Purpose: saving instrument for predefined periods. The deposit can be opened with one of the following options:
- With rollover at maturity for the same period and interest capitalization (interest is added to the deposit amount)
- With rollover and without interest capitalization (interest is transferred to the current account at maturity)
- Without rollover (both interest and principal are transferred to the current account)
Maturities: 1, 2, 3, 6, 9, 12 months
Currencies: RON, EUR, USD
Minimum amount for opening the account:
Interest:
- Is calculated daily and paid at maturity;
- Is fixed till maturity/ rollover;
Later deposits:
- Later deposits to increase the amount of the Classic Deposit are allowed only at rollover date;
- Minimum amount allowed for later deposit 500 RON/ 200 EUR/ 200 USD.
Partial withdrawals*:
- Withdrawals are allowed anytime;
- Minimum amount that can be withdrawn is 500 RON/ 200 EUR/ 200 USD;
- For the redeemed amount, client receives the interest at maturity / rollover adjusted depending on the number of days till maturity;
- No penalty commission is charged.
Early redemption*:
- Early redemption is allowed anytime;
- For the redeemed ammount, the client receives the interest adjusted based on the number of days till maturity;
- No penalty commission is charged.
* For the withdrawn amount, the client receives a partial interest amount calculated based on the following matrix:
|
|
Time elapsed from the opening date till maturity / rollover |
|
<25% |
25,01% - 50% |
50,01% - 75% |
75,01% - 100% |
|
Received interest (% from the interest amount calculated till the date the amount is withdrawn) |
0 |
25% |
50% |
75% |