Term deposit

Small entrepreneur
Cards and accounts
Currency and monetary market
Newsroom
Capital markets
Subsidiaries and associated entities
Research Reports
CSR
Investors and shareholders
Custody, storage, issuers
Careers
SME^{< 1M Euro}
Loans
SME^{1-50M Euro}
Savings and investments
Agriculture
Corporate
Online banking

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.}

_{INTEREST RATES APPLIED}

- 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.

Interest rates	download
List of commissions	download

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DEPOSITS
Term deposit

Guaranteed by the Deposit Guarantee Fund

Why to have the Term deposit

_{INTEREST RATES APPLIED}

Rates and commissions

Search form

DEPOSITS Term deposit

Guaranteed by the Deposit Guarantee Fund

Why to have the Term deposit

INTEREST RATES APPLIED

Rates and commissions

DEPOSITS
Term deposit

_{INTEREST RATES APPLIED}