At the beginning of 2026, the increase in interest rates for fixed terms in pesos became one of the central issues on the agenda of the Argentine financial system.In recent weeks, banking entities modified the yields for time deposits and changed the outlook for those seeking to protect their savings in national currency.
The competition between entities is reflected in the values that are reported daily to the Central Bank and marks increasingly visible differences between traditional banks and those entities that allow fixed terms to be established online.
The central fact is that higher rates allow access to higher monthly interests with a lower initial investment, while larger entities show more moderate movements in their returns.
With that backdrop, one of the most frequently asked questions is how much money do you have to invest today to get $200,000 a month in interest alone.
The answer is not unique and depends mainly on the annual nominal rate (TNA) offered by each financial institution.With the current percentages, the capital necessary to reach that level of monthly income ranges between $7 million and $11 million, depending on the bank chosen.
Among%20traditional%20entities,%20rates%20are%20distributed%20at%20moderate%20m%C3%A1slevels.%20The%20Bank%20Macro%20and%20the%20Bank%20Province%20offer%20the%20TNA%20m%C3%A1s%20high,%20with%2027%,followed%20by%20the%20Bank%20de%20la%20Naci%C3%B3n%20Argentina%20con%2026%%20y%20el%20Banco%20Credicoop%20with25%.%20M%C3%A1s%20down%20se%20located%20el%20Bank%20of%20Galicia,%20que%20paga%2024%,%20the%20ICBC%20with%2023.5%,while%20that%20both%20the%20Banco%20Santander%20as%20Bank%20City%20offer%20a%20rate%20of23%.%20The%20BBVA%20registers%20the%20TNA%20m%C3%A1s%20low%20of%20listing,%20with%2022%20for%20percent.
With%20these%20percentages,%20the%20c%C3%A1calculation%20shows%20that%20to%20obtain%20$200,000%20in%20monthlyinterest%20it is%20necessary%20to immobilize%20high%20amounts.%20In%20the%20banks%20with%20low%20m%C3%A1s rates,%20like%20the%20BBVA%20o%20Santander,%20the%20capital%20required%20se%20about%20to%20the%20$10.5million,%20while%20that%20in%20las%20entities%20that%20pay%20in%20around%20to%2027%%20annual%20the%20amount is low,%20although%20is%20closer%20to%20%20$9%20million.
The%20difference%20m%C3%A1s%20marked%20appears%20in%20the%20segment%20of%20banks%20that%20allow establishing%20fixed%20terms%20online%20without%20need%20to%20be%20customer.%20All%C3%AD,%20thecompetition%20by%20capture%20dep%C3%B3sites%20push%C3%B3%20the%20rates%20by%20above%20of%2030%%20annual.Bank%20Bica%20and%20Bank%20Meridian%20announce%20a%20TNA%20of%2033%,%20while%20that%20Bank%20CMF%20andBanco%20VOII%20pay%2032.25%.%20Bank%20Mariva,%20in%20both,%20offers%2030%,%20and%20the%20Mortgage%20is located%20in%2027.5%20for%20percent.
With%20these%20high%20m%C3%A1s%20rates,%20the%20capital%20necessary%20to%20achieve%20the%20$200,000per month%20is%20reduced%20%20%20significative.%20In%20the%20banks%20that%20pay%20around%2033%%20annually,%20reach%20with%20little%20m%C3%A1s%20of%20$7%20million,%20while%20que%20with%20ratesclose%20to%2030%%20the%20amount%20required%20is%20located%20in%20around%20to%20the%20$8%20million.%20Of%20this way,%20the%20gap%20between%20the%20fixed%20terms%20traditional%20and%20the%20online%20can%20overcome%20$3%20million%20for%20a%20same%20income%20goal.
The%20din%C3%A1mica%20recent%20of%20the%20market%20shows%20that%20several%20entities%20already%20use%20the%2030%annual%20as%20a%20new%20floor%20of%20reference%20for%20the%20dep%C3%B3sites%20in%20pesos.%20Thistrend%20responds,%20on%20a%20side,%20to%20the%20need%20of%20the%20banks%20of%20retain liquidity%20in%20a%20contexto%20of%20higher%20competition%20and,%20for%20the%20other,%20a%20the%20b%C3%BAse%20of%20savers%20for%20improve%20the%20performance%20of%20your%20money%20front%20a%20a%20inflation%C3%B3nthat,%20if%20good%20it%20decelerated%C3%B3,%20in%20the%20%C3%Blast%20months%20advanced%C3%B3%20at%20a%20pace%20near average%20at%202%%20monthly.
It is necessary to remember that, although fixed terms allow for a predictable monthly income, their convenience must be analyzed in real terms.The effective profit will depend on whether the rates manage to keep up with the evolution of prices and how they behave in the coming months.In that sense, the $200,000 per month can function as an income supplement or a short-term strategy, but it does not guarantee, on its own, a sustained improvement in purchasing power.
