With the Idea::depo term deposits you are sure to make a good deal!
- Attractive interest rates on your deposits, no matter the of the preferred savings currency: LEI, USD or EUR
- ZERO fees: 0 lei deposit fee, 0 lei withdrawal fee upon maturity, 0 lei management fee
- The possibility to open new deposits from the comfort of your home, without the need to actually go to the bank, using Idea::iBank
- Idea::savings products are guaranteed by the National Deposit Guarantee Fund in the Banking System within the limits communicated by the Fund (100,000 EUR)
Idea::depo, the term deposit that proves it was worth it upon maturity.
- Minimum amount of the bank deposit: 500 lei, 300 EUR/USD/GBP, 500 PLN
- Time period to which it may be established: 1, 3, 5, 6, 9, 12, 18 or 24 months
- 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 deposits using Idea::iBank internet banking service
- You are always up to date and informed on the maturity of your deposit via Idea::alerts SMS/e-mail alerts service
Idea::depo offers you the best deal for your savings.
In addition, the deposit interest rate is fixed, meaning 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 11.05.2018
- standard interest rates for term deposits are valid for amounts up to 1 million EUR or equivalent/client.
Idea::depo comes with many cost benefits!
|Deposit set-up fees:|
|Fees during the deposit validity:|
|Fees upon deposit maturity:|
According to the law, interest income is subject to withholding tax, by applying the income tax rate (16%).
Interest, documents, legislation
Starting from 21.03.2016, standard interest rates for term deposits are valid for amounts up to 1 million EUR or equivalent/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 EUR). 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.
How to apply
To establish an Idea::depo term deposit you can either:
Apply for Term deposit
We will get back to you in no time!