We would like to draw your attention to the increase in spoofing fraud attempts, where attackers call potential victims from a phone number that appears to be the bank's and pose as employees of financial institutions. We advise you to be vigilant and not to share confidential data such as bank account access credentials (IB) or bank card security data with anyone.

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How can you open a deposit with OTP Bank?


Go Internet and Mobile Banking

Use the OTPdirekt platform
and open your deposit online.

Learn How

Visit Us

We're waiting for you at the branch
with your Identity Card in original.

Search Branch

Contact Us

Request a phone call,
and we will contact you as soon as possible.

Request Call

For deposits made through Internet and Mobile Banking you have an interest bonus of 0.15% p.a. for deposits in Lei, Eur, Usd.

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Frequently Asked Questions

Yes, money deposited in a savings account can be used at any time. You will still receive the interest calculated for the amount you have in your savings account.

Interest is calculated based on the daily amount you have in your account and is transferred into your savings account at the beginning of the following month. The interest rate is variable and varies depending on cumulative instalments.

To open a deposit account with OTP Bank, you need at least 100 LEI, 100 EURO, 100 USD, 100 GBP or 25.000 HUF. To find out the interest rate level applied depending on the amount deposited and the maturity period, go to this link.

Interest on deposits is fixed and applies to the amount in the deposit account for the selected period.

You can withdraw interest monthly only if you opt for the following options:

  • Deposit in LEI, EUR, USD, HUF, GBP with one month maturity;
  • Deposit in LEI, EUR on 1 year with fixed interest and monthly interest payment.

OTP Bank Romania S.A. is participating at the Guarantee Fund for Banking Deposits (FGDB), and their depositors benefit, by compensations payment, of guarantee of the deposits held, within the cover limit established by the law periodically, which is EUR 100,000 (RON equivalent) at the present time, for each account holder. This cover limit was established by the Law no. 311/2015 regarding the deposits guarantee schemes and guarantee fund for banking deposits, published in the Official Monitor no. 918 from December 11, 2015. According to the law, the „deposit” notion represents any credit balance, including due interest, resulted from funds held in an account or from transitory situations deriving from current banking transactions that should be reimbursed by the financial institution, according to the legal and contractual conditions applicable, including term deposits and savings accounts, and the notion „cover limit” represents the maximum level of the guarantee/ per depositor/ per credit institution, applicable according with article 61 paragraph (3) or, after case according with article 62.

More information can be obtained by accessing depositors document: „Information for depositors”. More details are available on the website: