Change your fixed-term deposit: How much can you earn by depositing $500,000 for 30 days at Banco Nación?

Fixed-term deposits remain one of the most popular options for those seeking to protect their savings in pesos , especially in a context where banks offer different rates depending on their profile and operating mode.

Banco Nación , as one of the country's most important public institutions, maintains its own strategy for attracting deposits, with returns that vary depending on the channel used. How much can you earn today by depositing $500,000 for 30 days? The answer depends on the type of transaction chosen and, of course, the bank.

Banco Nación's official peso-denominated fixed-term deposit simulator shows a clear difference between completing the transaction in person or online. At a branch, a $500,000 deposit for 30 days accrues interest of $10,479.45, bringing the total to $510,479.45. However, if completed online, the interest accrues $12,534.25, and the final amount is $512,534.25.

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This is explained by the difference in the Annual Nominal Rate (ANR) : in branches it is 25.50%, while in electronic transactions it rises to 30.50%. The Annual Effective Rate (AER) also varies: 28.71% in person and 35.15% online.

• Bank of the Argentine Nation – 30.5% APR: $12,534.25
• Banco Santander Argentina SA – 28% APR: $11,821.91
• Banco de Galicia y Buenos Aires SAU – 30.25% APR: $12,426.03
• Bank of the Province of Buenos Aires – 30.5% APR: $12,534.25
• Banco BBVA Argentina SA – 29.5% APR: $12,213.11
• Banco Macro SA – 30% TNA: $12,328.77
• Banco GGAL SA – 30.25% TNA: $12,426.03
• Banco Credicoop Cooperativo Limitado – 29.5% TNA: $12,213.11
• Industrial and Commercial Bank of China (Argentina) SAU – 29.25% TNA: $12,154.79
• Bank of the City of Buenos Aires – 29% APR: $12,096.45

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Other banks that report online fixed-term rates for non-customers:

• Banco BICA SA – 33% TNA: $13,579.55
• Banco CMF SA – 32% TNA: $13,180.82
• Banco Comafi Sociedad Anónima – 30.25% APR: $12,426.03
• Banco de Corrientes SA – 31% APR: $12,721.89
• Bank of the Province of Córdoba SA – 35.5% APR: $14,576.42
• Banco del Chubut SA – 31.5% APR: $12,871.32
• Banco del Sol SA – 34.5% APR: $14,177.68
• Banco Dino SA – 32% TNA: $13,180.82
• Banco Hipotecario SA – 30% APR: $12,328.77
• Banco Julio Sociedad Anónima – 33% APR: $13,579.55
• Banco Mariva SA – 34% TNA: $13,978.30
• Banco Masventas SA – 26.5% APR: $10,906.85
• Banco Meridian SA – 34% TNA: $13,978.30
• Banco Provincia de Tierra del Fuego – 30.5% APR: $12,534.25
• Banco VOII SA – 35% TNA: $14,377.05
• BiBank SA – 32% TNA: $13,180.82
• Regional Credit Financial Company SAU – 34% APR: $13,978.30
• Reba Financial Company SA – 34% APR: $13,978.30