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    About

    If you want to plan your finances and save money, the term deposit is one of the most well-known savings banking products.

    You can set up a term deposit in lei, euros or dollars with at least 100 lei or 250 euros or dollars.

    Advantages

    • mYou have the fixed interest rate for the entire deposit period
    • mYou receive the interest on the day of the deposit's anniversary, for deposits with a maturity of 2 and 3 years
    • mYou have no commission when opening your deposit
    • mAll deposits are guaranteed by the Bank Deposit Guarantee Fund, up to a limit of EUR 100,000 per depositor

    Interest

    Okay, fine, but... how much is the interest?

    Interest in lei

    Period
    Interest received on maturity / year
    Interest received monthly / year
    1 month
    4,50%
    3 months
    5,00%
    4,75% 
    6 months
    5,25%
    5.00%
    12 months
    5,50%
    5,25%
    24 months
    (fixed interest)
    5,55%
    24 months
    (variable interest)
    5,55%
    36 months
    (fixed interest)
    5,65%
    36 months
    (progressive interest)
    year 1 - 5.60%
    year 2 - 5.65%
    year 3 - 5.70%

    Interest in euro

    Period
    Interest received on maturity / year
    Interest received monthly / year
    6 months
    1,35%
    1,00%
    12 months
    1,75%
    1,40%
    24 months
    (fixed interest)
    2,00%
    24 months
    (variable interest)
    2,00%
    36 months
    (fixed interest)
    2,50%
    36 months
    (progressive interest)
    year 1 - 2.00%
    year 2 - 2.25%
    year 3 - 2.50%

    Interest in dollars

    Period
    Interest received on maturity / year
    Interest received monthly / year
    1 month
    2,00%
    3 months
    2,50%
    2,25%
    6 months
    3,00%
    2,75%
    12 months
    3,50%
    3,25%


    How do I make my deposit?

    Either online via BT24, or you come to a BT unit or to a BT Express vending machine.

    By BT24

    Again, just a few steps to follow:

    Finance

    My deposits

    Open a new repository

    In a BT drive or at BT Express

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

    Costs

    Legal entities pay tax on interest income from deposits if they report a profit at the end of the financial year.