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Your savings account combines the flexibility of a current account
with the higher interest rate of a deposit.
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:
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.
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:
For the Junior Current Account opened from 1st February 2017, you can receive the following interest rates:
Pentru Contul Curent Junior beneficiezi de urmatoarele rate de dobanda:
Pentru Contul Curent Junior beneficiezi de urmatoarele rate de dobanda: