This page is automatically translated from Romanian into English.

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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
4,75%
3 months
5,50%
5,25% 
6 months
5,65%
5.35%
12 months
5,75%
5,50%
24 months
fixed interest rate
5,95%
24 months
variable interest rate
5,95%
36 months
fixed interest rate
6,00%
36 months
(progressive interest)
Year 1 - 5.95%.
year 2 - 6.00%
year 3 - 6.05%

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 rate
2,00%
24 months
variable interest rate
2,00%
36 months
fixed interest rate
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.