With Idea::depo you have the certainty that you will make the best choice!
- competitive interest rates, no matter what currency you decide to save: LEI, USD or EUR
- ZERO commissions: 0 lei opening deposit account, 0 lei deposit fee, 0 lei deposit renewal fee
- you can open new term deposits from the comfort of your home, without going to the bank, using Idea::myBank
- Idea:: savings products are guaranteed by the Bank Deposit Guarantee Fund (FGDB), within the limit communicated by it (100,000 euros)
Idea::depo will prove to be worth it upon maturity!
- minimum deposit amount: 500 lei, 300 EUR / USD / GBP, 500 PLN
- deposit period: 1, 3, 5, 6, 9, 12, 18 or 24 months
- 2 options for collection winnings from interest rate:
- transfer directly to your current account
- capitalize (ie you add it directly to the value of the deposit)
- 3 options available at maturity:
- automatic renewal of the deposit with capitalization of interest (add accrued interest to the amount you want to save)
- automatic renewal of the deposit without capitalization of interest
- liquidation of the deposit (withdrws all the money at maturity)
- you can manage your savings and create new time deposits through going to the bank, with Idea::myBank internet banking service
- you are always informed about your deposit maturity date via SMS/Email with the alerts service Idea::alerts.
Idea::depo offers you the best interest rates for your savings.
OFFER Idea::depo EURO
0.4% for 12 months on the new deposits in EURO
- ZERO withdrawal fee on maturity date.
- applies only to new deposits made at the counter, in internet banking or through Idea::WebDepo.
- on renewal will be applied the standard interest rates below.
Additionally, the interest rate on term deposits is fixed, meaning it does not change over the entire period of the contract.
|Currency||Amount||1 mo.||3 mo.||5 mo.||6 mo.||9 mo.||12 mo.||18 mo.||24 mo.|
- interest rates shown in the table are annual and valid as of 27.09.2021
- standard interest rates for term deposits are valid for amounts up to EUR 1 million or equivalent/customer.
Idea::depo offers you many cost advantages for your term deposit and current account!
|Commissions for opening deposit:|
|Commissions during deposit:|
|Commissions on deposit maturity:|
According to the law, interest income is subject to source taxation by applying income tax (10%).
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 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.
How to apply
Here is how you can open Idea::depo:
Apply for Term deposit
We will get back to you in no time!