Idea::credit line
Credit line with benefits for your business!
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Benefits
What can you do in 3 minutes on the internet? Open a full online deposit at Idea::Bank and benefit from 0.5% annual interest for 12 months EUR deposits!
- simple: in 3 easy steps you open an online deposit, from the comfort of your home, without ever going to the bank
- effective: you need only your identity card and then transfer the money in your deposit from the current account you have opened at Idea::Bank or at any another bank;
- control: login you Idea::WebDepo account to see all the important information about your online deposits;
- ZERO commissions: 0 lei deposit creation, 0 lei administration fee;
- advantageous: benefit from competitive interest, like 0.5% annual interest for 12 months EUR deposits!
Features
The term deposit that proves it was worth it upon maturity.
- flexibility: open an Idea::WebDepo deposit in LEI or EUR
- amount: deposits start from 1,000 Lei, up to 200,000 Lei (or up to 40,000 EUR);
- period: 1 month, 3, 6, 9, 12, 18 or 24 months
- 2 options available upon maturity:
- automatic renewal for the same period for which each deposit was previously set up, with interest capitalization (add the accrued interest to the amount you want to save);
- liquidation of the deposit, respectively transfer all the money at maturity (interbank transfer fee RON / EUR deposit: between 3.5 RON - 0.03%, min. 15 RON, max. 100 RON, equivalent in the currency of the deposit - for more details see List of fees and commissions)
safety: Idea:: saving products are guaranteed by the Bank Deposit Guarantee Fund, within the limit communicated by it (100,000 euros).
Idea::WebDepo interest rates
Add value to your savings!
OFFER Idea ::depo EURO
0.5% for 12 months 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.
Discover below the preferential interest rates for Idea::WebDepo:
| Currency | 1 mo. | 3 mo. | 6 mo. | 9 mo. | 12 mo. | 18 mo. | 24 mo. |
|---|---|---|---|---|---|---|---|
| LEI | 1.00% | 2.00% | 2.85% | 2.10% | 2.75% | 2.80% | 2.80% |
| Currency | 1 mo. | 3 mo. | 6 mo. | 9 mo. | 12 mo. | 18 mo. | 24 mo. |
|---|---|---|---|---|---|---|---|
| EUR | 0.10% | 0.20% | 0.30% | 0.35% | 0.50% | 0.45% | 0.45% |
Interests are valid starting 02.03.2021 and apply for the first deposit opened through Idea::WebDepo. At renewal will apply standard rates.
Interest rates refer to the annual nominal interest rate for deposits made exclusively online through Idea::WebDepo. From the calculated interest rate, the interest income tax is retained, according to the law.
Useful information
How can you open a deposit Idea::WebDepo?
Choose the specifications of the desired deposit: currency, amount, period and fill in the request to create the online deposit in 3 simple steps!
- scans or upload an image of your ID card
- verify that your information are correct and fill in the contact details.
- check the details or your desired deposit and create your username and password to access the Idea::WebDepo platform where you can transfer the money you want to save.
Activate Idea::WebDepo - after successfully passing the 3 steps, you will receive an e-mail with the IBAN of your deposit account as well as all necessary documentation.
You have 7 days from the moment you receive the IBAN to transfer the funds in your deposit from an account opened on your name.
Transfer the money to your new online deposit! Acces Idea::WebDepo platform and enjoy the benefits of your online deposit.
Useful information regarding term deposits: interest, documents, legislation.
Client guide
Find out how simple you can open an online deposit!
Apply for Online deposit 
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