Idea::depo online deposit


Benefits

What can you do in 3 minutes on the internet? Open a full online deposit at Idea::Bank! You have 3.65% annual interest for 12 months deposits!

  • simple: in 3 easy steps you can make an online deposit, from the comfort of your home, without ever going to the bank
  • effective: only with your identity card, you can open an Idea::WebDepo deposit in which you transfer the money from the current account you have opened at Idea::Bank or at any another bank;
  • in control: through Idea::WeDepo online platform you have all the important information about your online deposits;
  • ZERO commissions: 0 lei deposit creation, 0 lei administration fee, 0 lei withdrawal fee at maturity;
  • advantageous: you can benefit from the best interest on the market. You have 3.65% annual interest for 12 months 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 50,000 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:  Lei deposit: ranging between RON 3 - RON 12.5; Euro deposit: 0.1%, minimum 5 euro - 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!

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 1.25% 2.30% 2.90% 2.10% 3.65% 3.35% 3.35%
Currency 1 mo. 3 mo. 6 mo. 9 mo. 12 mo. 18 mo. 24 mo.
EUR 0.10% 0.35% 0,55% 0.60% 1.00% 1.00% 1.00%

Interests are valid starting 07th November 2019 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!

  1. scans or upload an image of your ID card
  2. verify that your information are correct and fill in the contact details.
  3. 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!