Term deposits

Deposits for Your Fixed-Term Plans

Every year, you know very well how much money you need, what for, and especially when. So, for these fixed-date expenses, open a 3 or 6 month term deposit in advance and let our super interest rates help you out.

Term deposits

Open a term deposit from the Mobile Banking application with new funds.

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!

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.

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
Period	LEI	EUR	USD
3 months	5.20%	1.80%	2.70%
6 months	5.50%	2.00%	3.00%
12 months	5.50%	2.10%	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 B@nking & Mobile B@nking deposit minus 0.30 percentage points.

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

For term deposits with LEI fixed interest rate on 3, 6 or 12 months opened in branch by customers who collect the pension using PENSIONER offer, is applied the same interest rate available for Online B@nking or Mobile B@nking term deposits.

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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Deposits for Your Fixed-Term Plans

Open a term deposit from the Mobile Banking application with new funds.

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

Questions and Answers

Deposits for Your Fixed-Term Plans

Term deposits

Open a term deposit from the Mobile Banking application with new funds.

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

Questions and Answers

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