Updated ranking of virtual wallets and banks: which one pays more this Friday, February 13?
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Virtual wallets and banks updated their rates again this Friday, February 13. In a context of tight returns, each point of the Annual Nominal Rate (TNA) can make the difference.
According to the survey reported by financial institutions, these are the current rates on interest-bearing accounts, mutual funds (FCI) andtime deposits in Argentina.
Los usuarios de billeteras virtuales deberán estar atentos a los nuevos límites de transferencias
Which virtual wallet pays more today
This is how virtual wallet interest rates for daily returns stand:
Cocos (FCI RM): 28.07%
Prex Argentina (FCI MM): 26.10%
Ualá (Interest-bearing account): 26.00%
Naranja X (Interest-bearing account): 25.00%
Personal Pay (FCI MM): 24.56%
Mercado Pago (FCI MM): 23.80%
Astropay: 23.03%
Claro Pay: 22.81%
N1U: 22.52%
Lemon Cash: 22.48%
LB Finanzas: 22.37%
IEB+: 21.97%
*Rates may vary depending on the amount invested or remuneration caps.
How interest-bearing accounts work
Interest-bearing accounts generate daily interest on the deposited money. Unlike a traditional savings account, the balance starts yielding returns automatically.
La billetera virtual que escapa a los controles de ARCA
The user can withdraw the money at any time. The interest is credited periodically without the need to "tie" the funds to a time deposit.
Mutual funds vs. time deposits: which is more convenient
Money market mutual funds offer returns similar to time deposits. The key difference is the immediate liquidity.
El proceso para pedir el prestamo de Mercado Pago
In most cases, the money can be withdrawn on the same day or within 24 to 48 hours. The traditional time deposit requires immobilizing the capital for at least 30 days.
How much the main banks pay
Among the banks with the largest volume of deposits, these are the current TNAs:
Banco Macro: 27%
Banco Nación: 25%
Banco Provincia: 25%
Banco Credicoop: 24%
ICBC: 23.5%
Santander, Galicia, BBVA and Ciudad: 23%
Banco Voii: 30% en tasas para plazo fijo
In smaller institutions, rates exceed 33%, such as Banco CMF, Banco Voii and Banco de Comercio.
What to consider before investing
Time deposits remain a conservative 30-day option. They are useful for those who seek predictability and low risk.
