Argentine financial institutions offer varying interest rates for dollar and peso investments

Argentine savers are evaluating various financial instruments to generate returns on both US dollars and pesos. For dollar-denominated fixed-term deposits, interest rates vary significantly based on the duration of the investment. Banco Macro offers up to a 5% Annual Nominal Rate (TNA) for deposits held for 366 days or more. Other competitive options include Banco Nación, which offers up to 4.50% TNA for electronic operations with terms between 365 and 720 days, and Bancor, providing up to 3.80% TNA for terms of one year or longer.

Regarding peso investments, savers are choosing between traditional bank deposits, mutual funds, and digital wallets. Digital wallets offer liquidity without the need to immobilize funds, though rates fluctuate frequently. As of September 2026, Lemon Cash reported a 20.50% TNA, followed closely by Cocos Pay at 20.44%. Mercado Pago offers rates up to 25.76% through certain mutual fund alternatives, while Ualá provides approximately 20.08% via mutual funds. When choosing between these options, investors must weigh the interest rate against liquidity, balance limits, and usage conditions.