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 deposit fee, 0 Lei withdrawal commission upon maturity, 0 lei administration fee;
- you can open new term deposits from the comfort of your home, without going to the bank, using Idea::iBank
- 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::iBank 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.
Additionally, the interest rate on term deposits is fixed, meaning it does not change over the entire period of the contract.
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- interest rates shown in the table are annual and valid as of 02.07.2019
- 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!
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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 Deposit Guarantee Fund in the Banking System 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:
- come in one of our branches, with your identity card
- fill in the online form in this section by clicking the apply button
- if you are our client, you can open a deposit directly from Idea::iBank internet banking.
Apply for Term deposit
We will get back to you in no time!