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SME Deposits Campaign

I. Campaign duration:

The offer is valid between November 17, 2025 – December 31, 2025.

II. Campaign Terms & Conditions:

The campaign is addressed to SMEs and Sole Proprietors with an annual turnover for the last financial year of up to RON 50 million, who during the Campaign period are:

  • Non-clients meeting all of the following conditions:
  • Open a current account with Garanti Bank S.A. in either RON or EUR;
  • Establish one or more term deposits for a maturity of 1, 3, 6 or 12 months, at any Garanti Bank branch, in an amount of up to RON 5,000,000/equivalent EUR/currency;
  • The deposit(s) must be established within a maximum of 5 business days from the date of receipt/deposit into the current account.
  • Existing Clients meeting all of the following conditions:
  • Hold at least one current account with Garanti Bank S.A. in either RON or EUR;
  • Establish one or more term deposits from new funds, for a maturity of 1, 3, 6 or 12 months, at any Garanti Bank branch, in an amount of up to RON 5,000,000/equivalent EUR/currency;
  • The deposit(s) must be established within a maximum of 5 business days from the date of receipt/deposit into the current account.

* Garanti Bank S.A. reserves the right to refuse any request to open a current account if the Client fails to provide all information, statements, or documents required for the identification of the Client, the Beneficial Owner and/or controlling persons, the transactions nature, and any other details required under applicable national and international legislation, as well as for prudential banking reasons.

** New funds are considered amounts received in the client’s current account at Garanti Bank S.A. via cash deposits or interbank transfers starting from November 17, 2025.

Exclusions from the Campaign:

  • Amounts originating from term deposits that, during the Campaign, are automatically renewed or reach maturity, are reduced, increased, or terminated;
  • Amounts originating from transfers between accounts of the same client held with Garanti Bank S.A. and/or from the use of credit facilities;
  • Term deposits established via Internet/Mobile Banking applications;
  • Term deposits opened with more then 5 business days after the receipt or transfer of funds into the current account;
  • Amounts held in any type of account prior to November 17, 2025.

III. Interest Rates Granted During the Campaign:

During the Campaign, the interest rates applicable to term deposits established at Bank branches are as follows:

Prag sumă/perioadă 1 luna 3 luni 6 luni 12 luni
RON =< 500.000 6.90% 7.10% 7.05% 7.05%
> 500.000 6.80% 7.00% 6.95% 6.95%
EUR =< 100.000 2.05% 2.20% 2.15% 2.15%
> 100.000 2.00% 2.10% 2.05% 2.05%

IV. Acceptance of the Offer:

  • The offer is deemed accepted upon the signing of the contractual documentation.

V. Additional Provisions:

  • For deposits established under the Campaign with automatic renewal, upon renewal the applicable interest rate shall be the one in force at the renewal date, as published on the official website www.garantibbva.ro;
  • A client may establish deposits up to a cumulative equivalent of EUR 1,000,000 per currency;
  • Interest rates are expressed as annual percentages;
  • For details regarding the processing of your personal data, please consult the Bank’s website at www.garantibbva.ro, “Personal Data Processing” section or request information at any Bank branch;
  • The Campaign may be terminated prior to the announced end date, at the sole discretion of Garanti Bank S.A. or in case of force majeure. In such circumstances, Garanti Bank S.A. will inform participants through a notice posted in all Bank branches, as soon as possible.

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Instalment value:

Period:

Monthly commission:

Commission analysis:

Evaluation commission:

Interest rate:

Total payment amount:

Effective annual interest rate:

Exchange rate information

All of the domestic and international market tables and graphs appearing on the www.garantibbva.ro website have been obtained from outside parties that provide services on such matters and have been prepared for the purpose of providing information in a general sense without any benefit being derived from them by Garanti BBVA. The validity of the tables or graphics appearing on our website is in no way guaranteed by Garanti BBVA and this information is not being provided for the purpose of securing any particular gain.

For this reason, Garanti BBVA cannot be held responsible for any direct or indirect material or moral losses or expenses that may arise on account of errors or deficiencies in the information contained in these tables and graphs or on account of transactions based on this information, or on account of any losses or expenses that outside parties may occur in any way whatsoever.

The communications/messages in electronic format do not include the essential elements to conclude a valid contract; do not represent an offer to conclude a contract or a binding intention for granting a financing facility, another product or for providing a service. The recipient’s acceptance of the terms and conditions available in electronic mail shall not be considered as a valid conclusion of a contract.

For the valid conclusion of a contract it is necessary to determine all essential elements by the competent approval authority of the bank and the written form of the contract signed by the parties involved.