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

View the offer

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.

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

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.


Term deposit calculator

Make an estimate for the deposit’s interest rate made through Online or Mobile Banking

Created through Online & Mobile Banking
3 months
0,15 0,80
6 months
1,70 0,15 1,00
12 months
0,15 1,10

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 1.00 percentage points.

For term deposits with EURO or USD fixed interest rate on 3, 6 or 12 months opened in branch is applied the interest rate for Online & Mobile Banking Deposit minus 0.15 percentage points.

Questions and Answers

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 EUR 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.

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