Do you already have Internet Banking?
Then you are used to the mobility and safety provided by OTPdirekt.
Open an online deposit in RON or EUR by using the Internet Banking service and you have a 0.20% bonus to the standard interest for deposits in RON and a 0.10% higher interest for deposits in EUR.
What are your advantages?
The online deposit from OTP is available in RON and EUR;
Fixed interest until maturity, with a standard rate + 0.20% for RON or standard + 0.10% for EUR;
Upon maturity you can choose one of the 3 options:
- automatic extension of the deposit with interest capitalisation - the online deposit will be automatically extended by the bank with a number of months equal to the initial option, by using the interest rate valid at the date of the deposit extension, and the interest accumulated for the previous period will be added to the initial deposit;
- automatic extension of the deposit without capitalisation - the online deposit will be automatically extended by the bank with a number of months equal to the initial option, by using the interest rate valid at the date of the deposit extension, and the interest accumulated for the previous period will be transferred to the current account;
- automatic liquidation of the online deposit - the bank transfers the deposit amount and associated interest to your current account.
You can set up a online deposit for 1 month, 2 months, 3 months, 6 months, 9 months, 12 months, 18 months and 24 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 100.
Do you want more
Read the information from the downloadable .pdf documents or contact us and we will answer all your questions.Interest
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.