Best interest rate, safety and possibility to negotiate!
With the Idea::Depo term deposits you are sure to make a good deal, whether you want to save for a short, medium or long term.
To keep things simple, you get:
- The best interest rates, whichever your preferred savings currency: RON, GBP, USD or EUR
- Wide range of maturities to choose from according to your plans
- The possibility to negotiate, when you deposit significant amounts
- Total safety, Idea::savings products are guaranteed by the Bank Deposit Guarantee Fund within the limits communicated by the Fund (100,000 euro)
You are always informed on the updated status of your accounts after transfers are made using the Idea::alerts service, by SMS and/or e-mail.
Validity, minimum amount, gain collection options, options upon maturity.
Idea::depo, the term deposit that proves it was worth it upon maturity:
- May be established for: 1, 3, 5, 6, 9, 12, 18 or 24 months
- Minimum amount for a term deposit:
- RON/EUR/USD 1,000
- GBP 3,000
- PLN 500
- You have 2 options to collect your interest gain:
- Collect it directly in your current account
- Capitalize it (add it directly to the deposit)
- You have 3 options available upon maturity:
- Automatic renewal with interest capitalization, i.e. add the accrued interest to the amount you want to save
- Automatic renewal of the deposit without interest capitalization
- Liquidation of the deposit upon maturity, i.e. collect all money upon maturity
- You can easily manage your savings and establish new term deposits using Idea::iBank internet banking service
- You are always up to date and informed on the maturity of your deposit via the Idea::alerts service
The deposit interest rate is fixed, i.e. will not change for the duration of the contract.
OFFER Idea::depo EURO
0.4% for 12 months on the new deposits in EURO
- ZERO withdrawal fee on maturity date.
- applies only to new deposits made at the counter, in internet banking or through Idea::WebDepo.
- on renewal will be applied the standard interest rates below.
Idea::depo offers you the best deal for your business cash.
In addition, the deposit interest rate is fixed, i.e. will not change for the duration of the contract.
|Currency||Deposit amount||1 month||3 months||5 months||6 months||9 months||12 months||18 months||24 months|
- the interest rates in the table are per annum and valid as of 27.09.2021.
- standard interest rates for term deposits are valid for amounts up to EUR 1 million or equivalent per client.
Idea Bank S.A. is a credit institution participating in the Deposit Guarantee Fund in the Banking System in Romania, up to the maximum threshold notified by the latter (100,000 euro). More details here: www.fgdb.ro
ZERO fees for setting up, management or upon maturity!
|Deposit set-up fees:|
|Fees during the deposit validity:|
|Fees upon deposit maturity:|
How to apply
You have several choices: in our branches, online or via Idea::iBank.
To establish an Idea::depo term deposit you can either:
See below useful information for depositors
Starting from 21.03.2016, standard interest rates for term deposits are valid for amounts up to 1 million euro or equivalent/client.
Idea Bank S.A. is a credit institution participating in the Bank Deposit Guarantee Fund in Romania, up to the maximum threshold notified by the latter (EUR 100,000). More details here: www.fgdb.ro
Please find below the information for depositors according to the provisions of Law no. 311/2015 on deposit guarantee schemes and the Bank Deposit Guarantee Fund.
Apply for Term deposits for businesses
We will get back to you in no time!