Fixed Term: How Much Do You Earn by Investing $1,800,000 for 30 Days in February 2025?

In February 2025, interest rates for fixed-term deposits hover around 25% of the Nominal Annual Rate (NAR). This happened after the Central Bank (BCRA) decided to reduce the reference rate to 29% at the end of January.

Therefore, an investment of $1,800,000 in a fixed-term deposit for 30 days with a NAR of 25% would generate approximately $36,986.30 in interest. At the end of the period, the initial capital plus the accumulated interest would total $1,836,986.30.

Which banks offer the best rates for 30-day fixed-term deposits?

Interest rates vary depending on the financial institution. Below are some of the rates offered by different banks in February 2025:

• Banco de la Nación Argentina: 25%
• Banco Santander Argentina S.A.: 24%
• Banco de Galicia y Buenos Aires S.A.U.: 25%
• Banco de la Provincia de Buenos Aires: 26.5%
• Banco BBVA Argentina S.A.: 24.75%
• Banco Macro S.A.: 26.5%
• Industrial and Commercial Bank of China (Argentina) S.A.U.: 27.8%
• Banco de la Ciudad de Buenos Aires: 25%
• Banco BICA S.A.: 27.5%
• Banco CMF S.A.: 30%
• Banco Comafi S.A.: 25.5%
• Banco de Corrientes S.A.: 28%
• Banco de la Provincia de Córdoba S.A.: 29%
• Banco del Chubut S.A.: 28%
• Banco Hipotecario S.A.: 26% (clients) | 30% (non-clients)
• Banco Voii S.A.: 30%
• Crédito Regional Compañía Financiera S.A.U.: 29%
• Reba Compañía Financiera S.A.: 29%

Steps to set up a 30-day fixed-term deposit

1. Log into your bank account: Access your bank or financial institution's online banking. If you don't have an account, you'll need to open one by presenting the required documentation.
2. Locate the investments section: Within online banking, look for the section dedicated to investments or financial products.
3. Select the fixed-term option: Choose the appropriate option to start the operation.
4. Define the amount and term: Enter the amount of money you want to invest and select a 30-day period.
5. Confirm the transaction: Verify that all the data is correct and approve the operation.
6. Wait for maturity: At the end of the 30 days, the bank will credit your account with the initial capital along with the caused interest.

What is a fixed-term deposit?

A fixed-term deposit is an investment tool where you deposit a sum of money in a financial institution for a specified period, obtaining interest in return.

During the established term, it is not possible to withdraw the funds without penalty. Once maturity is reached, the bank returns the initial capital along with the caused interest. It is a safe and stable investment option, ideal for those seeking profitability without taking high risks.