Because every single coin counts, especially when it comes as a bonus, choose the Idea::account+ savings account and combine the profitability of a deposit with the flexibility of a current account:

  • Simple: a savings account easy to open (in RON, EUR or USD) and easy to use
  • Quick access to your money, through the attached Idea::debit card with ZERO lei withdrawal fee from any ATM anywhere in the world with Idea::activ offer
  • It’s profitable: you get an attractive interest deal, similar to the interest rate on a deposit
  • No penalties: you don’t lose any of the accrued interest if you need cash and withdraw a part of the money in the account
  • Minimum cost: only a minimum monthly management fee will be charged from your savings account (1 lei equivalent in account currency), no opening fee, no minimum balance and no closing fee
  • It’s transparent: you can check the status of your savings account from Idea::iBank internet banking service or you can choose to receive e-mail/SMS notifications on the transactions made, using Idea::alerts service
  • Your Idea::Bank savings account brings you extra security with Idea::protect life insurance, powered by Aegon Romania


Idea::account+ is the savings account that you need!

  • Can be opened in RON, EUR or USD
  • You can keep your cash with an attractive interest rate
  • You can withdraw money with no interest penalty, like in the case of a deposit terminated before maturity.

To receive a high interest rate, you need to maintain a minimum amount in the savings account, according to the interest table in the interest section.

Idea::protect insurance

A plus of security attached to your account in lei!

Idea::protect life insurance is offered in partnership with Aegon Romania.

  • You can choose from the 4 packages Idea::protect: Basic, Basic Plus, Premium or Extra, depending on the degree of coverage you want.
  • Idea::protect is addressed to individuals with an savings account in lei, with a minimum age of 18 years at the activation of the insurance and maximum 75 years at the exit of the insurance for the Basic, Premium and Extra packages, and 65 years for the Basic Plus package.
  • Insurance period: Idea :: protect protects you during the holding of savings account in lei opened at Idea :: Bank
  • You can associate a single insurance package Idea :: protect an account in lei Idea :: Bank, but you can hold up to 5 insurance packages, the same or different

What does Idea::protect offer you?

Depending on the package you choose, Idea::protect gives you protection for the following events:

  Pachete Idea::protect
Risks and insured amounts Basic Basic Plus Premium Extra
Death from accident or illness 500 lei 500 lei 500 lei 500 lei
Death from accident 24.000 lei 24.000 lei 24.000 lei 24.000 lei
Permanent disability from accident - 24.000 lei - -
Surgery from the accident - - - 12.000 lei
Hospitalization by accident (daily allowance) - - 48 lei 48 lei
Monthly premium 3 lei 6 lei 12 lei 24 lei

How does Idea::protect work?

Depending on the date of signing the insurance application, the coverage of Idea::protect insurance becomes active as follows:

  • if you choose to be included in the insurance up to the 25th of the current month, the insurance coverage starts on the 1st of the following month;
  • if you choose to be included in the insurance during the period between 26 and the end of the current month, the insurance coverage starts on the 1st of the second month.

How is the insurance premium paid?

  • Your account to which you have attached Idea::protect will be debited monthly, on the last business day of each month for the following month.


Interest rates in lei, euro and usd

Amount Interest rate
0 - 500 lei 0%
500 - 25,000 lei 0.45%
25,000 - 6,500,000 lei 0.65%
> 6,500,000 lei 0.80%
Amount Interest rate
0 - 100 Eur  0%
100 - 6,000 Eur 0.05%
6,000 - 1,500,000 Eur 0.10%
> 1,500,000 Eur -
Amount Interest rate
0 - 100 Usd 0%
100 - 6,000 Usd 0.10%
6,000 - 1,500,000 Usd 0.25%
> 1,500,000 Usd -
  • the interest rates are valid as of 27.07.2020
  • standard interest rates for term deposits are valid for amounts up to 1 million EUR or equivalent/client.


Idea::account+ comes with many cost benefits!

  • Savings account opening fee: 0 lei
  • Savings account closing fee: 0 lei
  • Monthly savings account management fee: 1 leu, equivalent in the currency of the account
  • Card issuance fee: 0 lei

How to apply

Here is how you can open the Idea:account+ savings account:

  • Visit any Idea::Bank branch, but don’t forget your ID card
  • Fill in the online form in this subsection, and we will get back to you for more details

Useful information

Interest rates and required documents

Starting from 21.03.2016, standard interest rates for term deposits and savings accounts are valid for amounts up to 1 million EUR 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 (100,000 EUR). More details here:

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 Savings account

We will get back to you in no time!