Logos of Ualá and Naranja X next to ten thousand peso bills. — Which virtual wallet offers you the best interest for your pesos in June | La Derecha Diario

Camara — Which virtual wallet offers you the best interest for your pesos in June | La Derecha Diario

Ranking of virtual wallets: which ones offer the highest interest in June 2025

In a context of controlled inflation, they offer competitive interest rates without the need to immobilize the money

14/06/2025 10:13:00h

Editorial Team

Monthly inflation remains below 2%, which allows for a clearer evaluation of savings options. Today, interest-bearing accounts offered by financial apps compete directly with fixed-term deposits.

With fewer requirements than traditional banks, many virtual wallets have managed to attract the funds of those seeking to outpace inflation.

Mobile app icons including Naranja X, Personal Pay, BNA+, and more. Those who will have to be careful not to exceed the new transfer amounts imposed by ARCA in December 2024.

Remunerated accounts offered by financial apps compete directly with fixed-term deposits | La Derecha Diario

Ranking of virtual wallet interest rates in June

These are the latest available data on the Nominal Annual Rate (TNA) paid by each platform:

Cocos (FCI RM): 33.18%
Naranja X (Interest-Bearing Account): 31.00%
Ualá (Interest-Bearing Account): 30.00%
IEB+ (FCI MM): 26.80%
Personal Pay (FCI MM): 26.75%
Prex Argentina (FCI MM): 26.05%
Mercado Pago (FCI MM): 25.93%
Claro Pay (FCI MM): 25.61%
Astropay (FCI MM): 24.91%
N1U (FCI MM): 24.71%
LetsBit Finanzas (FCI MM): 24.42%
Lemon Cash (FCI MM): 23.98%

In some cases, rates depend on the amount invested or the province of residence.

Smiling man holding a mobile phone and a purple credit card.

Naranja X (Remunerated Account): 31.00% | La Derecha Diario

What changes are coming for these apps' rates?

The president of the BCRA announced an increase in reserve requirements that will affect money market funds.

According to a report by Grupo IEB, this will directly impact the daily returns of these wallets.

A person using a mobile banking app on a smartphone showing a balance of ,000 and options to deposit and transfer money.

What changes are coming to the rates of these apps? | La Derecha Diario

What does this change mean?

Banks will have to keep more funds immobilized. That reduces their margin to offer high rates. There have already been early redemptions from FCI in anticipation of this adjustment, which could put downward pressure on returns.

Currently, fixed-term deposits are around 2.87% monthly, while interest-bearing accounts average 2.02%. With projected inflation below 1.5%, rates are expected to continue adjusting.

What is a virtual wallet and how does it work?

A virtual wallet is an app that centralizes all your money on your phone. It allows you to send, receive, invest, and pay without needing to go through a bank or use cash.

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