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Term deposit

DEPOSITS
Term deposit

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Guaranteed by the Deposit Guarantee Fund

Term deposit in LEI/EUR/USD is a saving product with an fixed interest rate, which can be established for periods between one month and four years.

INTEREST RATE

guaranteed throughout the agreement period

AFFORDABLE

the minimum amount if of 500 LEI/EUR/USD

SAFE

guaranteed by the Deposit Guarantee Fund

SIMPLE

automatic renewal at maturity

PAYMENTS

you receive monthly the interest rate for long term deposits

Why to have the Term deposit

- Additional revenues: for the amount saved you benefit of a fixed and advantageous interest rate, paid at the due date of the deposit (1-24 months) or monthly (for 24, 36 and 48 months).

- Free: the opening of the deposit is free and is set up by transferring the amount you want to save from your current BRD account or open it from home via YOU BRD mobile and internet banking service.

- Automatic renewal: with or without the capitalization of the interest rate. In case you do not choose the automatic renewal, the amount accrued (including the interest) is automatically transferred into your current BRD account.

- Flexible: during a period chosen by you – from 1 to 48 months.

- Interest revenues: according to the legislation in force, for the revenues resulted from interests (saving products), the Bank has the obligation to calculate, withhold at source and pay to the State Budget the related tax. The applicable withholding tax rate is as follows:

*starting with 1st of January 2018

General information note: For incomes obtained from investments realized starting with 2018, the taxpayers determine their tax obligations regarding the social contributions in accordance with the Fiscal Code’s provisions and with the instructions for filling in the 212 Form - Unique declaration on income tax and social contributions payable by Individuals. To establish your situation, please contact the Tax Administration office to which you belong.

 

Interest Rates Applied

Term deposits in RON fixed interest rate (% / year) at the counter / via MyBRD via YOU BRD
Interest payment On term Monthly On term Monthly
no. of days no. of months / years
30 1 month 4,10% - 4,60% -
90 3 months 5,00% - 5,50% -
180 6 months 5,10% - 5,60% -
365 1 year 5,50% - 6,00% -
730 2 years 5,90% 5,80% 5,90% 5,80%
1095 3 years   5,90%   5,90%
1460 4 years   5,90%   5,90%
Minimum amount 500 RON 500 RON
Term deposits in foreign currency fixed interest rate (% / year) USD (at the counter / via MyBRD) USD (via YOU BRD)
Interest payment On term On term
no. of days no. of months / years
30 1 month 1,00% 1,50%
90 3 months 2,00% 2,50%
180 6 months 2,25% 2,75%
365 1 year 2,75% 3,25%
    monthly monthly
730 2 years 3,45% 3,45%
Minimum amount 500 USD 500 USD
Term deposits in foreign currency fixed interest rate (% / year) EUR (at the counter / via MyBRD) EUR (via YOU BRD)
Interest payment On term On term
no. of days no. of months / years
30 1 month 0,50% 1,00%
90 3 months 1,50% 2,00%
180 6 months 1,90% 2,40%
385 1 year 2,25% 2,75%
    monthly monthly
730 2 years 2,95% 2,95%
Minimum amount 500 EUR 500 EUR

- A bonus of 0.50% is granted in addition to the standard interest rates granted in BRD agencies for term deposits in RON (1 month, 3 months, 6 months, 12 months maturities) opened using the Internet and Mobile Banking App YOU BRD.
- A bonus of 0.50% is granted in addition to the standard interest rates granted in BRD agencies for term deposits in EUR (1 month, 3 months, 6 months, 12 months maturities), opened using the Internet and Mobile Banking App YOU BRD.
- A bonus of 0.50% is granted in addition to the standard interest rates granted in BRD agencies for term deposits in USD (1 month, 3 months, 6 months, 12 months maturities) opened using the Internet and Mobile Banking App YOU BRD.

Rates and commissions

Interest rates download
List of commissions download