Flexible Account
Deposit, withdrawal, deposit withdrawal… Now, you have an actually flexible way of saving, also enjoying a super interest. In addition, you can deposit or withdraw cash any time.
Advantages
You have a permanent current account available in RON, EUR or USD, through which you can conduct several transactions:
- cash deposits and withdrawals,
- collections and payments between bank accounts,
- foreign currency exchanges,
- opening and closing deposits on term,
- repayment of credit instalments.
The cash available in the accounts opened with us is secured by the Bank Deposits Guarantee Fund of Romania, within the limit of EUR 100,000 ceiling, in RON equivalent per depositor.
We inform you that, according to Law 311/2015 regarding the deposits guarantee schemes and of the Bank Deposits Guarantee Fund, the credit institutions have the obligation to inform the clients about the deposits guarantee scheme and the deposit categories excluded from securing. Such information is accessible here.
Characteristics
- Currency: RON, EUR and USD
- Minimal amount: RON 1000, EUR 250 and USD 250
- Interests: variable percentages, depending on the balance registered at the end of the day:
| Currency | RON | |
|---|---|---|
| Daily balance | ≤50,000 | > 50,000 |
| % (p/a) | 3.50 | 4.00 |
| Currency | EUR | |
|---|---|---|
| Daily balance | ≤5,000 | > 5,000 |
| % (p/a) | 1.00 | 1.25 |
| Currency | USD | |
|---|---|---|
| Daily balance | ≤5,000 | > 5,000 |
| % (p/a) | 1.50 | 2.25 |
Good to know!
- the minimum amount is required only for opening the current account, then can be used any time,
- the value of monthly interest should be of minimum: RON 2.88/EUR 0.21/USD 0.31; the interests with values below these thresholds will not be granted.
Monthly fees
- Monthly fee: RON 5 or EUR 1.3 for foreign currency accounts;
- Debit fee:
- for the first 3 debit transactions, only the standard fees will be applied,
- starting the 4th debit transaction, a RON 5/transaction fee shall be added to the standard transaction fee,
- it is applied for the next debit transactions:
– inter and intra banking payments,
– foreign currency exchanges,
– cash withdrawals. - It is not applied for the next debit transactions:
– credit installments repayment,
– deposit establishment,
- For operations conducted through Flexibil savings account, we charge taxes and fees according to the List of Commissions in force.