Virtual wallets and interest-bearing accounts offer different alternatives to earn interest on available funds. As of the end of October 2026, Ualá Plus 2 tops the list of fixed rates, with a yield of 24% nominal annual rate (TNA), although it requires meeting a condition to access that percentage.
The data comes from comparatasas.ar, which gathers and compares the yieldsof interest-bearing accounts, digital wallets, stable cryptocurrencies, and mutual funds.
Virtual wallets and paid accounts offer different alternatives for earning interest
Ranking of virtual wallets and interest-bearing accounts
Among the alternatives with guaranteed returns, the highest rates correspond to accounts that may have usage requirements or limits on the interest-bearing balance. This is the ranking of the main options reported as of October 30:
Ualá Plus 2: 24% TNA, with a limit of $1,000,000. Requires accumulating $500,000 in transactions.
Fiwind: 23% TNA, with a limit of $750,000. The bonus does not have guaranteed validity and may change.
Banco BICA Cuenta Positiva 4: 22% TNA for balances from $1 to $750,000.
Cresium: 20.07% TNA, with no reported limit, available only for legal entities.
Carrefour Banco: 20% TNA, with no reported limit on the interest-bearing balance and a maximum monthly income of $4,694,400.
Naranja X: 20% TNA, with a limit of $1,000,000.
Ualá Plus 1: 20% TNA, with a limit of $1,000,000 and the requirement to accumulate $50,000 in transactions during the month.
Ualá: 19% TNA for balances from $10,000, with no need for additional actions, with a limit of $1,000,000.
The list also includes banking alternatives with specific conditions. Banco Nación offers a rate of 14% TNA for salary account holders, while Supervielle pays the same percentage to Plan Sueldo clients and Supervielle Hit IOL to those with such an account.
What options offer the highest rates
In addition to traditional interest-bearing accounts, comparatasas.ar records alternatives of crypto pesos, stablecoins linked to the Argentine peso. Among the published options, CapyFi offers a yield of 22.26% TNA, Ripio 21.92%, and Belo 19.01%, all with no reported limit.
What options offer the highest rates
There are also mutual funds, although their yields are variable and do not equate to a guaranteed rate. In the very low-risk category, the Vinci Compass Liquidez Clase F fund, associated with Lemon, registers an estimated TNA of 20.81% for 30 days. It is followed by Vinci Compass Liquidez Clase D, linked to Global66, with 20.56%, and Allaria Ahorro Clase E, associated with Prex, with 19.91%.
What to consider before choosing a virtual wallet
The highest rate does not always mean that all the deposited money will generate interest at the same percentage. Some accounts have balance caps, activity requirements, or special conditions, while mutual funds may modify their yield according to the market.
What to consider before choosing a virtual wallet
Before choosing an option, it is advisable to review:
The TNA: allows for comparing the reported nominal annual rate.
The interest-bearing limit: determines up to what amount interest is generated.
The requirements: some rates depend on monthly transactions or having a salary account.
The availability of funds: it is necessary to verify the withdrawal conditions and applicable deadlines.
The update date: yields may change and differ from what each application shows.
Past yields do not guarantee future results. Therefore, before depositing money, it is important to check the current rate and conditions directly in the corresponding application or entity.
