Fixed term or virtual wallet: where does $500,000 yield more in July 2026

The fight to capture the pesos that remain outside of traditional investments intensified again during July. Virtual wallets, interest-bearing accounts, and banks adjusted their rates, while money market funds also aligned their yields to the new financial scenario.

For a person with $500,000, the choice of platform can represent a difference of over $4,000 per month between the alternatives at the extremes of the ranking. The result varies even more depending on promotions, interest limits, and consumption requirements.

Difference between interest-bearing account, fixed term, and money market

An interest-bearing account offers a rate set by the institution and credits interest without the need to purchase a financial instrument. In contrast, virtual wallets associated with mutual funds show an estimated yield based on the recent performance of their portfolios.

The fixed term presents another dynamic: the money is immobilized for 30 days, and the agreed rate remains until maturity. In interest-bearing accounts and money market funds, the pesos retain immediate availability, although the remuneration may change during the month.

Which virtual wallets pay more for $500,000

The highest rate with guaranteed yield corresponds to Ualá Plus 2, with a TNA of 25%. To access it, the user must accumulate at least $500,000 in consumption and investments, with a maximum interest-bearing balance of $1 million.

With $500,000 deposited for 30 days, this rate generates an approximate gain of $10,274, bringing the final balance to $510,274.

• Fiwind: TNA 23%, gain of $9,452, limit of $750,000, no additional requirements

• Ualá Plus 1: TNA 22%, gain of $9,041, requires $250,000 in transactions

• Banco BICA Cuenta Positiva 4: TNA 22%, gain of $9,041, no requirements

Ranking of interest-bearing accounts without promotional conditions

Among the freely accessible options, without consumption requirements, the order is as follows:

• Fiwind: TNA 23%, gain of $9,452, limit $750,000

• Banco BICA Cuenta Positiva 4: TNA 22%, gain of $9,041, limit $750,000

• Carrefour Banco: TNA 20%, gain of $8,219, deposit limit of $4,356,000

• Banco BICA Cuenta Positiva 3: TNA 19%, gain of $7,808, limit $2,300,000

• Ualá: TNA 19%, gain of $7,808, limit $1,000,000

• Naranja X: TNA 18%, gain of $7,397, limit $1,000,000

• Banco Voii: TNA 17%, gain of $6,986

Naranja X also offers "jars" (mini fixed terms), with rates between 18% and 19% depending on the term. The higher rate requires immobilizing the money for 28 days, with an estimated yield of $7,288 on $500,000.

Promotional rates that require meeting conditions

Accounts with special benefits may rank first in the table, although the rate is not automatically available to all users.

• Ualá Plus 2: TNA 25%, gain of $10,274, requires $500,000 in transactions

• Ualá Plus 1: TNA 22%, gain of $9,041, requires $250,000 in movements

• Cresium (only for legal entities): TNA 18.01%, gain of $7,401

• Supervielle Salary Plan: TNA 15.10%, gain of $6,205

• Supervielle Hit IOL: TNA 15.10%, gain of $6,205

• Banco Nación (with salary in the institution): TNA 14%, gain of $5,753

Which wallets pay more through money market funds

Many virtual wallets do not pay interest on the balance with a fixed rate, but instead invest the pesos in a money market mutual fund, composed of time deposits, guarantees, and other short-term instruments. The yield can change daily.

• Lemon: TNA 18.73%, estimated yield of $7,697

• Prex: TNA 18.59%, estimated yield of $7,640

The gap between Lemon and Mercado Pago reaches about $509 monthly for every $500,000. Compared to the options at the bottom of the list, the gap approaches $1,500 per month.

How much does a fixed term of $500,000 yield

Traditional fixed terms pay competitive rates compared to numerous money market funds, although they require keeping the capital immobilized for 30 days, unlike what happens in virtual wallets. Among the surveyed entities, the best offers reach up to a TNA of 23%.

• Reba: TNA 23% (clients and non-clients), gain of $9,452

• Crédito Regional: TNA 23% clients / 22.5% non-clients, gain of $9,452 or $9,247

• Banco Meridian: TNA 22.25%, gain of $9,144

• Banco BICA: TNA 22%, gain of $9,041

• Banco CMF: TNA 22%, gain of $9,041

• Banco del Sol, Banco Mariva, and Bibank: TNA 21%, gain of $8,630

• Banco de Córdoba: TNA 20.75%, gain of $8,527

• Banco Hipotecario (non-clients): TNA 20.5%, gain of $8,425

Among the ten banks with the highest volume of deposits, Banco Provincia and Banco Macro pay 19.5% to their clients ($8,014 in 30 days). Banco Nación offers 19% ($7,808), BBVA pays 18.25% ($7,500), and Galicia and Credicoop are at 17.5% ($7,192).

ICBC offers 17.2%, Banco Ciudad 17%, while Santander and Banco Patagonia pay 16%, with a gain close to $6,575 monthly.

Which alternative pays more for $500,000

The highest gain in the entire comparison corresponds to Ualá Plus 2, with approximately $10,274 in 30 days, although access to the 25% requires accumulating $500,000 in specific transactions.

Without considering conditional promotions, Fiwind and the fixed terms at 23% from Reba or Crédito Regional yield about $9,452 monthly. Among the money market funds, Lemon leads the ranking with $7,697, followed by Prex with $7,640.

Between the 25% promotion and the alternatives at 15.07%, the estimated monthly income ranges from $10,274 to $6,193, a gap of over $4,000 per month on the same capital.