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3.Dobanzi Depozite PF www.analizafinbancara.ro Dobânzi Depozite la termen în RON - Persoane fizice Martie 2021 (dobandă fixă, plătită la scadență) 1 2 3 4 6 7 9 12 18 24 36 Suma minimă / Banca Notă Interval lună luni luni luni luni luni luni luni luni luni luni Litera constituire depozit Alior Bank 1.40% - 1.75% - 2.10% - - 2.50% - 2.75% 2.80% 1.000 RON - Online A +0.10% bonus ghi șeu și Alpha Bank 1 0.50% 0.50% 1.10% - 1.30% - 1.50% 1.90% - 2.10% 2.30% încasare venit la Alpha Banca Românească 0.65% - 1.35% 1.35% 1.80% 1.80% 2.80% 2.75% 2.50% - 500 RON Banca Transilvania 0.40% - 0.50% - 1.00% - - 1.60% - 1.65% 1.85% 100 RON 500 RON Online. +0.2% BCR 2 - - 0.25% - 0.50% - - 0.80% - 1.15% - încasare venit la BCR B Banca Română de BRCI 1.50% - 2.00% - 2.60% - 2.80% 3.60% - - - 500 RON Credite si Investiţii < 50.000 RON. Peste Blom Bank France 0.30% 0.30% 0.50% - 1.00% - 1.25% 1.25% - - - 50.000 RON negociabil 150 RON. +0,05% la BRD SocGen 3 0.10% - 0.45% - 0.75% - - 1.05% - 1.25% 1.40% încasare venit 300 RON 1 -12 luni CEC Bank 4 0.95% - 1.40% - 2.60% - - 3.10% - 3.35% 3.50% Online 1000 RON 24-36 luni C Credit Agricole Bank 1.10% - 1.60% - 1.80% - 2.30% 2.50% 2.60% 2.60% - 500 RON Credit Europe Bank 5 1.25% - 1.75% - 2.25% - 2.25% 2.50% - 2.30% - 1.000 RON.Fonduri noi 500 RON: 1-12 luni Online F First Bank 0.80% - 1.35% - 1.65% - - 2.15% - 1.90% 2.00% <40.000: 24-36 luni Ghișeu G Garanti Bank 6 0.85% - 1.50% - 2.20% - - 2.55% - - - 200 RON Idea Bank 0.90% - 1.95% - 2.50% - 2.05% 2.70% 2.75% 2.75% - 500 - 50.000 RON 7 Idea Bank 1.00% - 2.00% - 2.55% - 2.10% 2.75% 2.80% 2.80% - > 50.000 RON I 1.000 RON. ING Bank 0.10% - 0.20% 1.00% - - - 1.20% - - - 4 luni : depozite Bonus Intesa Sanpaolo Bank Online 0.75% - 1.25% - 1.50% - - 1.75% 2.00% 2.25% 2.35% 500 RON - Online L Libra Internet Bank 8 1.05% - 1.15% - 1.30% 2.00% 1.80% 2.00% 2.25% 2.25% 2.25% 100 RON 100 - 50.000 RON OTP Bank 1.10% - 1.80% - 2.30% - - 2.75% - Online 50.000 - 100.000 RON O OTP Bank 1.15% - 1.85% - 2.35% - - 2.80% - Online OTP Bank 1.20% - 1.90% - 2.40% - - 2.85% - ≥ 100.000 RON Online Patria Bank 9 1.00% - 1.35% - 2.05% - 2.50% - 2.70% - 1.000 RON - Online P Porsche Bank Romania 0.10% - 0.50% - 1.00% - - 1.50% - - - - ProCredit Bank 10 - - - - - - - 2.25% 2.30% 2.30% - 15.000 RON. Fonduri noi 500 RON Depozit online; R Raiffeisen Bank - - - - - - 1.00% - 1.25% încasare salariu / pensie la Raiffeisen. Techventures Bank ③ 1.30% - 1.65% - 2.05% 2.10% 2.75% 2.85% 2.95% 3.05% 1.000 RON T TBI Bank 11 1.40% - 2.40% - 3.00% - 3.10% 3.40% 3.50% 3.60% 3.80% Depozit simplu U UniCredit Bank - - 0.50% - 1.00% - - 1.20% - - - 500 RON - Online V Vista Bank 12 1.35% - 1.50% - 1.70% 2.20% 1.90% 2.90% 3.10% - - 4.500 RON ( 1-6,9 luni) Sursa : Băncile Autor : www.analizafinbancara.ro Observații : ① Conform legislaţiei în vigoare, băncile calculează, reţin şi virează la stat un impozit de 10% la dobânzile bonificate. ② Depozitele sunt garantate de Fondul de Garantare a Depozitelor Bancare (FGDB), în limita plafonului de 100.000 EUR, echivalent în lei, per deponent per bancă. Depozitele deschise la Alior Bank, Blom Bank France, ING Bank și TBI Bank sunt garantate de FGDB din Polonia, Franța, Olanda și