In a context where savers are looking for safe alternatives for their pesos, the fixed term It remains one of the most sought-after tools. The Central Bank of the Argentine Republic (BCRA) It publishes daily the annual nominal interest rates (TNA) reported by banks for 30-day deposits in pesos made online, allowing you to compare returns and choose the most convenient option. According to the latest official table, these are the interest rates offered by the main banking institutions December 29, 2025.
Fixed term: How much will I earn if I invest $400,000 in 30 days?
Fixed conditions: What interest rates do banks pay today?
Note: Estimated Annual Nominal Interest Rates (TNA) for 30-day online corporate terms, as of December 2025, according to the latest available BCRA and financial institution records.
– Bank of the Argentine Nation: 23.5%
– Santander Bank: 21%
– Bank of Galicia: 21%
– Bank of the Province of Buenos Aires: 22%
– BBVA Bank: 21%
– Macro bank: 27%
– GGAL SA Bank: (no information reported)
– Credicoop Bank: 23%
– ICBC Bank (Industrial and Commercial Bank of China): 23.5%
– Bank of the City of Buenos Aires: 20.5%
In addition to these traditional companies, the BCRA comparison shows other banks with higher interest rates, such as Banco BICA, Banco CMF, Banco Meridian, Banco VOII and Crédito Regional, which offer interest rates close to or above 28% for online fixed terms.
Tips for creating a firm deadline
1) Storing money at home does not bring in income. The fixed term offers a known return (the interest rate), is simple, safe and contributes to the financing of bank customers.
2) Before choosing a bank to set a fixed term, check the interest rate for the fixed term in home banking or investment banking. Electronic means usually offer better interest rates.
3) In general, the longer the term, the higher the interest rate the bank is willing to pay. If you know the money won’t be needed for a period longer than 30 days, check interest rates for longer terms, 60, 90, 180 and 360 days.
4) Fixed conditions obtained at an interest rate higher than the reference interest rate and those that received special incentives or remuneration in addition to the interest rate are not guaranteed by the deposit protection insurance.
Bonus December 2025: What is the payment period and how is it calculated?
5) In general, the higher the amount deposited, the higher the interest rate the bank is willing to pay. The minimum amount for a fixed term is usually $1000.
6) Term transactions can be carried out in pesos or dollars, with the rates being different for both.
7) It is advisable to invest with a fixed term if you are sure that the money deposited will not be needed for a certain period of time as it will be immobilized until maturity and cannot be withdrawn.
8) Fixed conditions in pesos are compensable, this increases their security as it allows you to avoid transferring money from one company to another. When presenting fixed-term compensation with another company, the following options are available: deposit into a different account or set up a new fixed-term compensation.
9) Before committing to a fixed term, check the interest rate of different companies to decide on the best interest rate offer.
10) Fixed conditions that have a specific modality (e.g. pre-cancellable, customizable with CER clause, UVas, etc.) or those concluded electronically (via ATM, home banking, telephone, etc.) are non-refundable since the physical document is required to present it to another entity.
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