For OTP Bank clients

For updating personal data or company data and legal / conventional representatives

Click here

Choose the deposit with progressive interest rate

if you want to save money and gain from the monthly accumulated interest.


This deposit can be set up for a period of 6 or 12 months, in RON or in EUR.


The interest rate increases progressively on a monthly basis, until deposit maturity, the interest rate for each month being determined at deposit setup. Each month, the interest for the previous month will be transferred to your current account, and you can benefit from this amount even before the liquidation of the deposit.



What are your advantages?

otp bank

If you are in urgent need of money and have to liquidate the deposit before maturity, you do not lose the accumulated monthly interest;

otp bank

0% cash withdrawal fee at the final maturity date of the deposit;

otp bank

You benefit from the accumulated interest even before liquidation of the deposit;

otp bank

Free opening and administration of the current account;

otp bank

Competitive interest rates.


Upon maturity you can choose one of the 2 options:

  • automatic extension of the deposit - the deposit will be automatically extended by the bank with a number of months equal to the initial option;
  • automatic liquidation of the deposit - the bank transfers the deposit amount to your current account.


How can you open a deposit with progressive interest with OTP Bank?

All you need is a valid identity card, in original. You can apply for a deposit with progressive interest rate any time, at any OTP Bank office.

The minimum opening amount must be RON 1,000, respectively EUR 500.

otp bank

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.