With average rates of 25%, investing $3,500,000 yields almost $72,000 in 30 days
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The fixed-term deposit continues to be one of the most popular options for those who are looking to protect pesos without taking on major risks. Its main advantage is predictability: from the first day you know how much you are going to receive at maturity.
According to a survey by TN, rates have moved again in recent days. The average Nominal Annual Rate (TNA) is around 25%, below the 26% that was seen at the beginning of the month.
Los depósitos en pesos también aumentaron
How much you earn by investing $3,500,000 in a 30-day fixed-term deposit
With a 25% TNA, an investment of $3,500,000 for 30 days generates estimated interest of $71,917.81. At the end of the period, the saver would receive $3,571,917.81. That amount includes the initial principal plus the profit obtained.
The figure may vary depending on the bank chosen. Each institution sets its own rate within the current regulatory framework.
What rate each bank pays today for a 30-day fixed-term deposit
According to the survey published by TN, these are some of the current rates:
Banco Nación: 25%
Banco Provincia: 25%
Banco Santander: 23%
Banco Galicia: 23%
BBVA: 23%
Banco Macro: 28%
Banco Credicoop: 24%
ICBC: 23.5%
Banco Ciudad: 23%
Reba: 34%
Banco CMF: 33.5%
Banco Voii: 33.5%
Banco Meridian: 33.25%
Banco BICA: 33%
El Banco Nación volvió a recibir un respaldo clave del mercado financiero
Some digital institutions offer higher returns than traditional banks. It is advisable to compare before investing.
How to open a 30-day fixed-term deposit, step by step
Log in to the bank's online banking or app.
Select the "Investments" or "Fixed-term deposit" option.
Enter the amount, for example $3,500,000.
Choose a term of 30 days.
Confirm the transaction and save the receipt.
The money remains locked until maturity. When the term is reached, it is automatically credited to your account.
Plazo fijo a 30 días (BNA)
What a fixed-term deposit is and what it is for
The traditional fixed-term deposit is a financial instrument that allows you to deposit money for a set period of time in exchange for a fixed rate. It is designed for conservative profiles.
Although it may fall short of inflation in some contexts, it remains a key tool to protect capital in the short term with a low level of risk.
