Getting started requires care and perseverance.
With term deposits from OTP Bank, your savings grow with you, giving you more security and stability for the future.
Choose a secure future, choose to save with OTP Bank.
Term deposits
Your savings grow with you
You make convenient economies
in MDL, EUR, USD
You have ZERO costs
of managing and closing the deposit
You have an interest bonus
for deposits opened through OTP Internet and Mobile Banking
Your advantages
- Favorable interest rates for different periods, depending on your needs,
- Bonus interest up to 0.25 pp for deposits opened online
- ZERO costs for opening, managing and closing deposit accounts
- Free GOLD debit card on which you will receive the interest paid monthly
- Benefit from security and immediate availability of funds on your current account in any OTP Bank branch
List of deposits on offer
Classic (floating rate)
Currency: MDL
- Classic Deposit Term: 90 days / 180 days / 395 days
- Classic Promo Deposit Term: 765 days/ 1095 days
- Annual interest: up to 4.00% annually
- Interest payment: every 30 days
- Minimum amount: 500 MDL
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Currency: USD
- Term: 90 days / 180 days / 395 days / 740 days / 1095 days
- Annual interest: up to 3.00% annually
- Interest payment: every 30 days
- Minimum amount: 100 USD
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Currency: EUR
- Term: 90 days / 180 days / 395 days / 740 days / 1095 days
- Annual interest: up to 2.50% annually
- Interest payment: every 30 days
- Minimum amount: 100 EUR
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Classic (fixed rate)
Currency: USD
- Term: 210 days
- Annual interest: up to 1.25% annually
- Interest payment: every 30 days
- Minimum amount: 100 USD
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Currency: EUR
- Term: 210 days
- Annual interest: up to 0.75% annually
- Interest payment: every 30 days
- Minimum amount: 100 EUR
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Rapid (fixed rate)
Currency: MDL
- Term: 90 days
- Annual interest: up to 2.00% annually
- Interest payment: every 30 days
- Minimum amount: 5 000 MDL
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Currency: USD
- Term: 90 days
- Annual interest: up to 0.50% annually
- Interest payment: every 30 days
- Minimum amount: 100 USD
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Currency: EUR
- Term: 90 days
- Annual interest: up to 0.50% annually
- Interest payment: every 30 days
- Minimum amount: 100 EUR
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Smart (floating rate)
Currency: MDL
- Term: 395 days
- Annual interest: up to 3.00% annually
- Interest payment: monthly
- Minimum amount: 5 000 MDL
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Currency: USD
- Term: 395 days
- Annual interest: up to 1.75% annually
- Interest payment: monthly
- Minimum amount: 100 USD
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Currency: EUR
- Term: 395 days
- Annual interest: up to 1.25% annually
- Interest payment: monthly
- Minimum amount: 100 EUR
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
For the Smart deposit, for the first 6 months the fixed rate and for the next 7 months - the floating rate.
Basic (fixed rate)
Currency: MDL
- Term: 180 days
- Annual interest: up to 2.50% annually
- Interest payment: every 30 days
- Minimum amount: 500 MDL
- Maximum amount: unlimited
- Deposits: not allowed
- Withdrawals: not allowed
- Account opening fee: free
- Account closing fee: free
Deposit name
Deposit name
Currency
Duration
Amount
Deposit name
Interest rate
Period type (days)
Income per period
Total income
Final amount
Representative calculations for the offer deposits, opened through OTP Internet and Mobile Banking. For deposits opened in OTP Bank branches, reduced the interest rate.
FAQ
How can I open a deposit account?
- Come to any branch
- Open your deposit remotely via the OTP Internet and Mobile Banking app
To open a deposit via OTP Internet/Mobile Banking application, follow the steps below:
Step 1: Select the "Warehouses" option from the application menu
Step 2: Press the "+" button at the bottom of the screen to add a repository
Step 3: Select the source account from which you will transfer the money to the deposit account
Step 4: Select the deposit from the predefined list
Step 5: Enter the amount to be transferred
Step 6: Tick all the required boxes and authorise the transaction, after you have read the documents they refer to.
For more details, go to Information on Deposit Acceptance Conditions for Individuals.
What documents are required to open a deposit account?
In the case of account opening by the account holder in branches:
- Original identity document (identity card - residents, passport - non-residents).
- Other documents, as appropriate
In case of opening of a deposit account for an existing customer by an authorised person:
- Original identity card of the authorised person.
- Notarised document (power of attorney) attesting the person's authority to open the account, the deposit account and other documents required for opening accounts at the bank
- Other documents, as appropriate
What is the difference between a term deposit and a savings account?
- A term deposit is a bank product designed for savings, which is set up for a fixed period of time, without options to top up or withdraw cash.
- Savings account is a banking product for saving purposes that is set up for an indefinite period of time, offering the possibility of making additional deposits and withdrawals as required respecting the minimum and maximum balance.
What is the minimum amount to set up a term deposit or savings account?
The minimum deposit amount varies depending on the type of savings product selected.
For more details, see Information on deposit conditions for individuals.
When do I get interest on money in a savings account or term deposit?
Interest payments for term deposits are made monthly or every 30 days depending on the product selected.
Interest payments for savings accounts are calculated monthly or quarterly depending on the product selected, with interest transferred to the account on the first day of the month.
How is interest calculated on deposits and savings accounts?
General monthly interest calculation method: (Deposit balance*interest rate*number of days)/365*100
Calculation example: (20 000*2,5*180)/365*100=246,58
Balance (lei) - 20 000 thousand lei
Interest rate - 9,5%
180 - number of days of the month
365 - number of days in the year.
For more details, see Information on deposit acceptance conditions for individuals.
To which account is the interest transferred?
The interest calculated for term deposits is transferred monthly to the current or card account indicated when the deposit is opened.
Does the deposit automatically roll over on maturity?
The automatic extension option varies depending on the product selected.
Is interest income taxable?
Under current legislation, banks, savings and loan associations and issuers of corporate securities withhold a tax of 6% on interest paid to resident individuals and 9,5% on interest paid to non-resident individuals.
For example, if the bank calculates an interest of 100 lei for a certain period, then the amount of tax will be 6 lei (100*6%) and 93 lei (interest minus withholding tax) will be transferred to the account.
How can I get information about my deposit accounts?
Information on deposit accounts can be obtained at the branch or via OTP Internet/Mobile Banking.
Interest rates on deposits and savings accounts
Other information
Information on the conditions for accepting deposits from individuals
Information on the Deposit Guarantee Fund for Individuals
Deposits of individuals are guaranteed up to the coverage level of 200 000 lei.
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