Virtual wallets: how much each one pays in July 2026 and which offers the best rate

The virtual wallets have once again adjusted their yields in July 2026 in a context of competition to attract pesos. The rise of the dollar in recent weeks and an inflation rate close to 2% per month have driven new updates in the rates of interest-bearing accounts and mutual funds.

The main financial applications offer two alternatives to make money grow: interest-bearing accounts with fixed rates and Mutual Funds (FCI), whose yields vary according to market behavior.

Which virtual wallets offer the highest rates in July 2026

Among the virtual wallets and entities with guaranteed yields, these are the rates reported for July:

• Fiwind: 23% TNA. Bonus subject to change. Limit: $750,000.

• Banco BICA: 22% TNA (Positive Account 4). Limit: $750,000.

• Carrefour Banco: 21% TNA. Allows deposits of up to $4,356,000 per month.

• Banco Voii: 21% TNA. Interest-bearing savings account at no cost.

• Banco BICA: 19% TNA (Positive Account 3). From $750,001 to $2,250,000.

• Ualá: 19% TNA. Limit: $1,000,000.

• Naranja X: between 18% and 19% TNA depending on the chosen term.

• Banco BICA: 16% TNA (Positive Account 2). Up to $20,000,000.

Yields of mutual funds

The virtual wallets also offer Mutual Funds (FCI), whose yields can vary daily. These are the reported rates:

• Lemon: 20.04% TNA.

• Prex: 18.55% TNA.

• Ualá: 18.43% TNA.

• Adcap: 18.30% TNA.

• ICBC: 18.03% TNA.

What is the difference between an interest-bearing account and a mutual fund

Interest-bearing accounts offer a fixed rate, while Mutual Funds present variable yields according to the market.

In both cases, users can access their money without needing to immobilize it as happens with a fixed term deposit. For this reason, these alternatives continue to be used to manage pesos with immediate liquidity.