respectiv, Bulgaria, deoarece acestea sunt sucursale ale băncilor străine. ③ Banca Comercială Feroviară S.A. a devenit Techventures Bank S.A. începând cu data 14 decembrie 2020. Notă: Alpha Bank 1 Pentru studen ți, pensionari și cei care își încasează salariul în Alpha Bank, depozitele la termen cu scadența între 3 - 12 luni, constituite la ghișeele băncii, au rata dobânzii mai mare cu 0.10% pe an. BCR 2 Clienţii care incasează salariul/pensia la BCR primesc un bonus de dobândă suplimentar de 0,20% ( ≥6 luni) . www.analizafinbancara.ro BRD Soc Gen 3 Bonus de dobândă de 0,05% se acordă pentru cei care își încasează venitul (salariul, pensia) la BRD SocGen. CEC Bank 4 Depozitele constituite online beneficiză de un bonus de dobândă de 0.10% (deJa inclus în dobânzile din tabel). Credit Europe Bank 5 Dobânzile pe 3, 6, 9, 12 luni sunt valabile între 01.09.2020 - 04.06.2021 pentru fonduri noi de minim 1.000 lei. Garanti Bank 6 Dobândă 15 luni: 2.55% (depozit constituit online). Idea Bank 7 Dobândă 5 luni: 1,95% pentru depozite cu sume între 500 - 50.000 RON. 2.00% pentru depozite cu sume > 50.000 RON. Libra Internet Bank 8 Dobândă 13 luni: 2,25%. Patria Bank 9 Depozitele online beneficiză de un bonus (deJa inclus în tabel) de 0,10% la 1-3 luni și de 0,20% la 6-24 luni. ProCredit Bank 10 Dobanda 12 luni: 2,25% pentru depozitele constituite din fonduri noi în perioada 15.01.2021 - 30.04.2021. TBI Bank 11 Dobândă 15 luni: 4,20%. Vista Bank 12 Depozite 7 și 12 luni, de minim 50.000 RON, între 01-31.03.2021. Depozit 18 luni, între 10.03-31.05.2021. Cele mai mari dobânzi la depozitele la termen în RON: Dobânda medie la depozitele în RON: Martie 2021 Suma depozit 1,000 5,000 Martie 2021 Dobândă la Rată Rată Banca Perioada scaden ță Perioada dob. dobândă (în RON) medie Banca Română de 1 lună 1.50% 1.3 6.3 1 lună 0.89% Credite si Investiţii Alpha Bank2 luni 0.50% 0.8 4.2 2 luni 0.40% TBI Bank3 luni 2.40% 6.0 30.0 3 luni 1.31% Banca Românească4 luni 1.35% 4.5 22.5 4 luni 1.18% Idea Bank5 luni 2.00% 8.3 41.7 5 luni 1.98% TBI Bank 6 luni 3.00% 15.0 75.0 6 luni 1.82% Vista Bank 7 luni 2.20% 12.8 64.2 7 luni 2.00% Rata inflației = 3.16% TBI Bank9 luni 3.10% 23.3 116.3 9 luni 2.16% (feb.2021 /feb.2020) Banca Română de 12 luni 3.60% 36.0 180.0 12 luni 2.23% Credite si Investiţii Rata dobânzii de Libra Internet Bank 13 luni 2.25% 24.4 121.9 13 luni 2.25% politică monetară ( > 15.01.2021) = 1.25% TBI Bank 15 luni 4.20% 52.5 262.5 15 luni 3.38% TBI Bank 18 luni 3.50% 52.5 262.5 18 luni 2.68% Sursa : BNR TBI Bank 24 luni 3.60% 72.0 360.0 24 luni 2.34% TBI Bank 36 luni 3.80% 114.0 570.0 36 luni 2.53% Sursa : Băncile Autor : www.analizafinbancara.ro CURBA CELOR MAI MARI DOBÂNZI LA DEPOZITELE BANCARE LA TERMEN - ÎN RON: MARTIE 2021 , PERSOANE FIZICE 4.20% 4.5% 3.80% TBI Bank 3.60% TBI 3.60% TBI Bank 4.0% 3.10% BRCI Bank 3.00% TBI 3.5% TBI Bank Bank 3.50% 2.40% 3.0% TBI TBI 2.00% Bank Bank 2.5% Ideea Bank 2.0% 1.50% 2.25% 2.20% BRCI Libra Vista Bank 1.5% Bank 1.0% 1.35% Banca Sursa : Băncile Românească Autor : www.analizafinbancara.ro 0.5% Rată dobândă 0.50% Alpha Bank 0.0% 1 LUNĂ 2 LUNI 3 LUNI 4 LUNI 5 LUNI 6 LUNI 7 LUNI 9 LUNI 12 LUNI 13 LUNI 15 LUNI 18 LUNI 24 LUNI 36 LUNI.
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