- Currency: MDL / USD/ EUR
- Term: 17 months (518 days)
- Minimum amount / minimum balance: 5000 MDL / 100 USD / 100 EUR
- Interest rate: floating
- Interest payment: monthly, on current account or card
- Maximum amount: unlimited, according to the conditions set by the Bank
- Additional deposits: allowed
- Withdrawals: not allowed
- No automatic renewal
- Opening / closing fee: 0

• Come to any branch
• Open your deposit remotely via the OTP Internet and Mobile Banking app

To open a deposit via OTP Internet/Mobile Banking application, follow the steps below:

Step 1: Select the "Warehouses" option from the application menu
Step 2: Press the "+" button at the bottom of the screen to add a repository
Step 3: Select the source account from which you will transfer the money to the deposit account
Step 4: Select the deposit from the predefined list
Step 5: Enter the amount to be transferred
Step 6: Tick all the required boxes and authorise the transaction, after you have read the documents they refer to.

For more details, go to Information on Deposit Acceptance Conditions for Individuals.

In the case of account opening by the account holder in branches:

• Original identity document (identity card - residents, passport - non-residents).
• Other documents, as appropriate

In case of opening of a deposit account for an existing customer by an authorised person:

• Original identity card of the authorised person.
• Notarised document (power of attorney) attesting the person's authority to open the account, the deposit account and other documents required for opening accounts at the bank
• Other documents, as appropriate

• A term deposit is a bank product designed for savings, which is set up for a fixed period of time, without options to top up or withdraw cash.
• Savings account is a banking product for saving purposes that is set up for an indefinite period of time, offering the possibility of making additional deposits and withdrawals as required respecting the minimum and maximum balance.

The minimum deposit amount varies depending on the type of savings product selected.

For more details, see Information on deposit conditions for individuals.

Interest payments for term deposits are made monthly or every 30 days depending on the product selected.

Interest payments for savings accounts are calculated monthly or quarterly depending on the product selected, with interest transferred to the account on the first day of the month.

General interest calculation method: (Deposit balance*interest rate*number of days)/365*100

Calculation example: (20 000*2,5*180)/365*100=246,58

Balance (lei) - 20 000 thousand lei
Interest rate - 9,5%
180 - term of deposit
365 - number of days in the year.

For more details, see Information on deposit acceptance conditions for individuals.

The interest calculated for term deposits is transferred monthly to the current or card account indicated when the deposit is opened.

The automatic extension option varies depending on the product selected.

^{Deposits opened through OTP Internet & Mobile Banking are not automatically renewed, at maturity the deposit balance is transferred to the customer's current account.}

Under current legislation, banks, savings and loan associations and issuers of corporate securities withhold a tax of 6% on interest paid to resident individuals and 9,5% on interest paid to non-resident individuals.

For example, if the bank calculates an interest of 100 lei for a certain period, then the amount of tax will be 6 lei (100*6%) and 93 lei (interest minus withholding tax) will be transferred to the account.

Information on deposit accounts can be obtained at the branch or via OTP Internet/Mobile Banking.