Banco Mariva: 21.5%.
Bibank: 21.5%.
Banco Provincia: 21% for non-customers.
Banco del Sol: 21%.
Banco Provincia de Córdoba: 20.75%.
Banco Hipotecario: 20.5% for non-customers.
Fixed term: the best rates reach 22.25% and exceed $18,000 in interest for every $1 million over 30 days
Banco Mariva: 21.5%.
Bibank: 21.5%.
Banco Provincia: 21% for non-customers.
Banco del Sol: 21%.
Banco Provincia de Córdoba: 20.75%.
Banco Hipotecario: 20.5% for non-customers.
Banco Dino: 20%.
Banco Nación: 19%.
Banco Macro: 18.5%.
BBVA Argentina: 18.25%.
ICBC Argentina: 17.7%.
Banco Galicia: 17.5%.
Banco Credicoop: 17.5%.
Santander Argentina: 16%.
Banco Patagonia: 16%.
The possibility of establishing fixed-term deposits online without being a customer has expanded the options for those seeking a higher rate.
Several of the entities that appear in the top positions allow deposits to be made without having a bank account previously opened.
Conditions may vary by institution. Before investing, it is important to check the current TNA, the minimum required amount, and the terms of establishment and maturity.
During the third week of August, the rates show a significant gap. While some traditional entities offer 16%, the highest alternatives reach 22.25%.
The rates for fixed-term deposits show significant differences among banks during the third week of August. The best offers reach a 22.25% TNA, while some traditional entities offer returns starting from 16%.
Banco Meridian and Crédito Regional Compañía Financiera lead the ranking of rates. For every $1 million for 30 days, the return can exceed $18,000, depending on the chosen entity.
According to the rates surveyed during the third week of August, Banco Meridian and Crédito Regional Compañía Financiera offer the highest profitability, with a 22.25% TNA.
With that rate, a deposit of $1 million for 30 days generates approximately $18,287 in interest. At maturity, the saver receives about $1,018,287.
Following them are Banco BICA, Banco CMF, and Reba Compañía Financiera, with a TNA of 22%. In these cases, the same deposit produces about $18,082 in interest and reaches $1,018,082 at maturity.
Among the options with higher rates are also Banco Voii, with 21.75%; Banco Mariva and Bibank, with 21.5%; and Banco del Sol, with 21%.
Also exceeding 20% TNA are Banco Provincia de Córdoba, with 20.75%; Banco Hipotecario, with 20.5% for non-customers; and Banco Dino, with 20%.
The difference between the rates directly affects the interest received by the saver at the end of the placement.
22.25% TNA: generates approximately $18,287 in 30 days.
22% TNA: generates approximately $18,082 in 30 days.
16% TNA: generates approximately $13,151 in 30 days.
Between the maximum rate and one of the lowest in the survey, there is a difference of over $5,100 for every $1 million invested for 30 days.
Banco Meridian: 22.25%.
Crédito Regional Compañía Financiera: 22.25%.
Banco BICA: 22%.
Banco CMF: 22%.
Reba Compañía Financiera: 22%.
Banco Voii: 21.75%.