Term deposit
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
Interest
Okay, fine, but... how much is the interest?
Interest in lei
Period
Interest received on maturity / year
Interest received monthly / year
1 month
5,35%
–
3 months
6,10%
5,75%
6 months
6,50%
6%
12 months
6,70%
6,25%
24 months
fixed interest rate
fixed interest rate
7%
–
24 months
variable interest rate
variable interest rate
7%
–
36 months
fixed interest rate
fixed interest rate
7,25%
–
36 months
(progressive interest)
(progressive interest)
year 1 - 7%
year 2 - 7.25%
year 3 - 7,50%
year 2 - 7.25%
year 3 - 7,50%
–
Interest in euro
Period
Interest received on maturity / year
Interest received monthly / year
6 months
1,00%
0,80%
12 months
1,50%
1,30%
24 months
fixed interest rate
fixed interest rate
2,00%
–
24 months
variable interest rate
variable interest rate
2,00%
–
36 months
fixed interest rate
fixed interest rate
2,50%
–
36 months
(progressive interest)
(progressive interest)
year 1 - 2,00%
year 2 - 2,25%
year 3 - 2,50%
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:
❶ Finance
❷ My deposits
❸ 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
Because we want to build a relationship based on transparency and trust, we want you to know that there are certain fees. It's normal to know them and know about them.
Management fee
zero
Tax on interest income
10%
In the case of non-residents, the income tax is 10% or the rate set out in the double taxation convention.
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