What are the virtual wallets that pay the most for having a balance in the account?

Virtual wallets and interest-bearing accounts have regained prominence among those looking to generate daily returns on their pesos without losing immediate access to their money.

In a context of constant changes in rates, fintechs and financial entities have adjusted the returns on their money market funds and interest-bearing accounts to attract savers.

Which virtual wallet pays the most interest in 2026

According to the returns reported for 30 days, Ualá currently leads among the main digital wallets with an annual nominal rate of 20.13%. Following are Cocos with 19.56% and Buepp with 19.19%.

The difference between the platforms reflects the strong competition to attract users looking for daily returns and immediate liquidity.

How much each virtual wallet pays

Ualá

• 7 days: 19.43%

• 30 days: 20.13%

• 90 days: 23.09%

• YTD: 25.51%

Cocos

• 7 days: 18.84%

• 30 days: 19.56%

• 90 days: 21.38%

• YTD: 22.89%

Buepp

• 7 days: 18.40%

• 30 days: 19.19%

• 90 days: 22.55%

• YTD: 24.41%

Mercado Pago

• 7 days: 17.70%

• 30 days: 18.49%

• 90 days: 21.70%

• YTD: 23.67%

How interest-bearing accounts work

Interest-bearing accounts allow for automatic daily interest generation on the available balance in the wallet.

Unlike a traditional fixed-term deposit, the money remains available for payments, transfers, or purchases at any time.

However, when the user utilizes those funds, they stop earning the corresponding return on that amount.

What is the difference with a traditional savings account

Traditional bank savings accounts generally do not pay interest on the deposited balance.

In contrast, virtual wallets and money market funds credit daily returns while the money remains automatically invested.

This scheme has driven the growth of fintechs as a tool for everyday money management.

What to consider before choosing a virtual wallet

Each platform applies different conditions to calculate interest.

Some set maximum limits on interest-bearing balances or modify the return based on the deposited amount.

Therefore, the specific conditions of each account are detailed in the contracts and regulations of each financial entity.

Why digital wallets have grown

The ability to combine immediate liquidity with daily returns has made virtual wallets one of the most used tools for managing pesos.

Additionally, access from mobile devices and the automatic crediting of interest have favored their expansion in the Argentine financial market.