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)

What interest is charged?

Currency/period Established in the agency
RON 1 month 3 months 6 months 1 year 15 months
interest rate 7,00% 7,30% 7,60% 7,25% 7,25%
Currency/period Established by Internet Banking/ Mobile Banking
RON 1 month 3 months 6 months 1 year 15 months
interest rate 7,20% 7,50% 7,80% 7,45% 7,45%
Established in the Agency/Internet Banking/ Mobile Banking
Currency/period 1 month 3 months 6 months 1 year
USD 2,50% 3,00% 3,25% 4,00%
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 interest with variable interest
Period 3 months 6 months 1 year
Interest value 5.71% 5.86% 6.12%
The benchmarks 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

What interest is charged?
Currency/period 1 month 3 months 6 months 1 year
Agency Agency Agency Agency
RON 5,50% 6,00% 6,25% 6,50%
EUR 0,35% 0,50% 0,65% 0,90%
USD 0,50% 0,75% 1,00% 1,50%
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.

Bonus Economus Interest rates

Savings account with 6-month savings plan and interest bonus for PFA

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%
Savings account with 6-month savings plan and interest bonus for SMEs
Currency Amount limit for
oppening an account		 Amount limit for
the scheduled payment order		 Interest rate Bonus interest rate
RON Between 0 - 10.000 RON Between 100 - 10.000 RON 0,65% 1,00%
EUR Between 0 - 2.500 RON Between 25 - 2.500 EUR 0,25% 0,50%
Savings account with 6-month savings plan and interest bonus – set up until 19.10.2022 for PFA
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 RON Between 10 - 1.000 EUR 0,25% 0,25%

Economus interest rates

Savings account without a savings plan 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 5,00%
EUR Does not exist Between 10 - 2.500 EUR 0,25%

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%

Interest rates on deposits

For a PFA Established in the Agency/Internet Banking/Mobile Banking – accounts opened up to and including 23.06.2022

Currency/period 1 month 3 months 6 months 1 year
Agency Agency Agency Agency
RUB** 4,00% 4,50% 5,00% 5,50%
For SMEs – accounts opened up to and including 23.06.2022
Currency/period 1 month 3 months 6 months 1 year
Agency Agency Agency Agency
RUB** 3,50% 4,00% 4,50% 5,00%

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

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