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An app shows an invested balance of $45,400 and an available balance of $100,500 next to a hand holding 10,000 Argentine peso bills.
Investing from your cellphone: which virtual wallet is the most convenient | Camara La Derecha Diario
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Which virtual wallet pays the most today in Argentina: ranking and updated rates

Cocos, Naranja X, and Ualá lead the ranking of wallets with the best performance on June 24

by

Editorial Team

Virtual wallets remain an attractive option for those seeking returns without locking up their money. This Tuesday, June 24, rates were updated and there are key differences between the platforms.

In this article, we explain which is the best wallet to invest in today, what rate each one pays, and how remunerated accounts and mutual funds work.

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.
Virtual wallets continue to gain ground | La Derecha Diario

Which virtual wallet yields the most today?

The wallets with the highest interest rates currently are:

  • Cocos (FCI Renta Mixta): 33.12%
  • Naranja X (remunerated account): 31.00%
  • Ualá (remunerated account): 30.00%*
  • Personal Pay (FCI Money Market): 27.09%
  • Mercado Pago (FCI MM): 26.72%
  • Claro Pay (FCI MM): 26.63%
  • Prex Argentina (FCI MM): 26.24%
  • IEB+ (FCI MM): 26.24%
  • Lemon Cash (FCI MM): 25.73%
  • Astropay (FCI MM): 25.58%
  • LetsBit Finanzas (FCI MM): 25.08%
  • N1U (FCI MM): 25.04%

*Ualá pays interest up to $1,000,000 deposited, with a monthly earnings cap of $26,300.
**Naranja X pays interest up to $600,000 deposited.

A person using a mobile banking app on a smartphone showing a balance of ,000 and options to deposit and transfer money.
Ualá (interest-bearing account): 30.00% | La Derecha Diario

What is a remunerated account and how does it work?

Remunerated accounts generate daily interest on the available balance, with no need to invest. Unlike a traditional savings account, they pay a return and allow you to access your money whenever you want.

Interest accrues day by day and is credited at the end of the month. You don't have to immobilize your money, as with a fixed-term deposit.

A hand holding several 10,000 Argentine peso bills.
Interest accrues daily and is credited at the end of the month | La Derecha Diario

What advantages do mutual funds offer?

FCIs that invest in fixed income or fixed-term deposits usually yield similar returns to traditional fixed-term deposits, but with a key advantage: immediate liquidity.

You can withdraw the money on the same day (if you operate during banking hours) or within 24 to 48 hours, depending on the fund. It is ideal for those who want returns without losing availability.

Fixed-term deposit: what rate do the largest banks pay

These are the current TNA rates at the 10 banks with the highest deposit volume, for online fixed-term deposits in pesos for 30 days:

  • Banco Nación: 30.50%
  • Banco Provincia: 30.50%
  • Banco Galicia: 30.25%
  • Banco Galicia Más: 30.25%
  • Banco Macro: 30.00%
  • Banco BBVA: 29.50%
  • Banco Credicoop: 29.50%
  • Banco ICBC: 29.25%
  • Banco Ciudad: 29.00%
  • Banco Santander: 28.00%
People gathered at the entrance of a Banco Nación booth decorated with plants and a blue sign featuring the BNA logo.
Banco Nación: 30.50% | La Derecha Diario

Other banks that exceed the average

Some institutions offer rates above the average:

  • Banco del Sol: 36.00%
  • Banco Córdoba: 35.50%
  • Banco Voii: 35.00%
  • Banco Mariva: 34.00%
  • Banco Meridian: 34.00%
  • REBA: 34.00%
  • Crédito Regional: 34.00%
  • Banco Bica: 33.00%
  • Banco Julio: 33.00%
  • Banco CMF: 32.00%
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