Consumer class action challenges BBVA Argentina (NYSE: BBAR) credit card interest

Rhea-AI Filing Summary

BBVA Argentina Bank S.A. reports that it has been notified of a consumer class action filed by the association Protegiendo al Consumidor (P.A.C.) in Mar del Plata. The case challenges the constitutionality of Section 20 of Decree 70/2023, which removed a legal cap on punitive interest for credit cards.

The association seeks to restore the previous limit under Section 18 of Law 25.065 and to obtain reimbursement of punitive interest amounts allegedly collected in excess from users and consumers of the bank’s credit cards in the Province of Buenos Aires, plus interest and costs. The claim is for an indeterminate amount that the bank considers impossible to quantify at this time.

BBVA states it is analyzing the lawsuit and defining its response strategy. It also indicates that, even in a hypothetical adverse outcome, it believes the dispute will not have a significant impact on its assets and activities.

Insights

Banking litigation and regulatory risk analyst

BBVA faces a new Argentina consumer class action it views as non‑significant.

BBVA Argentina discloses a class action from Protegiendo al Consumidor (P.A.C.) contesting the removal of punitive interest caps for credit cards and seeking reimbursement of allegedly excess charges in Buenos Aires Province, plus interest and costs. The claim amount is described as indeterminate and impossible to quantify now.

The bank emphasizes that it is still analyzing the lawsuit and shaping its response, but explicitly states that even a hypothetical adverse ruling is not expected to have a significant impact on its assets and activities. That language suggests management currently views the financial exposure as manageable relative to its balance sheet.

Because the amount and timing of any potential reimbursement are not specified, actual financial effects depend on court decisions and case progression in Civil and Commercial Court No. 14 in Mar del Plata. Subsequent company disclosures may provide clarity if the court issues key rulings or if settlement parameters are defined.

FORM 6-K

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Report of Foreign Issuer

Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934

For the month of September 2025

Commission File Number: 001-12568

BBVA Argentina Bank S.A.

(Translation of registrant’s name into English)

111 Córdoba Av, C1054AAA

Buenos Aires, Argentina

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F ☒           Form 40-F  ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b) (1):

Yes  ☐           No ☒

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

Yes  ☐           No ☒

Indicate by check mark whether by furnishing the information contained in this Form, the Registrant is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934:

Yes  ☐           No ☒

If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): N/A

BBVA Argentina Bank S.A.

TABLE OF CONTENTS

Item

Material Event

Class action filed by the Protegiendo al Consumidor (P.A.C.) c/ BBVA Banco Frances S.A. s/ Repetición de Sumas de Dinero" (File 27.694 /2025), pending before Civil and Commercial Court No. 14, Exclusive Office, of Mar del Plata.

Ciudad Autónoma de Buenos Aires, September 25, 2025

Securities and Exchange Commission

RE: “Protegiendo al Consumidor (P.A.C.) c/ BBVA Banco Frances S.A. s/ Repetición de Sumas de Dinero" (File 27.694 /2025), pending before Civil and Commercial Court No. 14, Exclusive Office, of Mar del Plata.

Dear Sirs:

I hereby address you, in my capacity as Head of Market Relations of Banco BBVA Argentina S.A., in order to inform that Banco BBVA Argentina S.A. (hereinafter “BBVA”) has been notified of a class action filed by the Protegiendo al Consumidor (P.A.C.).

The Association seeks the unconstitutionality of Section 20 of Decree 70/2023, which modified Section 18 of Law 25.065 - whereby the limit on punitive interest was eliminated - and the limit of such interest was reestablished as provided by the previous Section 18, in force until December 20, 2023, and consequently, the reimbursement of the amounts collected in excess from users and consumers of credit cards issued by the Bank in the Province of Buenos Aires, plus interest and costs.

It is important to remark that this action is informed even though it is materially impossible to determine to date, whether the claim has a significant economic importance, since such claim is brought for an indeterminate amount, materially impossible to be determined with certainty today.

The Bank is analyzing the content of the lawsuit and defining the course of action, thus considering that even in the hypothetical case of an adverse decision regarding this dispute, such circumstance will not have a significant impact on its assets and activities.

Yours faithfully,

BANCO BBVA ARGENTINA S.A.

Eduardo González Correas

Head of Market Relations

Av. Córdoba 111, piso 31 (C1054AAA) Ciudad Autónoma de Buenos Aires, Argentina

IGJ 17-07-21 N° 11.156 L.103 T SA (T.O)

SIGNATURES 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

		BBVA Argentina Bank S.A.
Date: September 25, 2025		By: /s/ Carmen Morillo Arroyo        Name: Carmen Morillo Arroyo Title: Chief Financial Officer

FAQ

What legal action does the September 2025 6-K report for BBVA (BBAR)?

BBVA Argentina reports a consumer class action filed by Protegiendo al Consumidor (P.A.C.) in Mar del Plata. The case challenges punitive interest rules on credit cards and seeks reimbursement of allegedly excess amounts, plus interest and costs, for customers in Buenos Aires Province.

What law changes are at issue in the BBVA Argentina (BBAR) class action?

The lawsuit contests Section 20 of Decree 70/2023, which modified Section 18 of Law 25.065. That change eliminated a legal cap on punitive interest for credit cards, and the association seeks to restore the prior limit and recover alleged overcharges from BBVA Argentina customers.

How large could the BBVA (BBAR) class action claim be according to the 6-K?

BBVA Argentina states the claim is brought for an indeterminate amount and is materially impossible to determine with certainty at present. The uncertainty reflects that potential reimbursements to credit card users and consumers have not yet been quantified in the court proceedings.

What financial impact does BBVA Argentina (BBAR) expect from this class action?

BBVA Argentina indicates that, even in a hypothetical adverse decision, it does not expect the dispute to have a significant impact on its assets and activities. The bank is currently analyzing the lawsuit and defining its course of action in response.

Which customers are covered by the BBVA (BBAR) class action described in the 6-K?

The class action targets users and consumers of credit cards issued by BBVA Argentina in the Province of Buenos Aires. The consumer association seeks reimbursement of punitive interest amounts allegedly collected in excess from this customer group, along with related interest and legal costs.