The virtual wallets in Argentina updated their interest rates and compete to attract deposits. This Wednesday, April 16, the new daily returns for remunerated accounts, mutual funds (MF), and fixed terms were announced.
The offer is varied, but some platforms pay more than 33% of NAR. Here we show you the best options to invest without complications.
Los usuarios de billeteras virtuales deberán estar atentos a los nuevos límites de transferencias
Which virtual wallet pays the most today?
These are the updated interest rates for digital wallets in April 2025:
Cocos (Mixed Income MF): 33.21%
Prex Argentina (Money Market MF): 33.21%
Personal Pay (MM MF): 32.48%
IEB+ (MM MF): 32.48%
Mercado Pago (MM MF): 31.75%
Claro Pay (MM MF): 31.03%
Lemon Cash (MM MF): 30.66%
Ualá (Remunerated account): 30%
N1U (MM MF): 29.93%
Astropay (MM MF): 29.93%
LetsBit Finanzas (MM MF): 29.2%
Naranja X (Remunerated account): 29%
*Ualá remunerates up to $1,000,000 with a cap of $26,300 per month. Naranja X remunerates up to $600,000.
How do remunerated accounts work?
Remunerated accounts generate daily interest on the deposited money. Unlike a regular savings account, the funds generate returns without immobilizing them.
Los Fondos Comunes de Inversión (FCI) ofrecen liquidez inmediata
The interest is credited at the end of the month. The user can use the money at any time without losing the accumulated returns.
What advantages do MFs have over traditional fixed terms?
Mutual Funds that invest in fixed income instruments usually yield similar to a fixed term. The main difference is the immediate liquidity.
Plazo fijo: qué bancos y billeteras virtuales ofrecen mejores tasas
The withdrawal can be made on the same day or within 24/48 hours, depending on the fund. This makes them a more flexible option for the average investor.
Interest rate of fixed terms in banks
The 10 banks with the most deposits
Banco Nación: 37%
Banco Galicia: 34%
Banco Provincia: 34%
Banco Galicia Más: 34%
Banco Credicoop: 34%
Banco Macro: 32.5%
Banco ICBC: 31.5%
Banco Santander: 31%
Banco BBVA: 29.25%
Banco Ciudad: 29%
Other entities with notable rates
Banco CMF: 38.25%
Banco Bica: 38%
Banco Voii: 38%
Banco Meridian: 37.25%
Banco Córdoba: 37%
Bibank: 37%
REBA: 37%
Banco COMAFI: 34%
Banco Corrientes: 34%
Banco del Chubut: 33%
Banco Voii: 30% en tasas para plazo fijo
Is it advisable to invest in fixed terms today?
Fixed term remains a low-risk alternative against inflation. It's useful for those looking to preserve their purchasing power in the short term.
The minimum term remains 30 days. If you need immediate liquidity, MFs might be a better option.
