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Now you can be the one to choose

the duration of your deposits. You can establish the maturity of your deposit with flexible maturity whenever you want, even after 652 days exactly!


With the deposit with flexible maturity, any day can be the maturity day.

In addition, the cash withdrawal fee on the maturity date is ZERO, provided you make an appointment one day in advance for amounts larger than EUR 5,000 or equivalent.




What are your advantages?

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The deposit with flexible maturity is available in RON, EUR, USD, HUF and GBP;

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The interest rate is fixed until the deposit maturity date;


Automatic liquidation of the deposit with flexible maturity upon maturity - the bank transfers the deposit amount and associated interest to your current account.


The set up duration can be anywhere between 1 month and 24 months for RON or between 1 month and 12 months for FCY.



How can you open a deposit with flexible maturity with OTP Bank?

All you need is a valid identity card, in original. You can apply for this type of deposit any time, at any OTP Bank branch. The minimum opening amount must be RON/ EUR/ USD/ GBP 100 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.



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.