Virtual wallets vs fixed term: where do pesos yield more in June 2026

The highest rates reported for placements of 30 days are as follows:

• Banco Meridian, Banco VOII, Crédito Regional and Reba: 23% TNA.

• Banco BICA and Banco CMF: 22% TNA.

• Banco Hipotecario: 21.5% TNA for non-customers.

• Banco del Sol, Banco Mariva and Bibank: 21% TNA.

• Banco Provincia: up to 21% TNA.

• Banco Nación: 19% TNA.

• BBVA: 18.75% TNA.

• Banco Macro: 18.5% TNA.

• Banco Galicia: 15% TNA.

• Santander: 14.5% TNA.

A fixed-term deposit of $1,000,000 at 23% TNA generates approximately $18,900 in 30 days. With a rate of 15%, the yield drops to about $12,300.

What to consider before choosing an alternative

The rate is not the only factor to consider. In interest-bearing accounts, it is important to review the balance limits and the conditions to access the reported yield.

In the FCI money market, the return can vary daily. In fixed-term deposits, on the other hand, the profitability is defined from the start, but the money remains immobilized.

The current scenario shows that some interest-bearing accounts offer rates higher than several fixed-term deposits. Therefore, the comparison should be made considering yield, liquidity, and the conditions of each financial product.

Virtual wallets, interest-bearing accounts and fixed-term deposits have been reorganized again in June. The rates have changed and today there are significant differences between the available alternatives to make pesos yield.

While some interest-bearing accounts exceed 25% TNA, the money market funds and fixed-term deposits offer different yields depending on their conditions. Knowing these differences is key before deciding where to leave the money.

Which virtual wallets and interest-bearing accounts pay more in June

Within the segment of interest-bearing accounts, the highest rate reported corresponds to Fiwind, which offers a TNA of 25% for balances up to $750,000.

At the same level is Ualá Plus 2, which also reaches 25% TNA, although it requires accumulating $500,000 between spending and investments to access that benefit. The ranking continues as follows:

• Fiwind: 25% TNA (up to $750,000).

• Ualá Plus 2: 25% TNA.

• Banco BICA Cuenta Positiva 4: 22% TNA.

• Carrefour Banco: 21% TNA.

• Banco BICA Cuenta Positiva 3: 19% TNA.

• Ualá: 19% TNA.

• Naranja X: 18% TNA up to $1,000,000.

• Banco BICA Cuenta Positiva 2: 16% TNA.

According to the reported values, an investment of $750,000 at 25% TNA generates around $15,400 in 30 days. With a rate of 18%, the yield is around $11,100 in the same period.

How the money market funds of Mercado Pago and other apps perform

The platforms operating through FCI money market show variable yields. Unlike interest-bearing accounts, they do not guarantee a fixed rate.

Among the main options are:

• Prex: 18.59% TNA.

• Cocos Ahorro: 18.40% TNA.

• Alpha Pesos ICBC: 18.27% TNA.

• Ualintec Ahorro Pesos: 18.23% TNA.

• Personal Pay: 17.90% TNA.

The main advantage of these funds is liquidity. Additionally, they allow the use of money for payments and transfers without immobilizing the funds.

What is the ranking of fixed-term deposits in June 2026

The fixed-term deposits maintain a known rate from the start, although they require immobilizing the money for the chosen period.