In the context of Monthly inflation rate is approximately 2.3%rate of Traditional fixed period They become less and less attractive. As the real returns were slightly negative, the preferences of small savers were virtual walleta combination of higher profitability, Immediately available and Ease of operation.
Although this phenomenon is by no means small, Kookmin Bank pay 29% TNA Barely possible due to fixed period and Santander 27%the most active fintech companies in the system offer the following services: Yields are 10 to 15 percentage points higher.And there is no need to fix capital.
Virtual wallets are doing well
The wallet segment has been integrated as follows: A new haven for savings in pesos. the current, carrefour bank rise to the top of the rankings in 46% TNAfollowed by Huala Plus 2reach 43% TNA For those who maintain spending and investment of $500,000 or more.
- located at the back basic wala and 35% TNA And the maximum reward is $1 million
- orange and 34% Coverage limit is $600,000
- Fiwind and 31% Investment limit is $750,000
It is important that you strictly follow this reward limit, considering that it: Maximum balance amount for which interest will accrue;weights above that limit are not given performance and these days, orange (from $800,000 to $600,000) and Huala (from $1.5 million to $1 million) lowered these limits.
Beyond this, Fixed deadlinethese tools allow withdraw money anytimeofferings total liquidity and daily interest recognition. in the environment of Low real interest rates and moderate exchange rate fluctuationsthe possibility of getting money without penalty represents an important advantage.
Orange X: “Fixed bottle” that breaks the price system
Between the wallets, orange The scheme is attracting attention. “bottle”has been updated to allow you to choose the duration and type of investment.
andI “Fixed bottle”is for those looking for higher rates and offers returns of up to $200. 37% TNA Regarding the conditions between 30 days and 180 dayswithout the possibility of early withdrawal. However, one technical fact makes a difference. The optimal point is the 32ndwhere the rate reaches up to 37%. If the period is extended by one more day to 33 days, the refund amount will be refunded. decreased to 33%In just 24 hours, there was a 4 point difference.
Can be combined depending on the system performance and flexibilitygiven that Bottles that are less than 30 days old are completely liquid pay with 34% and 35% TNAoutperforming even a significant portion of mid-sized banks.
within bottle It can break if something unexpected happens.
- 7 days: 34% TNA
- 14 days: 34% TNA
- 29th: 35% TNA
on the other hand, fixed bottle They reward you at a slightly higher rate in exchange for completely immobilizing your capital.
- 30 days: 37% TNA
- 32nd: 37% TNA (optimal performance point)
- 33rd: 33% TNA (4 points decrease from the previous day)
- 60 days: 33% TNA
- 91 days: 31% TNA
In this way, Naranja paid account in the same way as money market fundsmakes it an intermediate alternative for those who want performance but don’t want to tie up their capital for so long.
Huara, Carrefour, Fiwind
carrefour bank Its aggressive strategy is surprising. 46% TNA Regarding daily balance, A level that ranks as the absolute leader in the rankings. Its appeal is obvious. It requires no special conditions and can operate with full liquidity above average for the most profitable fixed period.
Ualá remains one of the most robust platforms in the financial ecosystem. Basic paid account yield 35% TNAHowever, those who meet the consumption and investment requirements can access the program. Plus 1 (40%) yes spend $250,000 in-app) and plus 2 (43% yes spend $500,000)ranks among the highest returns on the market.
Finally, Fiwind Finish on the podium with 31% TNAa new wallet targeted at users who value integration with instant money transfers and maximum investment limits. $750,000.
These platforms are located together on top 35% TNA Average of the system’s best fixed periodshas the advantage of You can redeem your money at any time.
Wallet with FCI integration
leave the universe of paid accountoffers a 100% guarantee of the performance you get these days, while the rest of the fintech companies offer performance like this:
- Prex (Araria Savings): 29.00% TNA
- Personal salary (Delta Pesos): 28.07% TNA
- LB Finance (ST Zero): 27.59% TNA
- AstroPay (STZero): 27.59% TNA
- Lemon (Fima Premium): 27.11% TNA
- Payment market (fund market): 26.62% TNA
- IEB+ (IEB savings): 26.10% TNA
- Claro Pay (SBS Peso Savings): 24.42% TNA
Banks: Not much to offer
The contrast with the banking system is clear. According to the latest data, Central Bank (BCRA)the country’s major banks offer significantly lower interest rates.
- Kookmin Bank: 29% TNA
- Santander: 27%
- Galicia: twenty five%
- Local bank: twenty four%
- BBVA: 27%
- Macro: 30%
- ICBC: 30.1%
- city: 28%
More competitive options emerge only among medium-sized banks. Bica (34%), CMF (34%), Bancor (34.5%), Banco del Sol (35%), In any case, the funds Unable to move for 30 daysthere is no possibility of withdrawals or intermediate liquidity.
In other words, To match the performance of virtual wallets, saver Must give up liquidity for an entire monthwhich is difficult to justify in an environment where the opportunity cost of pegging the peso is high.
Fluidity, performance and ease of use
he new financial map shows a clear trend: savers are no longer just looking for performance; Agility and flexibility.
of virtual wallet allow Move money quickly, earn daily interest, and maintain complete control from your phoneThis is in contrast to the traditional banking process, which requires additional steps to initiate a term contract and imposes penalties for early withdrawals.
moreover, actual performancefintech companies offer rates that match or exceed the expected monthly inflation rate while maintaining a fixed term. The liquid becomes low after a delay.. and Monthly effective rate (TEM) At 2.9% to 35% per year, the real profit is still small, but at least for paid accounts. Allows you to take better advantage of short-term volatility.
Peso savings redefined
Banks continue to operate under strict schemes. savingse is considered as an immovable deposit. Instead, virtual wallets transfer that logic to the digital world, Return, control and liquidity From a single application.
Today, platforms such as Ualá, Naranja X, Carrefour Banco, Fiwind, Personal Pay These compete with each other by offering better terms, wider limits, and rates above traditional margins. in parallel, money market funds and Fixed deadline They lose their presence in the retail portfolio.
The message this change leaves is: It makes no sense to sacrifice liquidity for equal or lower interest ratesif the app market offers an alternative, Equal or greater benefits and easier instant access without the cost.
Savings depend on the app
As the traditional financial system slowly adjusts interest rates, virtual wallet They strengthen leadership.
Today’s best performance is average saver It’s no longer in the bankbut on a mobile phone.
Comes with options ranging from 34% to 46% TNAwith daily liquidity and no additional costs, electronic money has become a real thing short-term shelter For those who want to protect their pesos without losing purchasing power or time.
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