The banking entity updated the rates of its fixed terms and now offers up to 41% annually for those who invest digitally.
Banco Nación updated the interest rates of the fixed terms in pesoswhich now reach 41% annually for digital operations. The measure seeks to retain deposits in local currency and offer a safer alternative to small savers.
The fixed term remains one of the most chosen tools by those seeking to protect their savings without taking on high risks. However, its real profitability depends on the evolution of prices and the rates offered by each entity. Below, how much you earn today by investing $500,000 over 30 days in Banco Nación.
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Fixed term at Banco Nación: how much do I earn in 30 days if I deposit $500,000
With the new rates of Nation Banka deposit of $500,000 in 30 days offers different results depending on the channel used. The official BNA simulator shows that those who carry out the operation in a physical branch they will get a Annual Nominal Rate (TNA) of 34%while those who opt for the electronic fixed term, either through Home Banking or the mobile app, they will access a TNA of 41%noticeably higher.
In the case of face-to-face fixed termthe profit in 30 days is $13,972.60so at maturity the total amount to be collected amounts to $513,972.60. This type of placement is usually chosen by older people or clients who prefer over-the-counter service, although it implies lower rates and the need to travel to the bank.
On the other hand, the digital fixed term allows you to carry out the entire procedure online, without intermediaries or delays. under a TNA of 41% and one Annual Effective Rate (TEA) of 49.67%the investor gets $16,849.32 interest in one month, reaching a total of $516,849.32 upon expiration. The difference with the in-person operation exceeds the $2,800which marks a significant gap in favor of the electronic channel.
The attractiveness of digital fixed terms lies not only in the rate, but also in the comfort and flexibility– Can be established 24 hours a day, automatically renewed, and funds transferred instantly after the period ends. Additionally, they are covered by the same Central Bank deposit insurance (up to $30 million)which guarantees the safety of the invested capital.
Despite the increase in rates, profitability remains moderate compared to inflation. In a context where prices rise faster than bank interest, the fixed term works as an option of partial value preservationideal for those who prioritize stability and low risk over real performance.
Source: Ambito
