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First the interest rate. Then the other savings details.

Fixed interest rate deposits: the interest rate is fixed during the term of the deposit until the first maturity. The deposit period can be: 1 month, 3 months, 6 months, 12 months, or 2 years.

The amount required for opening a deposit is 500 lei or 200 euros / American dollars, while for a deposit on a 2-year period, the minimum amount is 1000 lei / euros / American dollars.


Why open a Term Deposit ?

Efficient

ZERO commision for opening, maintaining and closing the deposit;

Flexible

The UniCredit clients can choose their preferred savings period: 1 month, 3 months, 6 months,  12 months or 2 years;

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.

With discounts

After reaching maturity and having the first automatic extent, the term deposits that are opened for a period of minimum 6 months, have ZERO commission on cash withdrawals made at the pay office.


Start saving more. Smarter and easier.

Term deposit calculator

Make an estimate for the deposit’s interest rate

Interest rates

TERM DEPOSITS WITH AUTOMATIC EXTENSION AND INTEREST RATE CAPITALIZATION (% per year)
Period Tranche Created in branch or through Contact Center Created through Online & Mobile Banking
RON EUR USD RON
EUR
USD
1 month ≥100.000 0.25 0.10 0.40 0.40
0.25
0.55
≥10.000 - <100.000 0.20 0.05 0.35 0.35
0.20
0.40
<10.000 0.15 0.01 0.30 0.30
0.15
0.45
3 months ≥100.000 0.55 0.10 0.70 0.70
0.25
0.85
≥10.000 - <100.000 0.50 0.05 0.65 0.65
0.20
0.80
<10.000 0.45 0.05 0.60 0.60
0.20
0.75
6 months ≥100.000 0.80 0.15 0.90 0.95
0.30
1.05
≥10.000 - <100.000 0.70 0.10 0.85 0.85
0.25
1.00
<10.000 0.60 0.05 0.80 0.75
0.20
0.95
12 months ≥100.000 0.90 0.25 1.00 1.05
0.40
1.05
≥10.000 - <100.000 0.85 0.20 0.95 1.00
0.35
1.10
<10.000 0.80 0.15 0.90 0.95
0.30
1.05

TERM DEPOSITS WITH AUTOMATIC EXTENSION AND NO INTEREST RATE CAPITALIZATION (% per year )
Perioada
Tranche
RON
EUR
USD 
2 years
≥1.000 1.05 0.15
0.80


Start saving more. Smarter and easier.

Term deposit calculator

Make an estimate for the deposit’s interest rate

Questions and Answers

How does installment interest apply to a term deposit for private individuals?

Depending on the corresponding installment, the interest rate is calculated on the balance for the entire amount.


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 euros 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 rate income tax is 16% and it is paid by the client according to the current legislation.


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.


Start saving more. Smarter and easier.

Term deposit calculator

Make an estimate for the deposit’s interest rate

Mobile Phones
Mobile Banking

The UniCredit branch in your poket

ZERO administration fees

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