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Term deposits

 

Term deposits

Save money effectively

  • ZERO opening and maintenance fee

  • You decide the best period for saving up

  • You save money easily

  • Easy to manage through Online / Mobile Banking

 

It's cold. It's raining. It's snowing. It's December. And your thoughts inevitably fly to summer.

When it's warm, clear, light and vacation.

We understand you. And more than that, we want to help you enjoy summer even more.

 

Open a 6-month term deposit from Mobile or Online Banking and enjoy super interest rates!

 

5.1% per year for deposits in LEI

2.3% per year for deposits in EUR

3.0% per year for deposits in USD

 

More money, more vacation. More vacation, more summer.

The amount required to open a deposit is 500 lei or 200 euros/dollars.

I WANT A DEPOSIT
5.0 % for 3 months deposits in lei
5.1 % for 6 months deposits in lei
5.2 % for 12 months deposits in lei

 

Interest valid for deposits in Lei newly made through Mobile Banking

Do you need more information? Leave us your details and we will contact you.

I WANT A DEPOSIT

 

Open a term deposit through Mobile or Online Banking and benefit from 0.3 pp in addition to the standard interest granted in the branch, for 3, 6 and 12 months term deposits in Lei.

interest rate +0,3 percentage points

 

Follow the steps below in order to open a term deposit through Mobile Banking:

1. You should log in to the app, choose the Offers section from the menu and then select Term Deposit.

2. Choose the amount you want to open the deposit with and the deposit period and then select the account you have the money in.

3. You choose whether you want a term deposit with capitalization or not.

4. Check the details, read and accept the terms and conditions and then sign for opening the deposit.

Why open a Term Deposit ?

Efficient

ZERO commision for opening, maintaining and closing the deposit

Flexible

You can choose your preferred savings period: 3 months, 6 months,  12 months

Without worries

You don’t have to worry about renewing at each settling day because you can automatically extend the deposit for a period identical to the prior.

APPLY NOW

 

Term deposits with automatic extension and interest rate capitalization (% per year) 
Period
 Created through Online & Mobile Banking
LEI EUR
 USD
3 months
 5.00
 2.00 2.70
6 months
 5.10 2.30 3.00
12 months
 5.20
 2.30 3.30

For term deposits with LEI fixed interest rate on 3, 6 or 12 months opened in branch is applied the interest rate for Online Banking & Mobile Banking Deposit minus 0.30 percentage points.

For term deposits with EUR fixed interest rate on 3, 6 or 12 months opened in branch is applied the interest rate for Online Banking & Mobile Banking deposit minus 0.10 percentage points.

For term deposits with USD fixed interest rate on 3, 6 or 12 months opened in branch, is applied the interest rate for Online Banking & Mobile Banking deposit minus 0.10 percentage points.

 

UniCredit Bank S.A. deposits are protected by Bank Deposit Guarantee Fund. The guarantee maximum limit is the lei equivalent of 100,000 euros per depositor, per bank.

Questions and Answers

Who guarantees deposits established with UniCredit Bank?

UniCredit Bank deposits are guaranteed by the Deposit Guarantee Fund in the banking system (FGDB). The coverage ceiling is the equivalent amount in lei for 100,000 EUR per depositor and Bank.

What documents do I need to open a term deposit?

The only document you need to open a term deposit is an ID card.

Is the money earned from interest rate a tax subject?

Interest income is taxed as follows:

  • 10% in case of individuals resident in Romania, in European Union member countries or in countries that are not members of the European Union, but with which Romania has concluded a Double Tax Treaty;
  • 16% in case of individuals resident in countries that are not members of the European Union, but with which Romania has not concluded a Double Tax Treaty;
  • a more favorable tax rate provided by the Double Tax Treaty concluded by Romania with the state of residence, if the non-resident presents an original certificate of fiscal residence issued by tax authority, valid in the year of payment.
How does a term deposit with automatic extension and interest capitalization work?

At maturity, interest is added to your initial deposit, and the deposit is renewed with the balance so obtained.

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