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.
Los usuarios de billeteras virtuales deberán estar atentos a los nuevos límites de transferencias
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.
Billeteras virtuales | Ualá
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.
El proceso para pedir el prestamo de Mercado Pago
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%
El Banco Nación otorgó créditos por 6.500 millones de dólares en Agroactiva.
