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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

Term deposits with fixed interest rate for the entire deposit period, until the first maturity. The deposit period can be 3 months, 6 months or 12 months.

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

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.

Open a term deposit in Lei from Mobile or Online Banking and enjoy the interest rates!

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.

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.

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

I WANT A DEPOSIT

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%* / 5.50%** / 6.00%*** 2.30 3.00
12 months
 5.20
 2.30 3.30

* interest applicable for deposit amount <10,000 Lei

** interest applicable for deposit amount ≥ 10,000 Lei and < 50,000 Lei)

*** interest applicable for deposit amount ≥ 50,000 Lei)

 

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

For term deposits in Lei with fixed interest for 6 months set up in the branch, the interest rate is 5.10%/year minus 0.30 percentage points, regardless of the amount of the deposit.

For term deposits in Lei with fixed interest for 6 months set up in the branch by customers who benefit from the PENSIONER offer, the applicable interest rate is 5.10% per year, regardless of the amount of the deposit.

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.

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