Interest-Bearing Accounts: Which Banks and Virtual Wallets Offer the Highest Rates

The menu of options for pesos adds a new chapter in the city, and small savers are fine-tuning their strategies: no one wants to leave their savings account balance stagnant while the annual nominal rate (TNA) struggles to gain a few points of real yield.

The fintech ecosystem and traditional banking are currently engaged in a low-intensity battle, but with high liquidity. The main attraction lies in the immediacy, as unlike the rigidity of a 30-day fixed term, interest-bearing accounts and money market funds offer daily accrual with immediate liquidity availability.

However, to navigate this universe of yields, it is essential to scrutinize the fine print, where coverage caps, tiered amounts, and conditional bonuses emerge.

When examining the schemes that ensure returns with fixed rules, Banco BICA leads the list with its tiered scheme Cuenta Positiva 4, which has a ceiling of 22% TNA, although the benefit operates exclusively up to an amount of $750,000. Following closely are Carrefour Banco and the wallet Fiwind, both offering a 21% TNA, although the latter imposes a cap of $750,000 and keeps the bonus subject to market reviews.

One tier lower, BICA's intermediate proposal (Positiva 3, from $750,001 to $2,250,000) offers 19% TNA, accompanied by Naranja X and followed by the fintech Ualá. The guaranteed rate grid is completed with the proposal from Banco Voii (17% TNA) and the upper balance tier of BICA (Positiva 2, up to $20 million), which stands at 16% TNA.

Yields (TNA)

• 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%
• Supervielle: 19.15%
• Toronto Ahorro: 19.03%
• Macro Pionero Pesos · Clase A: 16.98%
• Lemon: 20.19%
• Ualintec Ahorro Pesos: Clase A: 19.62%

Yield Tied to Special Conditions

• Banco BICA (Cuenta Positiva 2): 16% TNA (from $2,250,001 to $20,000,000)
• Banco Voii: 17% TNA (monthly interest)
• Naranja X: 18% TNA (limit of $1,000,000)
• Ualá: 18% TNA (limit of $1,000,000)
• Frascos Naranja X: 18% TNA (yield according to terms of 7, 14, or 28 days)
• Banco BICA (Cuenta Positiva 3): 19% TNA (from $750,001 to $2,250,000)
• Fiwind: 20% TNA (limit: $750,000 with bonus subject to changes)
• Carrefour Banco: 21% TNA (income limit of $4,468,800 per month)
• Banco BICA (Cuenta Positiva 4): 22% TNA (up to $750,000)

Segmented Offer with Fine Print

When analyzing promotions that require prior linkage or specific profiles, the figures show the highest peaks in the sample, albeit with access restrictions:

• Banco Nación: Closes this segment with a 14% TNA applied to amounts of up to $2 million for the salary segment.
• Supervielle (Plan Sueldo) / Supervielle Hit IOL: Offer a 14.5% TNA for clients with salary accreditation or users of the Hit account, with a cap of $1 million in the first case.
• Cresium: Positions itself with a 20.4% TNA, with the caveat of operating only for legal entity accounts.
• Ualá Plus 1: Marks the second tier with a 21% TNA, sharing the same cap of $1 million (after accumulating $250,000 between investments and expenses).
• Ualá Plus 2: Leads the general list with a 24% TNA, setting a placement cap of $1 million (after accumulating $500,000 between investments and expenses).

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