Investments: which virtual wallet pays the most today in Argentina

Virtual wallets and banks once again adjusted their interest rates in Argentina. With the new scenario, many users are trying to find out where it is more convenient to keep their money so that it yields more.

There are different alternatives today: interest-bearing accounts, Mutual Funds (FCI), and time deposits. Each option has different returns and liquidity levels.

Which virtual wallet pays the most today

Among digital wallets, the best returns are concentrated in products linked to Mutual Funds and interest-bearing accounts.

Currently, Cocos leads the ranking with a NAR of 29.05% through a mixed-income mutual fund.

Ranking of rates in virtual wallets

• Prex Argentina: 26.86%
• Mercado Pago: 26.68%
• IEB+: 26.02%
• Ualá: 26.00%
• Claro Pay: 25.55%
• Lemon Cash: 24.71%
• Naranja X: 21.00%

In several cases, the rate or the interest-bearing amount has a cap, depending on the invested capital.

How interest-bearing accounts work

Interest-bearing accounts generate daily interest on the available balance. The money remains liquid.

The interest is credited at the end of the month, unlike a traditional savings account.

Mutual fund or time deposit: which is more convenient

Money Market Mutual Funds offer returns similar to time deposits. The key difference is liquidity.

In many mutual funds, the money can be withdrawn on the same day or within 24 to 48 hours.

Which banks pay better on time deposits

Among traditional banks, rates range between 20.5% and 27.5% for 30-day placements.

Some smaller institutions exceed 30% NAR, although with a lower volume of deposits.

When it is convenient to make a time deposit

Time deposits remain a low-risk option. They are useful for those who seek predictability.

The minimum term is 30 days. Before that time, the money can't be withdrawn.