Virtual wallets, interest-bearing accounts, and fixed terms show new rates and key differences
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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.
Virtual wallets, interest-bearing accounts, and fixed terms were reordered again in June
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.
Which virtual wallets and interest-bearing accounts pay the most in June
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.
Mercado Pago: 17.62% TNA.
Balanz Capital Money Market: 17.10% TNA.
Claro Pay: 17.02% TNA.
Lemon: 16.52% TNA.
How do the money market funds of Mercado Pago and other apps perform
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.
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.
What is the ranking of fixed-term deposits in June 2026
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.
What should be analyzed before choosing an alternative
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.
