Term deposits

Save money effectively

  • ZERO opening and maintenance fee

  • You decide the best period for saving up

  • You save money easily

  • You get discounts and free benefits

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First the interest rate. Then the other savings details.


Digital deposits campaign

Open a digital deposit through Online or Mobile Banking and you will get a 3.5% interest rate for term deposits of minimum 10.000 LEI for 6 months. The interest rate is available for new deposits opened between the 19th of July 2018, 09:00 AM, and December 31 2018, 09:00 AM, according to the Regulation.



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.


3 years term deposit in LEI: the interest rate of 3% per year is fixed during the term of the deposit until the first maturity. This deposit is available only on branches and the minimum amount required for opening is of 500 lei.

The interest rate is composed from annual interest rate and maturity bonus:

  • The annual interest rate of 1.5% per year will be credited into the current account on the anniversary of a calendar year (12 months calculated from the start date of the deposit) and subsequently to the anniversary date of each new 12-month period. In case of early maturity, the interest rate already credited into the current account at the anniversary date of 12 months remains acquired by the deposit holder.
  • The bonus interest rate of 1.5% is applied annually at the initial amount, is added above the annual interest rate and is paid at deposit maturity. In case of early maturity, the bonus interest rate is no longer paid.


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, 2 years or 3 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.

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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 WITHOUT AUTOMATIC EXTENSION AND FIXED INTEREST RATE (% per year)
Period
  Tranche RON
 EUR
 USD
2 years
 ≥1.000 1.05 0.15 0.80
TERM DEPOSITS WITH AUTOMATIC EXTENSION AND FIXED INTEREST RATE (% per year)
Period
 Type of interest
 Tranche
 RON
3 years
 Fixed, paid annualy*
 ≥500
 1.5% per year
Bonus paid at maturity**
 1.5% per year

* annually credited into the current account on the anniversary of a calendar year (12 months calculated from the start date of the deposit) and subsequently to the anniversary date of each new 12-month period.

** is applied annually at the initial amount, is added above the annual interest rate and is paid at deposit maturity. In case of early maturity, the bonus interest rate is no longer paid.

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 made through Online or Mobile Banking

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