Now is simple to save for your plans.
Open a free savings account in RON, EUR or USD and start saving to accomplish your dreams, now simpler than ever.
Don’t leave for tomorrow what you can save today!
Benefits:
- ZERO FEES: for opening, managing or closing the account;
- FLEXIBLE: You have permanent access to your money. A minimum amount is not required for account opening. You can deposit or withdraw money whenever you need, without losing interest;
- SIMPLE AND EASY: Save effortlessly at your own pace by activating a free standing order that will automatically transfer an amount set by you from your current account into the saving account. You can open a saving account in LEI, EUR or USD without going to the bank, by using the Mobile or Online Banking* applications.
What interest do I receive?
| Interest rate (% / year) | ||
|---|---|---|
| LEI | EUR | USD |
| 0,40 | 0,00 | 0,10 |
You saving accounts are secured by the Bank Deposit Guarantee Fund (FGDB).
The interest will be calculated in relation to the daily balance of the savings account and will be transferred into your current account each month or capitalized in the savings account based off whichever option you choose.
Interest revenues resulting from savings instruments are subject to the following withholding interest tax rate :
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.
UniCredit Bank savings accounts are guaranteed through the Deposit Guarantee Fund in the banking system. The guarantee maximum limit is the lei equivalent of 100,000 euros per depositor, per bank.
*Online Banking – Internet banking type of service
Children take the first step in managing their finances together with their parents.
They will gain confidence in their own financial decisions and they will prepare for the moment when they will have the freedom to decide how they will manage their financial resources.
Ensure a bright future for your child by constantly saving for him in a Junior Saving Account.
Your child is the owner of the Junior Saving Account that can be opened in LEI, EUR or USD.
You can activate a free standing order that will automatically transfer an amount set by you from your current account into the Junior Saving Account.
Small amounts constantly accumulated over the years will be a real financial support for your child.
Benefits:
- ZERO FEES: for opening, managing or closing the account;
- FLEXIBLE: permanent access to your money. A minimum amount is not required for account opening. You can deposit or withdraw money whenever you need, without losing interest;
- SIMPLE AND EASY: save effortlessly for your child at your own pace by activating a free standing order that will automatically transfer an amount set by you from your current account into the Junior Saving Account.
Interest rates:
| Interest rate (% / year) | ||
|---|---|---|
| LEI | EUR | USD |
| 0,50 | 0,00 | 0,20 |
You saving accounts are secured by the Bank Deposit Guarantee Fund (FGDB).