Deposits Interest Rates

Interest rate for savings products – Individuals

Saving plan for children “Crestem impreuna”

	LEI	EUR
Minimum opening amount	150	200
Annual interest rate (%)*	6.50%	3.75%
Penalty fee for closing the euro saving plan before the third year 1 %.

(*) the interest rate is: fixed for each one year for lei accounts; fixed for the first 3 years ,then fixed for each one year for euro accounts.

“Super Acces Plus” Savings Account

Currency	Amount	Annual interest rate (%)
LEI	< 500	0.10
	500 – 4.999,99	4.25
	5.000 – 49.999,99	4.50
	50.000 – 299.999,99	4.75
	> 300.000	4.50
Administration fee *	4 lei /  monthly
EUR	< 500	0.10
	500 – 4.999,99	1.75
	5.000 – 14.999,99	2.00
	15.000 – 74.999,99	2.25
	> 75.000	2.00
Administration fee *	2 euro /  monthly
USD	< 500	0.10
	500 – 4.999,99	1.10
	5.000 – 14.999,99	1.20
	15.000 – 74.999,99	1.30
	> 75.000	1.20
Administration fee *	3 usd /  monthly
(*) if the balance of the account at the end of every working day in the month is equal or higher than 3.000 lei, 2.000 euro, 2.500 usd  the commission will be diminished at 2 lei, 1 euro, 1,5 usd.

Term Deposits in LEI

Standard deposits	Tenor	Annual interest rate
		Minimum amount
		150	15.000	55.000
Deposits with fixed interest rate, interest paid or capitalized at maturity and automatic renewal. For 6 and 12 months tenor the interest rate paid in case of early termination is 3%.	1 month	5.00%	5.25%	5.50%
	3 months	5.40%	5.65%	6.00%
	6 months	5.75%	6.00%	6.15%
	12 months	6.15%	6.20%	6.36%

Deposits for pensioners and employees *	Tenor	Annual interest rate
		Minimum amount
		150	15.000	55.000
Deposits with fixed interest rate, interest paid or capitalized at maturity and automatic renewal. For 6 and 12 months tenor the interest rate paid in case of early termination is 3%.	3 months	5.60%	5.85%	6.20%
	6 months	6.10%	6.35%	6.50%
	12 months	6.65%	6.70%	6.85%

(*) The deposits are available for pensioners/employees who receive their pension/salary in a current account at Raiffeisen Bank and can be opened only in branches and on Raiffeisen Direct.

Guarantee depozits for administrators	Tenor	Minimum amount	Annual interest rate
Deposits with variable interest rate, annual capitalization of the interest and automatic renewal	12 months	-	3.65%

Term Deposits in EUR

Standard deposits	Tenor	Annual interest rate
		Minimum amount
		200	5.000	30.000
Deposits with fixed interest rate, interest paid or capitalized at maturity and automatic renewal.	1 month	2.30%	2.50%	2.75%
	3 months	2.50%	2.75%	3.00%
	6 months	3.00%	3.25%	3.50%
	12 months	3.25%	3.50%	3.75%

Deposits for pensioners and employees *	Tenor	Annual interest rate
		Minimum amount
		200	5.000	30.000
Deposits with fixed interest rate, interest paid or capitalized at maturity and automatic renewal.	3 months	2.70%	2.95%	3.20%
	6 months	3.35%	3.60%	3.85%
	12 months	3.75%	4.00%	4.25%

(*) The deposits are available for pensioners/employees who receive their pension/salary in a current account at Raiffeisen Bank and can be opened only in branches and on Raiffeisen Direct.

Term Deposits in USD

Standard deposits	Tenor	Annual interest rate
		Minimum amount
		200	5.000	30.000
Deposits with fixed interest rate, interest paid or capitalized at maturity and automatic renewal.	1 month	1.30%	1.40%	1.50%
	3 months	1.50%	1.60%	1.70%
	6 months	1.70%	1.80%	1.90%
	12 months	2.00%	2.10%	2.20%

Interest rate for sight deposits: 0.10%

Cash withdrawal fee 0.50%, minimum 0.5 lei (for lei accounts) and minimum 3 euro (for euro or other foreign currencies accounts).

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