Digital wallets and strengthen as the favorite option to obtain daily performance without losing liquidity. These are the yields offered in October 2025.
Virtual wallets are consolidated as the preferred alternative for those who seek immediate liquidity and daily performance, in a context of both political and financial uncertainty.
With a tense dollar, although stabilized in the last days, and recent loss of rates, savers and SME companies put the focus on preserving the purchasing power, seeking to maximize returns from their money. Therefore, the virtual wallets They gained prominence in the Argentine market. The possibility of generating daily interests, without the need to immobilize the funds, made them a flexible option against the traditional fixed term.
In contrast to term deposits, which require immobilizing money for 30 days, digital wallets allow combine liquidity with performance. The main difference is that interests are accredited day by day and the user can have the balance without losing the accumulated. In addition, retirement is immediate and does not require great amounts to begin.
Thus, these remunerated accounts and common investment funds (FCI) linked to the Fintech were consolidated as a key tool for those who seek balance between profitability and liquidity.
Virtual Wallets: Ranking of returns for savers and SMEs in October 2025
According to market data, this is the wallet ranking that offer higher yield in pesos:
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Carrefour Banco (remunerated account): 43% TNA
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Orange x (remunerated account, limit up to $ 800,000): 37% tna
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Daruma Coconos (FCI Mixed Income): 35.04% TNA
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Ualá (remunerated account, limit up to $ 1,000,000): 35% tna (PLUS PLAN 1: 40% TNA; Plan 2: 43% TNA)
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Cresium* (remunerated account only for SMEs, without limits): 34.3% TNA
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Prex (FCI Money Market): 33.25% TNA
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Fiwind (remunerated account, limit up to $ 750,000): 33% TNA
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IEB+ (FCI Money Market): 30.46% TNA
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Claro Pay (FCI Money Market): 29.68% TNA
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Payment Market (FCI Money Market): 29.49% TNA
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LB Finance (FCI Money Market): 28.58% TNA
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Astropay (FCI Money Market): 28.58% TNA
* Cresium It is the only Fintech that offers SMEs an “smart account” designed for each deposited weight to generate automatic yields and immediate availability.
Is it necessary to save on virtual wallets today?
The answer depends on the profile of each investor. For those who privilege liquidity And they seek to protect themselves from inflation without compromising funds for a month, wallets appear as the best alternative. On the other hand, those who prefer higher rates and can immobilize their capital, still have options in fixed deadlines or instruments adjusted by inflation.
In any case, the growth of these platforms confirms the trend: more and more Argentines use digital wallets not only as a means of payment, but also as a vehicle of Short -term savings and investment.
Source: Ambito
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