La Derecha Diario Ranking of virtual wallets: the best performances in March 2025
Discover the latest interest rates and compare the most profitable investment options in virtual wallets
This Friday, March 14, the main virtual wallets update their interest rates for options like fixed terms, remunerated accounts, and mutual funds.
Below, we provide the details of the most competitive interest rates.
The interest rates of remunerated accounts and mutual funds (FCI) are shown below. It is important to consider the limits established for each of the options.
| Virtual Wallet | Interest Rate |
|---|---|
| Ualá (Remunerated Account) | 32% |
| Cocos (FCI RM) | 30.66% |
| Naranja X (Remunerated Account) | 29% |
| Personal Pay (FCI MM) | 26.64% |
| Prex Argentina (FCI MM) | 26.28% |
| Mercado Pago (FCI MM) | 25.91% |
| IEB+ (FCI MM) | 25.19% |
| Claro Pay (FCI MM) | 24.82% |
| Astropay (FCI MM) | 24.82% |
| LetsBit Finanzas (FCI MM) | 24.46% |
| N1U (FCI MM) | 24.09% |
| Lemon Cash (FCI MM) | 23.73% |
How do remunerated accounts work?
Remunerated accounts allow you to generate daily interest on the deposited money without needing to make additional investments. Unlike a traditional savings account, these accounts offer returns. However, the interest is credited at the end of each month.
Mutual funds (FCI) offer a more flexible option compared to traditional fixed terms. Unlike fixed terms, mutual funds allow you to withdraw money quickly (within 24 to 48 hours), offering greater liquidity. However, the returns of both are similar.
Comparison of fixed-term interest rates in Argentine banks
Regarding fixed terms, banks have also adjusted their interest rates. If you are considering investing in a fixed term, here is a comparison:
| Bank | Interest Rate (TNA) |
|---|---|
| Banco Galicia | 28% |
| Banco Macro | 27.25% |
| Banco Nación | 25% |
| Banco Santander | 24% |
If you want to know the return on your investment, you can use El Economista's Fixed Term Simulator. You just need to enter the amount and the investment days to see how much each bank would pay you.
When is it convenient to make a fixed term?
Fixed terms are ideal for those seeking a safe and short-term investment. If you want to protect your money from inflation, this can be a good option to avoid losing purchasing power.
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