In context Monthly inflation rate is about 2.3%rates Traditional fixed terms They have become less attractive. With slightly negative real returns, the preferences of small savers have shifted towards… Virtual walletswhich collects Higher profitability, Immediate availability and Operational simplicity.
This phenomenon is not minor, however Nation Bank pays 29% TNA Due to fixed terms and Santander hardly 27%the most active fintech companies in the system offer up to It produces 10 or 15 percentage points higherAnd without the need to paralyze the movement of capital.
Virtual wallets are going strong
The portfolio segment has been consolidated as New peso savings haven. currently, Carrefour Bank Tops the rankings with 46% TNAfollowed by Awala Plus 2which arrives 43% TNA For those who keep consumption and investments above $500,000.
- located behind uala basic with 35% TNA The maximum wage is $1,000,000
- orange with 34% The compensation limit is $600,000
- Viewwind with 31% With an investment limit of $750,000
It is important to keep a close eye on this bonus limit because it indicates… The maximum balance amount that generates interest; Any weight exceeding this limit receives no performance, and recently, orange (from $800,000 to $600,000) and Ualá ($1,500,000 to $1,000,000) reduced these limits.
Beyond this, other than that Fixed deadlinesThese tools allow Withdraw funds at any timean offer Total liquidity And interest is approved daily. In an environment Low real prices and moderate exchange rate fluctuationsThe possibility of obtaining money without fines is a major advantage.
Orange X: The “fixed bottle” that breaks the price system
Among the governors orange She has gained fame for her scheme “urns”which has now received an update and now allows you to choose the duration and type of investment.
andto “fixed bottle”intended for those looking for a higher price, offers returns of up to… 37% TNA For terms between 30 and 180 dayswithout the possibility of early withdrawal. However, there is one technical fact that makes the difference: The ideal point is 32 daysWhere the rate reaches Maximum 37%. If it is extended by just one day – to 33 days – it will be back decreases to 33%By four points in just 24 hours.
The system allows merging Performance and flexibilityOn condition Bottles less than 30 days old are completely liquid And pay between 34% and 35% TNAit even surpassed a large portion of medium-sized banks.
inside Jars Which can break in the event of unforeseen events:
- 7 days: 34% TNA
- 14 days: 34% TNA
- 29 days: 35% TNA
while Fixed jars They reward a slightly higher rate for completely immobilizing capital:
- 30 days: 37% TNA
- 32 days: 37% TNA (optimum performance point)
- 33 days: 33% TNA (decrease four points compared to the previous day)
- 60 days: 33% TNA
- 91 days: 31% TNA
This way naranja Paid accounts As is the case with Money market fundsbecoming a broker alternative for those looking for performance, but do not want to tie up capital for a long time.
Awala, Carrefour and Viewwind
Carrefour Bank Surprises with its aggressive strategy: it delivers 46% TNA On daily balances, A level that makes him the absolute leader of the classification. The appeal is obvious: it does not require special conditions and allows you to operate with total liquidity, even exceeding the most profitable average fixed terms.
Ualá remains one of the most powerful platforms in the financial ecosystem. Returns from your primary paid account 35% TNABut those who meet the consumption and investment requirements can access the programs plus 1 (40%) Yes He spent $250,000 within the application) and Plus 2 (43% Yes spending $500,000)ranking among the highest returns in the market.
finally, Viewwind Complete the platform with 31% TNAa newer wallet targeting users who value integration with instant transfers and an investment limit of up to $750,000.
These platforms are located together above 35% TNA The average of the best stationary conditions for the systemwith the benefit of Be able to get a refund at any time.
Wallets with integrated FCIs
Leaving the universe Paid accountsWhich guarantees the performance that will be obtained on the next day by 100%. As for the rest of the financial technology companies, they offer the following offers:
- Brix (provided by Alaria): 29.00% TNA
- Personal Payment (Delta Peso): 28.07% TNA
- LP Finance (ST Zero): 27.59% TNA
- Astrobay (STZero): 27.59% TNA
- Lemon (as Premium): 27.11% TNA
- Payment market (funds market): 26.62% TNA
- IEB+ (IEB Savings): 26.10% TNA
- Claro Bay (SBS Peso Savings): 24.42% TNA
Banks: Without much to offer
The contrast with the banking system is clear. According to updated data from Central Bank (BCRA)The country’s major banks offer much lower interest rates:
- Nation Bank: 29% TNA
- Santander: 27%
- Galicia: 25%
- Regional Bank: 24%
- PBVA: 27%
- Macro: 30%
- Industrial and Commercial Bank of China: 30.1%
- city: 28%
Only among medium-sized banks appear more competitive options, e.g BICA (34%), CMF (34%), Bancor (34.5%) and Banco del Sol (35%), In all cases, the money must be paid It stays on for 30 dayswithout the possibility of withdrawal or intermediate liquidity.
In other words, To match the performance of the virtual wallet, a Stop You must give up liquidity for an entire monthThis is difficult to justify in an environment where the opportunity cost of paralyzing the peso is high.
Fluidity, performance and ease
he New financial map It shows a clear trend, where savers are no longer looking only for performance; Agility and flexibility.
the Virtual wallets Allows Transfer money quickly, earn daily interest, and maintain full control from your cell phoneThis contradicts the traditional banking process, where opening a specific period requires additional steps and punishes early withdrawal.
Moreover, in terms of Actual performanceFintech companies offer rates that equal or exceed expected monthly inflation, with terms remaining constant Underdeveloped and less liquid. together Monthly effective rate (TEM) From 2.9% to 35% annually, the real profit remains marginal, but at least the accounts are paid Allows you to take better advantage of short-term volatility.
Savings are redefined in pesos
Banks continue to operate under a strict regime SavingsIt is conceived as an immobile deposit. Instead, virtual wallets have transferred this logic to the digital world, providing… Returns, control and liquidity From one application.
Today, platforms like Ualá, Naranja X, Carrefour Banco, Fiwind, and Personal Pay They compete with each other by offering better terms, wider limits, and rates that exceed traditional spreads. In parallel, Money market funds and Fixed deadlines They lose their prominent position in the retail portfolio.
The message this change leaves is this It does not make sense to sacrifice liquidity for similar or lower interest rateswhen the application market provides alternatives Instant access, without costs, with equal or higher returns and greater ease.
Savings depend on applications
While the traditional financial system adjusts interest rates slowly, Virtual wallets And strengthen their leadership.
Today is the best performance of the team Average savings It is no longer in banksBut on a cell phone.
With options ranging from 34% to 46% TNADaily liquidity and without additional costs Electronic money has become a reality Short term shelter For those seeking to protect their peso without losing purchasing power or time.
About The Author
