For OTP Bank clients

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You have worked your entire life

so you deserve to enjoy your retirement. With the deposit for retirees, your savings are safe and the benefits are created especially for you. Come to any OTP Bank branch and take advantage of our special offer for retirees*.




What are your advantages?

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The deposit for retirees is available in RON, EUR, USD, HUF and GBP;

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0.20% over the standard bank interest for term deposits in RON;

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The possibility to increase the savings rate due to the interest capitalisation effect;

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Zero opening, liquidation and cash withdrawal fees**;

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Fixed interest until maturity;

* the interest bonus is granted only as part of the package for retirees.

** only in case of cash withdrawals for term deposits at maturity date.


Upon maturity you can choose one of the 3 options:

  • automatic extension of the deposit with interest capitalization;
  • automatic extension of the deposit without interest capitalization;
  • automatic liquidation of the deposit - the bank transfers the deposit amount and associated interest to your current account.


You can set up a standard deposit for retirees for 1 month, 2 months, 3 months, 6 months, 9 months, 12 months, 18 months and 24 months and a promotional one for 4 months, 9 months and 15 months.


How can you open an online deposit with OTP Bank?

All you need to do is activate the OTPdirekt service, and you can set up an online deposit at any time. The minimum opening amount must be RON/EUR/USD/GBP 100 (RON 2.000 in case of promotional deposits) or HUF 25.000.

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Do you want more

Read the information from the downloadable .pdf documents or contact us, and we will answer all your questions.



Note: This offer is not cumulated with other Bank promotions.



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.

Do not fall into the category of deposits, as they were defined, credit balances whose existence can only be proven by a financial instrument, as it is defined in article 2 paragraph (1) point 11 of Law no. 297/2004 regarding the capital market, as amended and supplemented, unless it is a savings product certified by a certificate of existing nominal deposit on July 2, 2014. More information can be obtained by accessing depositors document: „ Information for depositors ”. More details are available on the website: www.fgdb.ro.