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.
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
|0 - 500 lei||0%|
|500 - 25,000 lei||0.45%|
|25,000 - 6,500,000 lei||0.65%|
|> 6,500,000 lei||0.80%|
|0 - 100 Eur||0%|
|100 - 6,000 Eur||0.05%|
|6,000 - 1,500,000 Eur||0.10%|
|> 1,500,000 Eur||-|
|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:
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: 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.
Apply for Savings account
We will get back to you in no time!