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.

TERM DEPOSITS WITH AUTOMATIC EXTENSION AND INTEREST RATE CAPITALIZATION (% per year)
Period
Tranche Created through Online & Mobile Banking
RON
EUR
USD
1 month
≥100.000 1.25 0.15 0.55
≥10.000 - <100.000 1.20 0.15 0.50
<10.000 1.15 0.15 0.45
3 months
≥100.000 1.55 0.15 0.85
≥10.000 - <100.000 1.50
0.15 0.80
<10.000 1.45
0.15
0.75
6 months
≥100.000 1.80 0.15 1.05
≥10.000 - <100.000 1.70 0.15 1.00
<10.000 1.60 0.15 0.95
12 months
≥100.000 1.90 0.15 1.15
≥10.000 - <100.000 1.85
0.15 1.10
<10.000 1.80 0.15 1.05
TERM DEPOSITS WITH AUTOMATIC EXTENSION AND INTEREST RATE CAPITALIZATION (% per year)
Period
Tranche RON
EUR USD
2 years
≥1.000
1.05
0.15 0.80

For term deposits with RON fixed interest rate on 1, 3, 6 or 12 months opened in branch or by Contact Center is applied the interest rate for Online & Mobile Banking Deposit minus 1.00 procentual point.

For term deposits with EURO or USD fixed interest rate on 1, 3, 6 or 12 months opened in branch or by Contact Center is applied the interest rate for Online & Mobile Banking Deposit minus 0.15 procentual points.

The minimum amount for a term deposit for a period between 1 month and 12 months is 500 RON / 200 EUR / 200 USD.

The minimum amount for a term deposit for a period of 2 years is 1.000 RON / 1.000 EUR / 1.000 USD.

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 income is taxed as follows:

- 10% in case of interest paid to resident individuals;

- 16% in case of interest paid to non-resident individuals and non-resident legal entities;

- the tax rate provided by the Double Tax Treaties concluded by Romania with other states, if the non-resident presents a certificate of fiscal residence 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.


Start saving more. Smarter and easier.

Term deposit calculator

Make an estimate for the deposit’s interest rate

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