caps.
Financial advisors suggest combining both: keep a portion in remunerated accounts for daily expenses and another in fixed deposits for short-term goals. Always read the fine print and compare rates before committing.
Sources: La Nueva | Infobae | La Nación | Radio Mitre