The Central Bank of the Argentine Republic has released its Financial Inclusion Report for October 2025, providing an update on key indicators through June 2025.
According to the report, access points (puntos de acceso, PDAs) across Argentina increased slightly by 0.5% since December 2024, totaling 51,760. The coverage remained stable, with 46.3% of municipalities and 94.2% of adults having at least one access point.
There was a continued rise in individuals holding both bank and payment accounts, reaching 26.9 million people—a net gain of 1.4 million since December 2024. Foreign currency account holders also grew to 21 million during this period, with an additional 2.1 million new holders.
While the use of electronic payment methods declined in the first half of 2025 compared to the previous six months, cash usage indicators stayed near their lowest levels in recent years. Instant payments and transfers remained the main forms of electronic transactions despite a drop in debit card payments over the same period. The number of account holders making electronic payments rose to 75.5%, or about 28.3 million people—an increase of one million from six months earlier.
Money market funds emerged as the most dynamic savings option in pesos for individuals, with payment accounts linked to these funds reaching 26 million by June—a year-over-year increase close to 40%. Time deposits were held by only about 2.8% of bank account holders; however, their average balance per holder grew over twelve months and became the highest among savings products.
Personal credit expanded further during this period as well: “As of June 2025, 19.5 million natural persons had financing within the broad financial system (BFS), accounting for a net increase of one million debtors against December 2024,” stated the report authors.” Moreover, the average stock per debtor grew by 19% in real terms, reaching the highest level of the past five years.”
For micro-, small-, and medium-sized enterprises (MSMEs), there was a slight rise in credit participation compared to December last year—73.4% had access by mid-2025—with approximately 161,000 companies newly entering the credit market during this timeframe and overall financing stocks increasing by about one-fifth; micro enterprises saw particularly high growth rates.
Further details are available in the full Financial Inclusion Report published by Banco Central de la República Argentina.
