Which virtual wallet pays more interest in the first days of 2026

The start of 2026 arrives with news for those who are looking to make their pesos work without giving up liquidity. Digital wallets and banks updated their rates and once again put interest-bearing accounts and mutual funds at the center.

With rates that in some cases exceed traditional time deposits, these alternatives are gaining ground among savers who prioritize the immediate availability of their money.

Which digital wallet pays more in January 2026

According to the updated ranking of rates, Cocos is positioned as the digital wallet that offers the highest return in the first days of the year. Its nominal annual rate even exceeds most banking options.

The list includes both interest-bearing accounts and Money Market mutual funds and Mixed Income mutual funds, products designed to generate interest without immobilizing funds.

Ranking of rates in digital wallets

• Cocos (Mixed Income mutual fund): 30.04%
• Mercado Pago (Money Market mutual fund): 28.71%
• IEB+ (Money Market mutual fund): 27.34%
• Lemon Cash (Money Market mutual fund): 23.91%
• Prex Argentina (Money Market mutual fund): 22.64%
• Claro Pay (Money Market mutual fund): 22.53%
• Personal Pay (Money Market mutual fund): 21.50%
• Naranja X (Interest-bearing account): 21.00%
• Ualá (Interest-bearing account): 20.00%

Why interest-bearing accounts are growing

Interest-bearing accounts make it possible to generate interest every day on the available balance. Unlike a savings account, the money doesn't remain idle.

The crediting is usually monthly and the user can use the money at any time, something that is highly valued in inflationary contexts.

How bank time deposits stand

Among the largest banks, rates for 30-day time deposits are well below those of digital wallets.

• Banco Nación: 23.50%
• Banco Macro: 23.50%
• Banco ICBC: 23.50%
• Banco Credicoop: 23.00%
• Banco Provincia: 22.00%

Small banks and wallets, the most profitable option

Some smaller institutions offer rates close to 28%, although with less territorial coverage. In that scenario, digital wallets are consolidating as the most competitive alternative.

With high returns and immediate liquidity, they are starting 2026 as the big winners in peso savings.