Comissions and interest rates for individuals’ deposits

Interest rates for all types of deposits

Find out all about costs

  • 0 fee for opening the deposit
  • 0 fee for managing the deposit
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Term deposit

Fixed-rate term interest

Established in the agency
Currency/period 1 month 3 months 6 months 12 months 15 months
RON 4,50% 4,75% 5,00% 5,00% 5,00%
EUR 1,25% 1,50% 1,75% 2,00% -
USD 1,75% 2,25% 2,50% 3,00% -
Currency/period Established by Internet Banking/ Mobile Banking
RON 1 month 3 months 6 months 12 months 15 months
< 250.000 4,50% 4,75% 5,00% 5,00% 5,00%
=> 250.000 5,00% 5,25% 5,50% 5,50% 5,50%
Currency/period Established by Internet Banking/ Mobile Banking
EUR 1 month 3 months 6 months 12 months 15 months
< 50.000 1,25% 1,50% 1,75% 2,00% -
=> 50.000 1,50% 1,75% 2,00% 2,25% -
Established by Internet Banking/ Mobile Banking
Currency/period 1 month 3 months 6 months 12 months
USD 1,75% 2,25% 2,50% 3,00%
Established by Internet Banking/ Mobile Banking
USD 1 month 3 months 6 months 12 months 15 months
< 50.000 1,75% 2,25% 2,50% 3,00% -
=> 50.000 2,00% 2,50% 2,75% 3,25% -
Established by Internet Banking/ Mobile Banking
EUR 1 month 3 months 6 months 12 months
< 50.000 1,25% 1,50% 1,75% 2,00%
=> 50.000 1,50% 1,75% 2,00% 2,25%
Established in the Agency/Internet Banking/ Mobile Banking
Currency/period 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 6,00% 6,15% 6,25% 6.25%
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%
Term deposit with variable interest
Period 3 months 6 months 12 months
Interest value 5.40% 5.50% 5.63%

The reference index will be updated every month on the 1st of each month in line with the ROBOR.

Minimum amount for opening a deposit: 200 RON/ EUR/ USD/ GBP/ CHF/ CAD/ TRY/ NOK/ SEK/ PLN.
* Minimum amount for opening a deposit: 200,000 JPY/ HUF.

Deposits made with Garanti BBVA are guaranteed by law by the Deposit Guarantee Fund in the Romanian Banking System, up to a limit of 100,000 euros in RON equivalent.
The exceptions established by law are found in the list of unsecured deposits.

Bonus Economus and Economus deposit

BONUS ECONOMUS INTEREST (Individuals and PFA) – SAVINGS ACCOUNT WITH 6-MONTH SAVINGS PLAN AND INTEREST BONUS

Currency Amount limit for
oppening an account 		Amount limit for
the scheduled payment order		 Interest rate Bonus interest rate
RON Between 0 - 5.000 RON Between 50 - 4.000 RON 5,00% 1,50%
EUR Between 0 - 1.200 EUR Between 10 - 1.000 EUR 0,25% 0,25%

ECONOMUS INTEREST (Individuals and PFA) – SAVINGS ACCOUNT WITHOUT A SAVINGS PLAN

Currency Amount limit for
oppening an account		 Amount limit for
the scheduled payment order 		Interest rate
RON Does not exist Between 50 - 10.000 RON 5,00%
EUR Does not exist Between 10 - 2.500 EUR 0,25%

DEPOSIT INTEREST (Individuals and PFA) – ACCOUNTS OPENED UP TO AND INCLUDING 23.06.2022

Established by Internet Banking/ Mobile Banking
Currency/period 1 month 3 months 6 months 12 months
RUB** 4,00% 4,50% 5,00% 5,50%

**Minimum amount for opening a deposit: 20,000 RUB.

Interest rates on Savings accounts

INTEREST RATES ON SAVINGS ACCOUNTS (Individuals and PFA) – WITH MINIMUM AMOUNT LOCKED, accounts open until 04.01.2014

Minimum amount Index Index value Calculation Formula Interest value
500 RON ROBOR 6 months 6,51% Index – 1,25% 5.26%
2.000 RON ROBOR 6 months 6,51% Index – 0,75% 5.76%
500 EUR EURIBOR 6 months 3.958% Index + 0,35% 4.3080%
2.000 EUR EURIBOR 6 months 3.958% Index + 0,60% 4.5580%

6-month ROBOR and 6-month EURIBOR are updated every 1 February and 1 August.

INTEREST RATES ON SAVINGS ACCOUNTS (Individuals under age) – WITH MINIMUM AMOUNT LOCKED, accounts open until 04.01.2014

Minimum amount Index Index value Calculation formula Interest value
500 RON ROBOR 6 months 6,51% Index – 0,75% 5,76%
500 EUR EURIBOR 6 months 3,958% Index + 0,60% 4,5580%

6-month ROBOR and 6-month EURIBOR are updated every 1 February and 1 August.

Bonus Economus and Economus deposit

BONUS ECONOMUS INTEREST (Individuals and PFA) – SAVINGS ACCOUNT WITH 6-MONTH SAVINGS PLAN AND INTEREST BONUS – set up until 19.10.2022

Currency Amount limit for
oppening an account 		Amount limit for
the scheduled payment order		 Interest rate Bonus interest rate
RON Between 0 - 5.000 RON Between 50 - 4.000 RON 0,65% 1,20%
EUR Between 0 - 1.200 EUR Between 10 - 1.000 EUR 0,05% 0,25%

ECONOMUS INTEREST (Individuals and PFA) – SAVINGS ACCOUNT WITHOUT A SAVINGS PLAN – set up until 19.10.2022

Currency Amount limit for
oppening an account		 Amount limit for
the scheduled payment order 		Interest rate
RON Does not exist Between 50 - 10.000 RON 0,65%
EUR Does not exist Between 10 - 2.500 EUR 0,05%

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