Interest rates and fees for SME and PFA savings accounts

Information on interest rates and fees for SME and PFA savings accounts

  • Read more about what interest rates and fees apply to SME and PFA savings accounts
  • We know it's important for you to be properly informed, which is why we provide you all the interest rates and commission information you need.

Fixed interest term deposit (PFA)

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.

Term deposit with interest for SME

Term deposit with fixed interest

3 months 6 months 12 months
Currency Standard Standard Standard
LEI 5,00% 5,25% 5,50%
EUR 1,35% 1,50% 1,75%
USD 1,75% 2,00% 2,50%

Term deposit with fixed interest

Currency/period 1 month 3 months 6 months 1 year
Agency Agency Agency Agency
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%

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.

Economus interest rates

Savings account without a savings plan for SMEs

Currency Amount limit for
oppening an account		 Amount limit for
the scheduled payment order		 Interest rate
RON Does not exist Between 100 - 10.000 RON 0,65%
EUR Does not exist Between 25 - 2.500 EUR 0,25%

Savings account without a savings plan – set up until 19.10.2022 for PFA

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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