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Term deposit

DEPOSITS
Term deposit

Save wisely!

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Guaranteed by the Deposit Guarantee Fund

Term deposit in LEI/ USD/ EUR is a saving product with an advantageous 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 150 LEI/USD/EUR

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:

  • 10%*, in the case of revenues obtained from interests by individuals resident in Romania;

  • 10%, in the case of revenues obtained from interests by individuals resident in a country member of the European Union or in a country with which Romania has concluded a Double Tax Treaty; at the same time, in this situation, if the non-resident customer presents a valid certificate of fiscal residence (valid at the date of interest payment), in original or certified copy, accompanied by an authorized translation into Romanian, the more favorable tax rate provided in the Double Tax Treaty becomes applicable;

  • 16%, in the case of individuals resident in a country that does not fall into any of the above-mentioned categories.

*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.

Rates and commissions

Interest rates download
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