He Tariff card in pesos is in a phase of profound redefinition. With inflation at 2.5% in December, greater predictability in exchange rates and abundant liquidity in the system, the return on the peso in the account is once again at the center of debate. The novelty is no longer just how much each instrument pays, but also how much it pays how you pay, under what conditions and to what level of control it leaves the saver sitting on his money.
Today four very different universes coexist: the paid virtual wallet accounts with guaranteed returnsThe Orange glasses as a savings modality with a short-term and fixed rate, Low-risk investment funds (FCI) with variable returns and the fixed deadlines traditional.
Proper sorting allows us to understand why some instruments gained ground and others declined.
Surprise in the ranking of the virtual wallets that pay the most
Remunerated accounts have been consolidated as the most efficient tool for temporary savings – as long as they are stored in the right wallet. You pay one guaranteed fixed priceThey credit interest daily and allow you to withdraw the money at any time without penalties or minimum deadlines – except Ualá. There is no market risk and operations are completely digital.
The only relevant condition is this paid out credit limit.
The ranking is currently clearly led by two players: Fiwind And Carrefour bank Cover the table with 32% TNAan interest rate that far outperforms both traditional banks and most short-term funds.
Fiwind sets a Withdrawal limit of $750,000, while Carrefour Banco offers a paid bank account that replicates the fintech logic, with daily credit and no volatility.
One level lower appears Uala, with 22% TNAsabout credits in the range of $10,000 to $1,000,000, and then Orange Xwith 21% TNAalso with a Cap of $1,000,000. Although these rates are lower than leading rates, they still compete with the fixed rates of major banks.
The central attraction of this universe is not just the price, but the combination of performance, instant liquidity and ease of use. In a context where many savers prefer to have money available for every need, this feature is just as important as the TNA offered.
Orange glasses
Within the ecosystem of orange The glasses They became one of the most interesting tools on the market. They act as an intermediate solution between the paid account and the traditional fixed term and combine them guaranteed rate with short deadlines.
The user separates money from their main account and puts it in a jar for a certain period of time. During this time, the funds are tied up and generate daily interest at a previously known fixed interest rate. When due, the principal amount plus interest is automatically credited back to the account.
Current tariffs show a clear connection between term and performance. The bottle with it 28 days pay 23% TNAwhile those of 14 days And 7 days Offer 21% TNA. In financial terms, the Jars allow you to improve the interest rate of the remunerated account – or avoid penalties for exceeding the remunerated limit – in exchange for foregoing liquidity for a short and well-defined period.
Wallets with mutual funds
The FCI money market and short mixed income They represent a different universe. They do not offer a guaranteed interest rate, but rather a return that varies depending on the market and fund management. The risk is low and liquidity is usually 24 hours, although not instantaneous like a paid account.
The fund stood out in the current ranking Cocos Performance – Class A, with a TNA close by 27%, driven by a slightly more aggressive portfolio than that of a pure money market. They appear behind them Adcap savings pesos, Coconuts savings and Prex, with tariffs that fluctuate in between 20% and the 22%.
Below you will find Toronto Trust Save, Balance capital money market, IEB Save, pioneer Weights -macro and Premier Rent CP -Supervielle-, everything in the area of 18% for the 20%. These funds have become less important compared to the leading wallets, but are still useful for large amounts or for diversifying balances that exceed interest-bearing limits. As for “pure” virtual wallets, the ranking today includes:
- Market Payment: 18% TNA
- Personal Salary: 17.9% TNA
- Lemon: 17% TNA
- LB Finance: 16% TNA
- Astropay: 16% TNA
As you can see, the performance offered by these latest virtual wallets is almost a “testimonial” and the best is starting to happen Migrate between paid accounts – Stick exactly to the respective limits or deposit the pesos back into the banks.
Fixed deadlines
The traditional fixed-term contract is still the best-known and sometimes dominant instrument. It requires capital immobilization for at least 30 days and offers increasingly competitive conditions compared to virtual wallets. Today the rankings look like this:
- Banco Bica: 27.5% TNA (for non-customers)
- CMF Bank: 27%
- Mariva Bank: 27%
- Meridian Bank: 27%
- Voii Bank: 27%
- Regional loan: 27%
- Bank of the Province of Cordoba: 27%
- Reba Financial Company: 27%
- Banco Julio: 26.5%
- Bica Bank: 26%
- BiBank: 26%
- Macro Bank: 25%
- Commercial bank: 25%
- Mortgage bank: 25% (for non-customers)
- Tierra del Fuego Province Bank: 25%
- Banco del Sol: 24%
- Current bank: 24%
- ICBC Argentina: 23.5%
- Banco del Chubut: 23.5%
- Credicoop Bank: 23%
- Comafi Bank: 23%
- Formosa Bank: 23%
- Banco de la Nación Argentina: 22.5%
- Provincial bank: 22%
- Dino Bench: 22%
- Banco Masventas: 22%
- Banco Santander Argentina: 21%
- Banco Galicia: 21%
- BBVA Argentina: 21%
- City bank: 20.5%
Comprehensive comparison
As always, once all the instruments are analyzed, the hierarchy is based on the needs of the user. For short term and temporary savings the leading paid accounts They come first – both in terms of interest rate and liquidity.
Then this FCI with low risk, useful as a supplement but with less predictability. Finally there is that traditional fixed termsdowngraded due to flexibility, but with a higher premium in the tariff.
An optimal strategy
An efficient strategy is not to select a single instrument, but Assign each weight according to its function. The liquidity core must remain there paid accounts with a guaranteed interest rate such as Fiwind and/or Carrefour Banco, Prioritizing those who pay more and do not impose complex conditions. This money generates a daily return and is always available.
The FCI money market They play a subordinate role that becomes increasingly less important due to the performance on offer. He fixed term, On the other hand, it is beginning to gain more and more ground among the investments that pay the most for excess pesos.
To put it this way, the strategy is not about choosing the “best instrument”, but about Combine liquidity, interest rate and time horizon.
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