Comissions and interest rates for individuals’ deposits

Interest rates for all types of deposits

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Version 145 / 10.02.2025

Interests - Term deposit

1. Individuals and Authorized Natural Persons  

Currency Channel / Term 1 month 3 months 6 months 12 months15 months
RON Agency 4,10% 4,25% 4,40% 4,50% 4,50%
Internet / Mobile banking < 250.000 RON 4,10% 4,25% 4,40% 4,50% 4,50%
Internet / Mobile banking >= 250.000 RON 4,60% 4.75% 4.90% 5.00% 5.00%
Currency Channel / Term 1 month 3 months 6 months 12 months
EUR Agency 1,20% 1,30% 1,40% 1,60%
Internet / Mobile banking < 50.000 EUR 1,20% 1,30% 1,40% 1,60%
Internet / Mobile banking >= 50.000 EUR 1,45% 1,55% 1,65% 1,85%
Currency Channel / Term 1 month 3 months 6 months 12 months
USD Agency 1,50% 1,75% 2,00% 2,50%
Internet / Mobile banking < 50.000 USD 1,50% 1,75% 2,00% 2,50%
Internet / Mobile banking >= 50.000 USD 1,75% 2,00% 2,25% 2,75%
Time deposits in other currency - Agency or Internet / Mobile Banking
Channel / Term 1 month 3 months 6 months 12 months
GBP 0,20% 0,40% 0,60% 0,70%
CHF 0,01% 0,01% 0,01% 0,01%
JPY* 0,01% 0,01% 0,01% 0,01%
CAD 0,15% 0,30% 0,60% 0,70%
TRY 30.0% 30.0% 25.0% 25.0%
HUF* 1,00% 1,25% 1,50% 2,00%
NOK 0,20% 0,30% 0,60% 0,70%
SEK 0,01% 0,01% 0,01% 0,01%
PLN 1,25% 1,85% 2,25% 2,75%

2. Legal Entities – Small/Medium Companies and Corporate –Agency

Time deposits in other currency - Agency or Internet / Mobile Banking
Currency / Term 1 month 3 months 6 months 12 months
RON 4,50% 5,00% 5,25% 5,50%
EUR 1,20% 1,35% 1,50% 1,75%
USD 1,50% 1,75% 2,00% 2,50%
GBP 0,15% 0,35% 0,50% 0,60%
CHF 0,01% 0,01% 0,01% 0,01%
JPY* 0,01% 0,01% 0,01% 0,01%
CAD 0,10% 0,20% 0,50% 0,60%
TRY 6,00% 5,65% 5,75% 5.75%
HUF* 0,75% 1,00% 1,25% 1,50%
NOK 0,10% 0,20% 0,50% 0,60%
SEK 0,01% 0,01% 0,01% 0,01%
PLN 1,00% 1,50% 1,75% 2,25%
  • The minimum amount for opening a time deposit: 200 RON/ EUR/ USD/ GBP/ CHF/ CAD/ TRY/ NOK/ SEK/ PLN. 
  • *The minimum amount for opening a time deposit: 200.000 JPY/ HUF.
  • Deposits established at Garanti BBVA are guaranteed by law by the Deposit Guarantee Fund in the Romanian Banking System, within the  ceiling of 100,000 euros, in lei equivalent.  The exceptions established by law can be found in the list of non-guaranteed deposits.

Interests - ECONOMUS saving account

1. Individuals and Authorized Natural Persons  

Currency Limit amount for opening the account The limit amount for the scheduled payment order Interest Rate
RON N/A Between 50 - 10.000 RON 3,00%
EUR N/A Between 10 - 2.500 EUR 1,00%

2. Legal Entities – Small/Medium Companies and Corporate –Agency

Currency Limit amount for opening the account The limit amount for the scheduled payment order Interest Rate
RON N/A Between 100 - 10.000 RON 3,00%
EUR N/A Between 25 - 2.500 EUR 1,00%

Interests - CASH Colateral Deposits

Individuals and Authorized Natural Persons /Small/Medium Companies and Corporate

Currency Limit amount for opening the account Term Intrest rate
RON NA Between 1 day and 12 months 0,01%
EUR NA Between 1 day and 12 months 0,01%
USD NABetween 1 day and 12 months 0,01%

Savings products withdrawn from the bank’s offer

1.  SAVINGS ACCOUNTS with the minimum blocked amount (Individuals) – open until 01.04.2014

The minimum amount Index Index value Calculation formula Interest
500 RON ROBOR 6 luni 6.00% Indice – 1,25% 4.75%
2.000 RON ROBOR 6 luni 6.00% Indice – 0,75% 5.25%
500 EUR EURIBOR 6 luni 2.593% Indice + 0,35% 2.943%
2.000 EUR EURIBOR 6 luni 2.593% Indice + 0,60% 3.193%
  • * ROBOR 6 months si EURIBOR 6 months are updated every February 1 and August 1.

2.  SAVINGS ACCOUNTS with the minimum blocked amount (Individuals Minors) – open until 01.04.2014

The minimum amount Index Index Value Formula Calculation Interest
500 RON ROBOR 6 luni 6.00% Indice – 0,75% 5,25%
500 EUR EURIBOR 6 luni 2.593% Indice + 0,60% 3.193%
  • * ROBOR 6 months si EURIBOR 6 months are updated every February 1 and August 1.

3. ECONOMUS savings accounts (Individuals and Authorized natural Persons) – open until 19.10.2022

Currency Limit amount for opening the account The limit amount for the scheduled payment order Interest
RON N/A Between 50 - 10.000 RON 0,65%
EUR N/A Between 10 - 2.500 EUR 0,05%

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