Argentina continues to be a land of opportunities for savers who are willing to compare. In a context where the July inflation reached 2.1% monthly and 33.8% year-on-year, financial institutions adjust their rates daily to attract clients. Both virtual wallets and traditional banks offer returns that can make a significant difference at the end of the month. Here's the latest ranking as of August 19, 2026.
📱 Virtual Wallets: Immediate Liquidity with Returns
Virtual wallets have become the go-to choice for those who want to earn interest without giving up access to their money. Most use Money Market Mutual Funds (FCI) to remunerate balances, crediting returns daily. Some offer guaranteed rates on certain amounts, while others rely on variable fund performance.
| Wallet / Platform | Rate (TNA) | Type |
|---|---|---|
| Ualá Plus 2 | 24% | Guaranteed up to $1,000,000 ARS |
| Ualá Plus 1 | 21% | Guaranteed up to $1,000,000 ARS |
| Fiwind | 21% | Bonus rate |
| Cocos Pay | 20.81% | Variable FCI |
| Carrefour Banco | 20% | Guaranteed |
| Cresium | 20.3% | For legal entities |
| Lemon Cash | 19.37% | Variable FCI |
| Claro Pay | 19.34% | Variable FCI |
| Personal Pay | 18.98% | Variable FCI |
| Mercado Pago | 18.61% | Variable FCI |
| Brubank | 18% | Remunerated account |
| Naranja X | 17-18% | Jars or account |
| Banco Voii | 17% | Remunerated savings account |
🏦 Fixed-Term Deposits (Plazo Fijo): The Security of a Known Rate
For those who prefer to know exactly how much they will earn, a fixed-term deposit remains a solid option. However, money is locked in for at least 30 days. The largest banks offer rates between 16% and 19.5%, but medium-sized banks and financial institutions compete with rates above 22%.
Traditional Banks (30 days, online)
| Bank | TNA |
|---|---|
| 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% |
| Patagonia | 16% |
| Santander | 16% |
Medium Banks and Financial Institutions with Higher Rates
| Institution | TNA |
|---|---|
| Banco de Comercio | 23% |
| Banco Mariva | 23% |
| Reba | 23% |
| Banco CMF | 22.5% |
| Bibank | 22.5% |
| Crédito Regional | 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% |
💡 Practical Example: What You Earn with ARS 5,000,000 for 30 Days?
- ✅ Banco Nación (branch, 15.5%): interest of ARS 63,698 → total ARS 5,063,698
- ✅ Banco Nación (online, 19%): interest of ARS 78,082 → total ARS 5,078,082
- ✅ Banco de Comercio (23%): interest of ARS 94,520 → total ARS 5,094,520
- ✅ Ualá Plus 2 (24%, up to ARS 1,000,000): for ARS 1,000,000, interest of ARS 19,726 in 30 days
The difference between the lowest and highest rate for ARS 5,000,000 exceeds ARS 30,000 in a single month. That's why comparing before investing is key.
📊 Economic Context
Argentina's Central Bank maintains a contractionary monetary policy to reduce inflation. The reference rate (TAMAR) stands at 24.56%, and BADLAR (average deposit rate) is 23.31%. The BCRA's survey allows comparison across institutions, but remember that since 2024 each bank sets its own rates freely.