What makes you a successful entrepreneur is the ability to calculate and consider every move. And for this you need a reliable partner to support you and offer you advantageous and fast solutions for your business goals. The Deposits with Prepaid Interest Rate is ideal when you want to get the interest in the current account on the day of its set up.
What are the advantages of Deposits with Prepaid Interest Rate?
You receive the interest in the current account on the day of the deposit's set up;
The interest rate is fixed throughout the validity period of the deposit;
At maturity, the deposit is automatically liquidated and the money transferred into the account;
You can make the deposit for a period of 3, 4 or 6 months in LEI, EUR or USD;
The minimum amount required to open the deposit is 500 LEI / EUR / USD depending on the currency of the deposit.
How can you get a Deposit with Prepaid Interest Rate?
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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 the law, the term „deposit” means any credit balance, including interest due, arising from funds existing in an account or from transient situations deriving from current banking operations and which the credit institution must reimburse, according to the applicable legal and contractual conditions, including term deposits and savings accounts and which are not found in one of the situations expressly mentioned in the law as not falling under the category of these deposits (art.3 (5) of the said law details the credit balances which do not fall under the category of deposits 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”, which includes the list of deposits excluded from guarantee.
More details can also be found on the website: www.fgdb.ro.