Deposits

Deposits

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Credit Europe Bank offers you a product which can be adapted to your savings needs. You can choose the interest rate, maturity, deposited amount, acumulated interest or the currency for the deposit.

Characteristics

  • The deposits are guaranteed by the Romanian state, within the limit communicated by the Deposit Security Found in the Banking System
  • The interest rates are fixed for the whole maturity of the deposit
  • Currencies: RON, EUR, USD
  • The deposits can be opened using any predefined maturity
  • The minimum amount for opening a term deposit varies depending the options made
  • The deposit has a roll-over option

Advantages

  • Flexibility - you can choose from variety of maturities, currencies and interest rates
  • The deposits have a roll-over option
  • The deposits can be used as security for any Credit Europe Bank loan

Conditions

  • All you need to open a term deposit with Credit Europe Bank is your ID in original
  • The resident legal entities have no restrictions in opening a term deposit
  • The non-resident legal entities can open term deposits in RON, EUR and USD

Interest rates

Interest rates for Term deposits with fixed interest rates

RON EUR USD
Minimum amount / Interest for current account. - - -
Minimum amount / Deposit 300 100 100
Current account - - -
1 month* 6.50% 3.00% 1.75%
3 months 6.75% 3.25% 2.00%
6 months 6.75% 3.25% 2.15%
9 months 6.75% 3.25% 2.00%
12 months 6.50% 3.25% 2.00%
24 months** 7.50% - -

* The actual interest rate through monthly capitalization is of 6.70% / year.

** Interest for 2 years: 15%

Interest rates for Deposits with Monthly Interest Payments (RON)

Interest
Exchange RON
Minimum amount -
3 months 6.50%
6 months 6.50%
9 months 6.50%
12 months 6.25%
24 months** -
  • The interest rates are applied to new, due or renewed deposits, starting with the date 05.01.2012
  • The interest rates are fixed for the entire period of the deposit. Deposit interest rates will be granted at the end of the deposit
  • The deposits that are being closed before due date beneficiate of the interest rates of the current account, with the following exceptions:
    • weekly deposits that are closed before due date DO NOT beneficiate of interest
    • 24 months deposits that are closed before due date will beneficiate of the following interest rates:

Period between constituting ang breaking the deposit

 Up to 12 months 12-18 months 18-24 months - excluding the maturity date
Annual interest 0% 4% 5%

All interest rates are annual.

Retired people

Interest rates for Term deposits with fixed interest rates

RON EUR USD
Minimum amount / Interest for current account. - - -
Minimum amount / Deposit 300 100 100
Current account - - -
1 month* 7.00% 3.25% 2.00%
3 months 7.25% 3.50% 2.25%
6 months 7.25% 3.50% 2.40%
9 months 7.25% 3.50% 2.25%
12 months 7.00% 3.50% 2.25%
24 months** 7.75% - -

* The actual interest rate through monthly capitalization is of 7.23% / year.

** Interest for 2 years: 15.50%

Interest rates for Deposits with Monthly Interest Payments (RON)

Interest
Exchange RON
Minimum amount 300
3 months 7.00%
6 months 7.00%
9 months 7.00%
12 months 6.75%
24 months** -
  • The interest rates are applied to new, due or renewed deposits, starting with the date 05.01.2012
  • The interest rates are fixed for the entire period of the deposit
    Deposit interest rates will be granted at the end of the deposit
  • The deposits that are being closed before due date beneficiate of the interest rates of the current account, with the following exceptions:
    • weekly deposits that are closed before due date DO NOT beneficiate of interest
    • 24 months deposits that are closed before due date will beneficiate of the following interest rates:

Period between constituting ang breaking the deposit

 Up to 12 months 12-18 months 18-24 months - excluding the maturity date
Annual interest 0% 4% 5%
  • Identification of the individuals previously mentioned in one of the above categories will be done based on the documents presented at the Bank's front offices, in original and copy:
    • For retired people - last retirement slip

All interest rates are annual.

Retail banking

  • Exchange rates

    Currency Symbol BNR Buy Sell
    Euro EUR 4.3554 4.3000 4.4200
    Francul elvetian CHF 3.5983 3.5300 3.6600
    Dolarul SUA USD 3.2813 3.2200 3.3400
    Lira sterlina GBP 5.1952 5.1300 5.2600
    Yen japonez JPY x 100 4.2523 4.1700 4.3700
    Coroana suedeza SEK 0.4940 0.4600 0.5140

    Exchange rates valid for February 10, 2012

  • Term deposits with fixed interest rates

    natural person 1 month* 3 months
    EUR 3.00% 3.25%
    RON 6.50% 6.75%
    companies 1 month* 3 months
    EUR 3.00% 3.25%
    RON 6.50% 6.75%

    Interests

  • Savings account

    Individuals
    EUR
    < 200 - 200 - 2,000 1.50% > 2,000 2.50%
    RON
    < 500 - 500 - 5,000 3.50% > 5,000 5.00%
    Small and Medium Enterprises
    EUR
    < 10,000 0.10% 10,000 - 50,000 0.15% > 50,000 0.20%
    RON
    < 10,000 0.15% 10,000 - 50,000 0.25% > 50,000 0.50%

    Interests

  • Money market indicators

    Index Date Rate
    EURIBOR 12 LUNI 02.10.2012 1.69700%
    EURIBOR 12 LUNI 02.09.2012 1.70200%
    EURIBOR 12 LUNI 02.08.2012 1.71000%
    EURIBOR 12 LUNI 02.07.2012 1.71700%

    Money market indicators