The Pensionar Deposit
Collect your pension on your card and have advantageous interest rates on deposits!
Advantages
- Fixed interest rate for the whole deposit period, regardless of the market evolution;
- Zero cash withdrawal fee for deposits with higher maturity than 180 days (inclusively);
- You can choose automatic deposit extension on maturity, with the following options of interest payment:
- capitalization of the interest at maturity (the accrued interest will be added to the initially deposited amount),
- interest payment at maturity (the accrued interest will be transferred into the current account, where it is available at any moment).
- Deposits are secured by the Bank Deposits Guarantee Fund of Romania, within the limit of EUR 100,000 ceiling, in RON equivalent per depositor.
Characteristics
- Available at the bank’s counters,
- Currency: RON/EUR/USD,
- Minimum amount: RON 300, EUR/USD 100,
- Interest rates table (%/year):
Period RON EUR USD 180 days 5.70 2.60 3.10 365 days 5.90 2.90 3.55
Good to know!
- The interest rate is expressed in an annual percentage;
- You have the possibility to appoint up to two mandated persons to operate on the deposit in your name;
- The interest is subject to the tax on income, according to regulations in force;
- In case of liquidation before maturity, the interest due for the whole period is calculated according to the number of days since the opening, with the application of interest rates, as follows:
- 0%, if the deposit was not renewed at least once
or
- If the deposit has been renewed at least once, the interest rate valid on the date of liquidation of the deposit and related to the standard deposits on term of 30, 60 or 90 days is applied, provided that the number of days elapsed from the date of renewal to the date of liquidation of the deposit before the term is more than 30 days. If the number of days elapsed is less than or equal to 30 days, the 0% interest rate is applied.