Remunerated accounts offer rates of up to 24% TNA, although several have caps, requirements, or special conditions
Supervielle: 19.15%.
Toronto Ahorro: 19.03%.
Macro Pionero Pesos · Clase A: 16.98%.
Lemon: 20.19%.
Ualintec Ahorro Pesos: Clase A: 19.62%.
Some alternatives offer a competitive TNA, but the yield depends on balance limits, terms, or specific conditions.
Banco BICA, Cuenta Positiva 2: 16% TNA for balances from $2,250,001 to $20,000,000.
Remunerated accounts offer different rates to keep available pesos and generate interest. Some proposals exceed 20% TNA, although they apply limits and conditions.
Among banks and virtual wallets, the options vary depending on the amount deposited, the type of account, and the requirements to access the highest yield.
Among the proposals with yield, Banco BICA leads the list with a rate of up to 22% TNA through Cuenta Positiva 4. The benefit applies to balances of up to $750,000.
Following are Carrefour Banco and Fiwind, with rates of up to 21% TNA. In the case of Fiwind, the yield has a limit of $750,000 and the bonus is subject to change.
Also noteworthy are Banco BICA with 19% TNA in Cuenta Positiva 3, Ualá, and other alternatives with different conditions depending on the balance.
The rates of the different platforms show significant differences. The following is the list of yields expressed in TNA included in the available information:
Galicia: 16.72%.
Fiwind: 16.64%.
Santander: 17.27%.
YPF: 17.27%.
Ciudad Buepp: 18.04%.
Balanz: 17.14%.
AstroPay: 16.15%.
LB Finanzas: 16.15%.
Mercado Pago: 18.53%.
Cocos Ahorro: 18.06%.
ICBC: 18.62%.
IEB+: 18.87%.
Personal Pay: 18.71%.
Adcap: 19.34%.
CencoPay: 18.70%.
Claro Pay: 18.70%.
Prex: 19.31%.
Global66 · Compass Liquidez - Clase A: 19.94%.
Banco Voii: 17% TNA, with monthly interest.
Naranja X: 18% TNA, with a limit of $1,000,000.
Ualá: 18% TNA, with a limit of $1,000,000.
Frascos Naranja X: 18% TNA, with yield depending on terms of 7, 14, or 28 days.
Banco BICA, Cuenta Positiva 3: 19% TNA for balances from $750,001 to $2,250,000.
Fiwind: 20% TNA, with a limit of $750,000 and bonus subject to change.
Carrefour Banco: 21% TNA, with a monthly income limit of $4,468,800.
Banco BICA, Cuenta Positiva 4: 22% TNA for balances of up to $750,000.
There are also proposals that require a prior linkage or are available only for certain customer profiles.
Banco Nación: 14% TNA for amounts up to $2 million in the salary segment.
Supervielle Plan Sueldo: 14.5% TNA for clients with salary credits, with a cap of $1 million.
Supervielle Hit IOL: 14.5% TNA for users of the Hit account.
Cresium: 20.4% TNA, available only for corporate accounts.
Ualá Plus 1: 21% TNA, with a limit of $1 million and the requirement to accumulate $250,000 between investments and expenses.
Ualá Plus 2: 24% TNA, with a cap of $1 million and the requirement to accumulate $500,000 between investments and expenses.
The annual nominal rate is not the only data worth comparing. Balance limits, requirements, and conditions can modify the effective yield of each proposal.
Remunerated accounts and money funds allow for maintaining availability of funds while generating yield. Therefore, before choosing an alternative, it is important to review what conditions apply to the balance you wish to maintain.
