Do you want to open an online deposit with OTP Bank? In order to reward your choice, you receive a 0.20% bonus compared to the standard interest rate for LEI deposits.
At OTP Bank, you do not have to come to us anymore, because we come to you. How? With flexible, secure digital services, specifically designed for those who are involved in the digital environment.
So if you already have OTPdirekt - Internet Banking and Smart Bank, you can also open an online deposit in LEI, EUR, USD, HUF or GBP, for more mobility and comfort.
What are your options at maturity?
The automatic extension of the deposit with interest capitalization - the extension will be automatically made by the bank for an equal number of months with the initial option, using the interest rate valid at the date of the deposit extension, and the interest accrued for the previous period will be added to the initial deposit;
The automatic extension of the deposit without capitalization - the extension will be automatically made by the bank for an equal number of months with your initial option, using the interest rate valid at the time of the deposit extension and the interest accrued for the previous period will be transferred to the current account;
- Automatic liquidation of the online deposit - we will transfer to your current account the amount of the deposit and the corresponding interest.
The term for the standard deposit may be up to 1 month, 3 months, 6 months, 12 months, 18 months, and 24 months.
How can you open an OTP Bank online deposit?
Enable OTPdirekt - Internet Banking service or SmartBank service and you can open an online deposit anytime. The minimum amount required to open the account is 100 LEI / EUR / USD / HUF / GBP.
We are waiting for you at any of OTP Bank branches for more details on the benefits of digital banking.
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Frequently Asked Questions
Can I use the money I have in my savings account at any time? How does this affect me?
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.
When do I receive the interest for my savings from the 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.
What is the minimum amount required to open a deposit?
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.
How is the interest on deposits?
Interest on deposits is fixed and applies to the amount in the deposit account for the selected period.
Can I withdraw interest on deposits every month?
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.