The Dual currency structured deposits have terms between 2 weeks and one year and guarantee the interest obtained, while the capital is subject to a currency conversion risk. They are based on the exchange rate, offering a higher interest rate than the classical ones, in exchange for assuming a conversion risk (currency).
You can choose any period you want to set up deposits between 2 weeks and 1 year
Higher interest rate, as opposed to classical ones, term deposits
How to get a dual currency structured deposit?
Contact Treasury Sales Department at e-mail sales.treasury@otpbank.ro
or call us at the following numbers: 0372.31.85.83/84/85/86/87/88
Regulatory framework
For more details on the regulatory framework for OTP Bank Romania investment products and services, please visit the MiFID II page.
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Useful information, regulations, costs
- Interest rates (pdf, 265.19 KB)
- Taxes and Fees
OTP Bank Romania S.A. is a participant of the Bank Deposit Guarantee Fund in Romania and its depositors benefit from a guarantee, by payment of compensations, of eligible constituted deposits, within the coverage limit as established periodically by law, currently amounting to the lei equivalent of 100,000 EUR for each account holder. This level of coverage was established by Law No. 311/2015 concerning deposit guarantee schemes and the Bank Deposit Guarantee Fund, as published in the Official Journal No. 918 from 11.12.2015. According to the law, the term „deposit” means any credit balance, including interest due, arising from funds existing in an account or from transient situations deriving from current banking operations and which the credit institution must reimburse, according to the applicable legal and contractual conditions, including term deposits and savings accounts and which are not found in one of the situations expressly mentioned in the law as not falling under the category of these deposits (Article 3 (5) of the said law details the credit balances which do not fall under the category of deposits defined above). The notion of a „coverage limit” is the maximum level of the guarantee per guaranteed depositor and bank, applicable according to Article 61 par. (3).
Additional information for depositors is available under section „Information for depositors”, which includes the list of deposits excluded from guarantee.
More details can also be found on the website: www.fgdb.ro.
