The fight to capture the pesos that remain outside of traditional investments intensified again during July. Virtual wallets, interest-bearing accounts, and banks adjusted their rates, while money market funds also aligned their yields to the new financial scenario.
For a person with $500,000, the choice of platform can represent a difference of over $4,000 per month between the alternatives at the extremes of the ranking. The result varies even more depending on promotions, interest limits, and consumption requirements.
Difference between interest-bearing account, fixed term, and money market
An interest-bearing account offers a rate set by the institution and credits interest without the need to purchase a financial instrument. In contrast, virtual wallets associated with mutual funds show an estimated yield based on the recent performance of their portfolios.
The fixed term presents another dynamic: the money is immobilized for 30 days, and the agreed rate remains until maturity. In interest-bearing accounts and money market funds, the pesos retain immediate availability, although the remuneration may change during the month.
Which virtual wallets pay more for $500,000
The highest rate with guaranteed yield corresponds to Ualá Plus 2, with a TNA of 25%. To access it, the user must accumulate at least $500,000 in consumption and investments, with a maximum interest-bearing balance of $1 million.
With $500,000 deposited for 30 days, this rate generates an approximate gain of $10,274, bringing the final balance to $510,274.
Fiwind: TNA 23%, gain of $9,452, limit of $750,000, no additional requirements
Ualá Plus 1: TNA 22%, gain of $9,041, requires $250,000 in transactions
Banco BICA Cuenta Positiva 4: TNA 22%, gain of $9,041, no requirements
Ranking of interest-bearing accounts without promotional conditions
Among the freely accessible options, without consumption requirements, the order is as follows:
Fiwind: TNA 23%, gain of $9,452, limit $750,000
Banco BICA Cuenta Positiva 4: TNA 22%, gain of $9,041, limit $750,000
Carrefour Banco: TNA 20%, gain of $8,219, deposit limit of $4,356,000
Banco BICA Cuenta Positiva 3: TNA 19%, gain of $7,808, limit $2,300,000
Ualá: TNA 19%, gain of $7,808, limit $1,000,000
Naranja X: TNA 18%, gain of $7,397, limit $1,000,000
Banco Voii: TNA 17%, gain of $6,986
Naranja X also offers "jars" (mini fixed terms), with rates between 18% and 19% depending on the term. The higher rate requires immobilizing the money for 28 days, with an estimated yield of $7,288 on $500,000.
Promotional rates that require meeting conditions
Accounts with special benefits may rank first in the table, although the rate is not automatically available to all users.
Ualá Plus 2: TNA 25%, gain of $10,274, requires $500,000 in transactions
Ualá Plus 1: TNA 22%, gain of $9,041, requires $250,000 in movements
Cresium (only for legal entities): TNA 18.01%, gain of $7,401
Supervielle Salary Plan: TNA 15.10%, gain of $6,205
Supervielle Hit IOL: TNA 15.10%, gain of $6,205
Banco Nación (with salary in the institution): TNA 14%, gain of $5,753
Which wallets pay more through money market funds
Many virtual wallets do not pay interest on the balance with a fixed rate, but instead invest the pesos in a money market mutual fund, composed of time deposits, guarantees, and other short-term instruments. The yield can change daily.
Lemon: TNA 18.73%, estimated yield of $7,697
Prex: TNA 18.59%, estimated yield of $7,640
