When you open a savings account with UniCredit Bank, in lei, euros or American dollars, you receive the flexibility of a current account and the advantage of saving with more convenient interest rates. You can transfer money from your current account into your savings account if you want to save and vise versa at any time. Thus, you won’t lose the interest calculated until you withdraw your money from your savings account. 


Benefits:

  • 0 FEES: Your savings account can be funded any time and is not subjected to activation, administration, or closing fees;
  • FLEXIBLE: You have permanent access to your money if you have the minimum amount required for opening a savings account, i.e. 200 lei / 100 euros /100 American dollars, depending on the currency you choose. You can withdraw cash from your account until you reach the minimum amount. You can also transfer money from your savings account into your current account so that you can cover current expenses.
  • PROFITABLE: The bank provides you with a convenient interest rate for each type of currency, as long as the money deposited in the account exceeds the minimum required amount.


What interest do I receive?


Interest rates apply according to the amounts deposited (tranches) in the savings account. Amounts that exceed each tranche's maximum limit are subject to next tranche's interest rate, in the following manner:

Tranche

Interest rate (% / year)

LEI

EUR

USD

≥100.000

0.45

0.15

0.25

≥ 50.000 - < 100.000

0.40

0.10

0.20

≥10.000 - <50.000

0.35

0.10

0.15

<10.000

0.25

0.05

0.10


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.

Revenues representing interests resulting from savings instruments are subject to the following tax scheme : 

-10% for interest rates paid by resident private individuals;

-16% for interest rates paid by non-resident private individuals and legal entities.

-A rate stipulated by the convention of avoidance of double taxation that Romania concluded with other states, when a non-resident client presents a valid certificate of fiscal residence for 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 perdepositor, per bank.


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Children have many qualities; however, budget management is not their strong point. Fortunately, parents are more responsible and know how important it is to give their children a quality education that helps them succeed in the future.

Therefore, UniCredit Bank helps you efficiently manage money dedicated to your child’s current and future needs with the Junior Savings Account - available in lei, euros or American dollars and specifically designed to collect large sums through small and constant deposits. When your child turns 18, the small amounts deposited over the years, combined with an attractive interest rate, will ensure that they have adequate financial support.


Benefits:

  • 0 FEES: The savings account can be funded at any time and is not subjected to any opening, managing, or closing fees. You can also have the bank automatically transfer amounts from your current account into the Junior Savings Account at no additional cost.
  • FLEXIBLE: You have permanent access to the deposited money, provided that the required account opening minimum amount is kept in the Junior Savings Account (300 lei / 100 euros / 100 American dollars depending on the currency you choose). You can withdraw money from the account at any time, in cash up to the minimum amount.
  • PROFITABLE: The bank offers you an advantageous interest rate for each type of currency as long as the money deposited in the account is above the minimum amount required.

For the Junior Current Account opened from 1st February 2017, you can receive the following interest rates:

  • Lei: 1,30% per year;
  • Euro: 0,30% per year;
  • American dollars: 0,30% per year.


Pentru Contul Curent Junior beneficiezi de urmatoarele rate de dobanda:

  • Lei : 2,50% pe an,
  • Euro : 1% pe an,
  • Dolari : 1% pe an.


Pentru Contul Curent Junior beneficiezi de urmatoarele rate de dobanda:

  • Lei : 2,50% pe an,
  • Euro : 1% pe an,
  • Dolari : 1% pe an.

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