Features
The interest rate that is granted on the established deposit is negotiated by phone, e-mail or other electronic communication systems, depending on the amount, term, market conditions of the moment, as well as the bank's strategy.
The term of setting up the deposit will be negotiated by telephone, e-mail or other electronic communication systems between the depositor and the depositary, through the designated persons.
The payment of the interest is made at the expiration of the deposit, and the amount existing in the deposit is transferred to the available account. The interest rate agreed by the parties is fixed throughout the execution of the contract.
If early cancellation is requested, before maturity, the bank is authorized to calculate the interest at the level of interest charged for sight deposits from the moment of cancellation of the deposit.
The bank will collect the interest tax, at the time of granting the bonus, according to the legal provisions in force.
Payments /cash operations made after the transfer to the current account using amounts from bank deposits shall be charged according to the BT Decision in force at the time of performing the operations, a Decision which is an annex to the General Business Conditions of Banca Transilvania.
The fees related to the current account charged to the consumer by the bank are displayed in the Fees section and can be consulted at any BT unit.
The deposits set up are guaranteed by the Deposit Guarantee Fund in the banking system, within the limit of a guarantee ceiling of EUR 100,000 per depositor equivalent of MDL, in accordance with the provisions of law no. 311/2015, on deposit guarantee schemes and the guarantee fund for bank deposits. The limit of the guarantee ceiling may be amended by a legislative provision.
Bank deposits are excluded from the guarantee
According to the provisions of Law 311/2015 on deposit guarantee schemes and the Bank Deposit Guarantee Fund, the following deposits are excluded from the guarantee :
- Deposits of a credit institution made in its own name and for its own account, in compliance with the provisions of Article 64 para. (2);
- Instruments falling within the definition of own funds as defined in Article 4 para. (1) point 118 of Regulation (EU) No .../... 575/2013;
- Deposits resulting from transactions in connection with which final court decisions of conviction have been issued for the crime of money laundering, according to the legislation in the field of prevention and combating money laundering. Deposits shall be classified in this category by the Deposit Guarantee Scheme, on the basis of information received from the competent authorities, from the credit institution whose deposits have become unavailable or from the liquidator appointed by the court, as the case may be;
- Deposits of financial institutions as defined in Article 4 (4) (a) and (b) of the First Subparagraph of Article 4 (4) (a) and (b). (1) point 26 of Regulation (EU) No .../... 575/2013;
- Deposits of investment firms as defined in Article 4 para. (1) point 2 of Regulation (EU) No .../... 575/2013;
- Deposits for which the holder's identity has not been verified until they become unavailable, according to the legislation in the field of prevention and combating money laundering;
- Deposits of insurers and reinsurers, as defined in Art. 2 lit. A pt. 5 and 39 of Law no. 32/2000 on insurance activity and insurance supervision, with subsequent amendments;
- Deposits of collective investment undertakings as defined by capital market legislation;
- Deposits of pension funds;
- Deposits of central, local and regional public authorities;
- Securities of the nature of the debt issued by the credit institution, as well as obligations arising from its own acceptances and promissory notes.
Form for information provided to depositors
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