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    Term deposit

    About Benefits Interest Open warehouse

    Is it time for savings?

    Then open a term deposit. 😊

    It's one of the easiest ways to save money and plan for the future. And yes, you can do it in lei, euro or dollars - you only need 100 lei or 250 euro/dollars.

    If you're not sure which is the best option for you, you can do a simulation here.

    Why a term deposit?

    Simple! Because you can save money at your own pace. 

    You also have other advantages:

    • mFixed interest rate for the entire period
    • mFor 2 and 3 year deposits, interest is paid annually on the anniversary of the deposit
    • mNo commission at the opening of the deposit
    • mIt can be for a period of one month, 3 months or even 36, it depends on you
    • mAll deposits are guaranteed by the Bank Deposit Guarantee Fund, up to a limit of EUR 100,000 per depositor

    Interest

    Interest on deposits in RON

    Period
    Interest received on maturity / year
    Interest received monthly / year
    1 month
    4,20%
    –
    3 months
    4,70%
    4,45%
    6 months
    4,95%
    4,70%
    12 months
    5,20%
    4,95%
    24 months
    5,25%
    –
    36 months
    5,35%
    –

    Interest on deposits in euro

    Period
    Interest received on maturity / year
    Interest received monthly / year
    1 month
    0,50%
    –
    3 months
    0,60%
    –
    6 months
    1,20%
    0,75%
    12 months
    1,50%
    1,15%
    24 months
    1,60%
    –
    36 months
    2%
    –

    Interest on deposits in dollars

    Period
    Interest received on maturity / year
    Interest received monthly / year
    1 month
    2%
    –
    3 months
    2,50%
    2,25%
    6 months
    3%
    2,75%
    12 months
    3,50%
    3,25%

    *Good to know: Tax on interest income is 10% for residents.


    Costs

    There are also some commissions that you need to know. 

    Management fee
    zero


    How do I make my deposit?

    Either online via one of our apps, or come into a BT unit or BT Express machine.

    Through BT Pay

    Easy-peasy!

    1. Tap the Savings tab in BT Pay

    2. You add one or more deposits in euro or lei from the + button

    3. That's it - you've opened your first warehouse 😊

    By NeoBT

    Here are the steps in the app:

    1. Products

    2. My deposits

    3. Open a new warehouse

    By BT24

    Again, just a few steps to follow:

    1. Finance

    2. My deposits

    3. Open a new warehouse

    In a BT drive or at BT Express

    Yes, you can come to a BT Express unit or vending machine

    Make an appointment online

    Either online through one of our apps, or you live in a BT unit or at a BT Express vending machine.

    Open an online account from BT Pay

    No hassle, no commissions, in just a few minutes.

    Open online account

    In a BT unit

    Choose the unit closest to you and help your colleagues.

    Make an appointment online
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    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT-4o technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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