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:
    • check the status of your savings account from Idea::myBank internet banking service
    • you can choose to receive e-mail/SMS notifications on the transactions made, using Idea::alerts service.


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.


Interest rates in lei, euro and usd

Amount Interest rate
0 - 5.000  0%
5.000 - 50.000  0.50%
50.000 - 500.000 1.00%
>500.000 0.10%
Amount Interest rate
0 - 1.000  0%
1.000 - 10.000 0.05%
10.000 - 100.000 0.10%
>100.000 0%
Amount Interest rate
0 - 1.000 0%
1.000 - 10.000 0.10%
10.000 - 100.000 0.25%
>100.000 0%
  • the interest rates are valid as of 27.09.2021
  • standard interest rates for savings accounts 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!