Aguinaldo: best rates from apps and banks to invest in December 2025

The payment of the aguinaldo once again triggers the search for returns among those who want to prevent their pesos from losing value. In a context where inflation is easing but idle money remains at risk, virtual wallets, digital banks, and mutual funds compete with each other. According to data collected by ComparaTasas, offers range from 15% to 32% APR, a gap that can translate into thousands of pesos' difference in just a few weeks.

Fixed-term deposits: fixed return at 30 days

For those seeking total predictability, the traditional fixed-term deposit remains the most popular option. The agreed rate at the time of opening is maintained until maturity, regardless of market fluctuations. Crédito Regional leads with 29.50% APR, followed by Banco Meridian and Banco Voii with 28.50%. Another group of institutions (such as BICA, CMF, Banco del Sol, and Tierra del Fuego) pays 27% APR, along with fintech Ualá. In the 26% to 26.50% APR range are provincial, private, and digital banks, while Banco Nación, ICBC, and Hipotecario are around 24%. Major private banks such as Santander, Galicia, and BBVA offer the lowest rates, close to 21% APR.

Interest-bearing accounts: fixed rate with money always available

For those who prefer immediate liquidity without sacrificing returns, interest-bearing accounts offer guaranteed rates as long as the institution doesn't change them going forward. Carrefour Banco leads the segment with 32% APR. Next are Naranja X with 22% to 25% APR depending on the account version, and Ualá with 24% APR for balances up to $1,000,000. Fiwind completes the podium with 21% APR.

Premium rates: better returns in exchange for activity

Some platforms pay more if the user keeps certain levels of spending or investment. Ualá Plus 2 reaches 30% APR for those who accumulate $500,000 per month among purchases, investments, and collections. The Plus 1 level offers 27% APR. Supervielle matches the 27% APR for clients with Payroll Plan, while Cresium pays 21% APR for companies.

Money market funds: variable return and high liquidity

Money market mutual funds allow money to be moved without immobilizing it, although their rates fluctuate daily because they are not guaranteed.

Cocos Rendimiento led the first week of December with 25.71% APR, although it is a mixed-income fund with greater volatility. Among pure money market funds, Allaria Ahorro (22.70% APR), Adcap Ahorro Pesos (21.83%), Ualintec (20.98%), and Toronto Trust (20.10%) stood out. In the intermediate segment are Balanz Capital, Personal Pay, Claro Pay, Mercado Pago, and Santander, with returns close to 19%. At the bottom of the ranking, platforms such as AstroPay or LB Finanzas are around 15% APR.