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: 3 months, 6 months, 12 months.
The amount required for opening a deposit is 500 LEI or 200 EUR/USD.
Open a term deposit through Mobile or Online Banking and benefit from 0.3 pp in addition to the standard interest granted in the branch, for term deposits in Lei.
Why open a Term Deposit ?
ZERO commision for opening, maintaining and closing the deposit
You can choose your preferred savings period: 3 months, 6 months, 12 months
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.
Term deposit calculator
Make an estimate for the deposit’s interest rate made through Online or Mobile Banking
|TERM DEPOSITS WITH AUTOMATIC EXTENSION AND INTEREST RATE CAPITALIZATION (% per year)|
||Created through Online & Mobile Banking
For term deposits with LEI fixed interest rate on 3, 6 or 12 months opened in branch is applied the interest rate for Online & Mobile Banking Deposit minus 0.30 percentage points.
For term deposits with EUR fixed interest rate on 12 months opened in branch is applied the interest rate for Online & Mobile Banking Deposit minus 0.01 percentage points.
For term deposits in USD with fixed interest rate opened in branch, 0.00% interest is applied.
UniCredit Bank S.A. deposits are protected by Bank Deposit Guarantee Fund. The guarantee maximum limit is the lei equivalent of 100,000 euros per depositor, per bank.
Questions and Answers
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 EUR per depositor and Bank.
The only document you need to open a term deposit is an ID card.
Interest income is taxed as follows:
- 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.
At maturity, interest is added to your initial deposit, and the deposit is renewed with the balance so obtained.