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    Savings and investments

    What happens to my savings and term deposits?  

    If you have term deposits or savings accounts with OTP Bank, these will be taken over by BT from February 28, 2025 and you will be able to access them from March 3, 2025.

    Good to know about deposits taken over by BT

    • The savings products will be taken over with the interest percentage from OTP Bank, and this will be updated at the first maturity, in line with BT's interest rates.
    • If you want to leave a deposit at any time, the fees for withdrawing cash or transferring are BT's standard fees. 
    • If you have a monthly interest bearing deposit that closes at maturity, it will automatically roll over into BT at the first maturity and interest is paid monthly into your current account. In the event of termination before maturity, any interest paid early will be recovered by the bank. 
    • Deposits taken over from BT will not be able to be replenished after the opening date.
    • For term deposits, partial withdrawals before maturity will not be possible. Withdrawals are only possible after the deposit has been closed, in which case spot interest is payable. At the moment, spot interest is zero.  
    • If you have a term deposit with one of the maturities below, they will be extended to the first maturity as follows:

       

      OTP deposit maturity
      Maturity of deposit taken over in BT
      7 days
      1 month
      2 months
      3 months
      4 months
      3 months
      5 months
      6 months
      7 months
      6 months
      9 months
      12 months
      13 months
      12 months

       

    • If you have a 1-month term deposit in Pounds Sterling (GBP) or Swiss Francs (CHF), it will be extended to the first 3-month maturity. 
    • If you have an 18 or 24-month term deposit with an automatic extension at maturity, these will be liquidated at maturity. 
    • If you have an 18- or 24-month dollar (USD) term deposit with automatic rollover, at the first maturity it will be extended for 12 months. 

    All deposits are guaranteed by the Bank Deposit Guarantee Fund, up to €100,000/depositor. 

    Good to know about savings accounts taken over by BT  

    • Both the account balance and the interest accrued to date on savings accounts will be transferred to BT. Following the migration, the interest on savings accounts will be updated in line with the pricing policy published on the website and in BT's branches. Except for the savings accounts mentioned below which will be migrated to current accounts.
    • Interest is calculated daily based on the account balance and capitalized monthly into the savings account on the anniversary.
    • You can make cash deposits or withdrawals from your savings account at any time, but the account balance cannot fall below the minimum required balance of 100 lei/ 100 euro. If the balance falls below this amount, the account will be closed and the money will be automatically transferred from the savings account to the current account. 
    • If you have a savings account in US dollars (USD), Swiss francs (CHF) or forints (HUF), the accumulated funds, including the interest accrued to date, will be transferred to your current account with BT, which is interest-free.
    • If you have a Junior 'Start', 'Plus' or 'Max' savings account, both the account balance and the interest earned to date will be transferred to BT into a current account, which does not pay interest. If you wish, you can opt to open a savings account with BT later. 

    What happens to the funds I invest in?    

    If you have investment funds with OTP Asset Management SAI, they will be managed according to the issue prospectus, and you still have the possibility to subscribe or redeem fund units through OTP Asset Management Romania SAI, at office@otpfonduri.ro and +40 372 915 608.   

    The investment funds will continue to be managed by OTP AM, and investors will be informed in due time of any change in their management. 

    Important information on investment funds:    

    • The intermediation contract signed with OTP Bank Romania will cease as of 28.02.2025 if you hold investment funds managed by: OTP Asset Management S.A.I, Goldman Sachs Asset Management BV, Franklin Templeton Investment Limited.
    • If you hold fund units managed by: Goldman Sachs Asset Management BV and/or Franklin Templeton Investment Limited , you will be able to carry out redemption transactions until 13.02.205 (inclusive) at any OTP Bank Romania unit. 
    • If, on February 14, 2025, you still hold units of the above-mentioned investment funds, they will be redeemed at the bank's initiative and the amounts will be transferred to your current account. Redemption transactions will be carried out at the Net Asset Unit Value (NAV) valid on the day of the redemption transaction (14.02.2025).
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    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.

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