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).


RON SAVINGS INSTRUMENTS FOR LEGAL ENTITIES

RON Deposits for Corporate Customers
02.02.2012
Tenor
Annual interest
rate (%)
Deposits with fixed interest rate and interest paidat maturity*
Overnight
1.54%
1 week
3.33%
2 weeks
3.58%
3 weeks
3.82%
1 month
4.14%
3 months
4.37%
Minimum amount required: 5.000 RON
 
 


DEPOSITS - SME
(Micro, Medium, Professionals)
Tenor
Annual interest
rate (%)
Minimum limit (LEI)
5.000
50.000
150.000
Tiers deposits with fixed interest rates and monthly interest paid
1 month
4.50
4.60
4.75
3 months
4.70
4.90
5.10
6 months
5.40
5.60
5.80
12 months
5.60
5.80
6.00
Sight deposit
0.1
 
Deposits - SME
(Micro, Medium, Professionals)
Tenor
Annual interest rate (%)
Minimum limit (LEI)
5.000
50.000
150.000
Tiers deposits with variable interest rates and monthly interest paid
1 month
3.50
3.55
3.60
3 months
3.55
3.60
3.65
6 months
3.60
3.65
3.70
12 months
3.65
3.70
3.75

ACCES PLUS - Legal Entities
Tranches (LEI)
Annual interest rate (%)
5.000 – 49.999,9
4.00
50.000 – 149.999,9
4.25
150.000–499.999,9
4.40
over 500.000
4.50
Monthly fee: 3 ron


NOTE: Cash withdrawal fee: 0.5%, minimum 3 EUR (or equivalent). For deposits exceeding 50,000 EUR (or equivalent in other currencies) the interest rate may be negotiated (individuals and legal entities)
 
 
FCY SAVINGS INSTRUMENTS FOR LEGAL ENTITIES

FCY Deposits for Corporate Customers
02.02.2012
Tenor
Annual interest rate (%)
USD
EUR
CHF
GBP
Deposits with fixed interest rate and interest paidat maturity*
Overnight
0.39%
0.46%
0.34%
0.72%
1 week
0.45%
0.50%
0.34%
0.77%
2 weeks
0.48%
0.59%
0.34%
0.80%
3 weeks
0.49%
0.68%
0.34%
0.86%
1 month
0.86%
1.16%
0.70%
1.27%
3 months
1.14%
1.58%
0.72%
1.58%
* Minimum amount required: 5.000 USD/EUR/CHF/GBP


Deposits in EUR - SME
(Micro, Medium, Professionals)
Tenor
Annual interest rate (%)
Minimum limit (EUR)
3.000
10.000
40.000
Tiers deposits with fixed interest rates and monthly interest paid
1 month
1.75
2.00
2.25
3 months
2.30
2.40
2.50
6 months
2.55
2.60
2.75
12 months
2.90
3.10
3.25
Sight deposit
0.1
NOTE: Fee for closing the deposit account before the maturity date 1%
 

ACCES PLUS - Legal Entities
Tranches (EUR)
Annual interest rate (%)
2.000 – 9.999,9
1.55
10.000– 39.999,9
1.60
40.000– 99.999,9
1.65
over 100.000
1.70
Monthly fee: 1 EUR

Deposits in USD – IMM
(Micro, Medium, Professionals)
Tenor
Annual interest rate (%)
Deposits with fixed interest rates and monthly interest paid
1 month
1.50
3 months
1.75
6 months
1.80
12 months
2.00


NOTE: Cash withdrawal fee: 0.5%, minimum 3 EUR (or equivalent). For deposits exceeding 50,000 EUR (or equivalent in other currencies) the interest rate may be negotiated (individuals and legal entities)


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