04/07/2026 14:23 - Economia
The arrival of the first installment of the Annual Complementary Salary (SAC), commonly known in Argentina as aguinaldo (a mandatory mid-year bonus equivalent to 50% of the highest monthly salary), brings an excellent opportunity to make your savings work for you.
According to sources from the Central Bank of the Argentine Republic (BCRA), on July 3, 2026, the ranking of rates for 30-day fixed-term deposits (plazo fijo) was updated. The differences between institutions could make a significant change in the monthly profits of investors.
The Nominal Annual Rate (TNA) is the interest percentage that a bank will pay for the money deposited during a year. In the case of 30-day fixed-term deposits, the saver will collect the twelfth part of that rate at the end of the month.
According to data from Infobae, the gap between the lowest-paying and the highest-paying entity will exceed 1,700 ARS monthly for every 300,000 ARS invested, which shows the importance of comparing conditions before making a decision.
For those who prefer institutions with a larger national presence, the options will present the following rates:
Financial companies and digital banks will offer the highest yields, with 100% online modalities accessible to both clients and non-clients:
| Institution | TNA | Profit per 300,000 ARS |
|---|---|---|
| Credito Regional / Reba / Banco del Sol | 23% | 305,671.23 ARS |
| Banco Meridian | 22.5% | 305,547.95 ARS |
| Banco CMF / Banco Bica / Banco VOII | 22% | 305,424.66 ARS |
| Banco de la Provincia de Cordoba | 20.75% | 305,116.44 ARS |
| Banco Dino | 20% | 304,931.51 ARS |
Comparing options will be the key to optimizing income. Choosing an institution with a competitive rate will allow the money earned during the year to bear fruit safely and beneficially, boosting the value of the mid-year bonus in a low-inflation scenario.
Alfredo S. Quiroga
