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Term

deposits

Term deposits micro

Save money effectively

  • ZERO opening and maintenance fee

  • The interest rate is fixed throughout the entire deposit period

  • You save money easily, in Lei, EUR or USD

  • Easy to manage through BusinessNet

Term deposits

The safety of your savings is our priority.

Description

Your term deposit can be opened in lei, dollars or euro for a period of  1, 3, 6 or 12 months, depending on the sustainability of your business plan. In addition for lei deposits, one week term deposit is also available. 

The minimum amount required to open a term deposit is 10.000 LEI or 3.000 USD or 3.000 EUR. You can transfer money into the deposit account from your current / savings account at the beginning.

The interest is fixed during the entire period of deposit.

Depending on your plans, you can choose whichever solution meets your needs.

  • Deposits without automatic rollover: at maturity, the interest and the principal are transferred into the current account. This type of deposit is recommended for situations in which you know the exact moment you want to have these funds. 
  • Deposits with automatic prolongation without capitalization: at maturity, the interest is transferred into the current account and the deposit is renewed with the initial amount. This type of product allows you to use the deposit interest as a source of income. 
  • Deposits with automatic prolongation and capitalization: at maturity, the interest is added to the current account and the deposit is renewed with the amount of money remained. The advantage is that the interest rate increases at each prolongation, due to the increased amount deposited with previously interest rate obtained.

Interest rates

 
 
 
 
 
Currency Term Min. amount % annual interest for deposit with/without automatic extension

LEI

1 week

≥ 50.000 LEI

3.0%

1 month

4.0%

3 months

≥ 10.000 LEI

5.0%

6 months

5.1%

12 months

5.2%
Currency Term Min. amount % annual interest for deposit with/without automatic extension

USD

1 month

≥ 3.000 USD

2.2%

3 months

2.7%

6 months

3.0%

12 months

3.3%
Currency Term Min. amount % annual interest for deposit with/without automatic extension

EUR

1 month

≥ 3.000 EUR

1.5%

3 months

2.0%

6 months

2.3%

12 months

2.5%

Benefits

  • The interest rate is fixed throughout the entire deposit period.  
  • 0 commission for opening, maintaining  and canceling a  deposit;
  • Interest is automatically renewed, capitalized and paid for at maturity
  • For quick and easy money management, deposits can be opened, maintained and cancelled through BusinessNet.

Deposits made at UniCredit Bank are guaranteed by the Bank Deposit Guarantee Fund (FGDB). The maximum guaranteed amount per client is the lei equivalent of 100.000 euro.

Q&A

How does the interest by tranches apply on a term deposit?

The interest is calculated for sold for the entire amount.

In case of an emergency, may I cancel the deposit before the term initially set?

Yes, with the compensation of the current account interest available at that moment.

APPLY NOW!

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