For OTP Bank clients

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OTP Bank offers a high degree 

of flexibility to choose the optimal combination of deposit period, interest payment method and currency in which you want to save!

What advantages does the term deposit offer you? 

otp bank

The interest rate is fixed until the deposit maturity date;

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The deposit may be set up in several currencies;

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Upon maturity you have the following options: automatic extension of the deposit with interest capitalisation, automatic extension of the deposit without capitalisation, automatic liquidation of the deposit.


For additional information please refer to:  interest rates for Legal Entities.


Get the most out of the advantages of the deposits provided by OTP Bank, consider all options and upon maturity you will be certain that it was worth it!


OTP Bank Romania S.A. is a participant of the Bank Deposit Guarantee Fund in Romania and its depositors benefit from a guarantee, by payment of compensations, of eligible constituted deposits, within the coverage limit as established periodically by law, currently amounting to the lei equivalent of 100.000 EUR for each account holder. This level of coverage was established by Law No. 311/2015 concerning deposit guarantee schemes and the Bank Deposit Guarantee Fund, as published in the Official Journal No. 918 from December 11th, 2015. According to law, the notion of a „deposit” means any credit balance, including the interest due, resulting from funds in an account or in transitory situations, deriving from current banking transactions, which the bank should repay, according to applicable legal and contractual conditions, including term deposits and savings accounts and which are not included in the list of situations mentioned in the Law specifically as not entering the category of these deposits (art. 3 (5)) of the law mentioned, detailing the credit balances which are not included in the deposit categories defined above). The notion of a „coverage limit” is the maximum level of the guarantee per guaranteed depositor and bank, applicable according to art. 61 par. (3).


Additional information for depositors is available under section „Information for depositors”, including the list of deposits excluded from guarantee.

For more details please visit the website: www.fgdb.ro.