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3.Dobanzi Depozite Pf.Xlsx www.analizafinbancara.ro Dobânzi Depozite la termen în USD - Persoane fizice Aprilie 2020 (dobandă fixă, plătită la scadență) 1 2 3 5 6 12 18 24 36 Suma minimă / Banca Notă 9 luni Interval lună luni luni luni luni luni luni luni luni iLetar constituire depozit Alior Bank 0.30% - 0.70% - 1.00% - 1.20% - 1.70% 1.80% 200 USD A +0.10% bonus ghișeu și Alpha Bank 1 0.30% 0.30% 0.40% - 0.80% 0.85% 0.85% - - - încasare salariu / pensie Banca Feroviară 0.20% - 0.30% - 0.30% 0.30% 0.30% - - - 350 USD Banca Românească ③ 0.45% 0.45% 0.50% - 0.55% 0.65% 0.90% 0.90% 0.90% - 150 USD Banca Transilvania 0.15% - 0.25% - 0.30% - 0.60% - - - 250 USD BCR 0.01% - 0.05% - 0.10% - 0.20% - - - 200 USD Banca Română de B 0.05% - 0.10% - 0.15% 0.20% 0.20% - - - 100 USD Credite si Investiţii < 50.000 USD. Peste Blom Bank France 0.10% 0.10% 0.15% - 0.30% 0.30% 0.45% - - - 50.000 USD negociabil BRD SocGen 0.15% - 0.30% - 0.40% - 0.60% - 0.70% - 150 - 3.000 USD BRD SocGen 0.20% - 0.35% - 0.45% - 0.65% - 0.75% - 3.001 - 10.000 USD BRD SocGen 0.25% - 0.40% - 0.50% - 0.70% - 0.80% - > 10.000 USD CEC Bank 0.05% - 0.05% - 0.10% - 0.15% - - - 200 USD C Credit Agricole Bank 0.10% - 0.10% - 0.10% 0.10% 0.10% 0.10% 0.10% - 500 USD Credit Europe Bank 0.55% - 0.65% - 0.70% 0.85% 0.85% - - - 100 USD 100 USD: 1-12 luni F First Bank 0.35% - 0.45% - 0.65% - 0.75% - 0.64% - Online G Garanti Bank 0.80% - 1.00% - 1.25% - 1.40% - - - 200 USD Idea Bank 0.60% - 0.75% 1.15% 1.20% 1.25% 1.50% 1.50% 1.50% - 300 - 15.000 USD Idea Bank 0.70% - 0.85% 1.25% 1.30% 1.35% 1.60% 1.60% 1.60% - > 15.000 USD I ING Bank nu constituie ING Bank - - - - - - - - - - depozite în USD Intesa Sanpaolo Bank 0.50% - 0.75% - 0.85% - 1.00% 1.25% 1.50% 1.60% 1.000 USD L Libra Internet Bank 2 0.10% - 0.20% - 0.50% 0.60% 0.75% 0.90% 1.25% 1.30% 100 USD OTP Bank 0.55% - 0.60% - 0.65% - 0.90% 0.95% 1.00% - 100 - 5.000 USD Online O OTP Bank 0.65% - 0.70% - 0.75% - 1.00% 1.05% 1.10% - ≥ 5.000 USD Online Patria Bank 3 0.30% - 0.40% - 0.60% - 0.80% - 1.05% - 250 - Online Porsche Bank nu constituie Porsche Bank Romania - - - - - - - - - - P dep. în USD ProCredit Bank nu ProCredit Bank - - - - - - - - - - constituie dep. în USD R Raiffeisen Bank - - - - 0.01% - 0.01% - - - 500 USD T TBI Bank 0.80% - 1.00% - 1.20% 1.30% 1.40% 1.45% 1.50% 1.55% - U UniCredit Bank - - 0.80% - 1.00% - 1.10% - - - 200 USD - Online V Vista Bank 0.30% - 0.40% - 0.60% 0.70% 0.80% - - - 1.000 USD 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 Bulgaria, deoarece acestea sunt sucursale ale băncilor străine. ③ Banca Românească va fi integrată în Eximbank până la sfârșitul anului 2020, ca urmare a finalizării achiziției acesteia de către Eximbank în ianuarie 2020. Notă: Alpha Bank 1 Pentru studenți, pensionari și cei care își încasează salariul în Alpha Bank, depozitele la termen cu scadența ≥ 3 luni, constituite la ghișeele băncii, au rata dobânzii mai mare cu 0.10% pe an. Libra Internet Bank 2 Pentru depozitele 1-12 luni, în USD, constituite online: bonus 0.05% aplicat la dobânda standard. Patria Bank 3 Depozitele constituite prin Internet Banking beneficiză de un bonus de dobândă de 0.05% la USD. www.analizafinbancara.ro Cele mai mari dobânzi la depozitele la termen în USD, persoane fizice: Aprilie 2020 Suma depozit 1,000 2,000 5,000 Rată Dobândă la scadență Banca Perioada dobândă (în USD) Garanti Bank, TBI Bank1 lună 0.80% 0.7 1.3 3.3 Banca Românească2 luni 0.45% 0.8 1.5 3.8 Garanti Bank, TBI Bank3 luni 1.00% 2.5 5.0 12.5 Idea Bank 5 luni 1.25% 5.2 10.4 26.0 Idea Bank 6 luni 1.30% 6.5 13.0 32.5 Idea Bank 9 luni 1.35% 10.1 20.3 50.6 Idea Bank 12 luni 1.60% 16.0 32.0 80.0 Idea Bank 18 luni 1.60% 24.0 48.0 120.0 Alior Bank 24 luni 1.70% 34.0 68.0 170.0 Alior Bank 36 luni 1.80% 54.0 108.0 270.0 Sursa : Băncile Autor : www.analizafinbancara.ro CURBA DOBÂNZILOR LA DEPOZITE BANCARE LA TERMEN - ÎN USD: 1.80% APRILIE 2020, PERSOANE FIZICE 1.70% Alior 2.00% 1.60% 1.60% Alior Bank Idea Bank 1.80% Idea Bank 1.35% Bank 1.30% 1.60% Idea 1.25% Idea Bank Idea Bank 1.40% Bank 1.00% Garanti 1.20% Bank TBI Bank 0.80% Rată dobândă Garanti Bank 1.00% TBI Bank 0.80% 0.60% 0.40% 0.45% Banca Sursa : Băncile 0.20% Românească Autor : www.analizafinbancara.ro 0.00% 1 LUNĂ 2 LUNI 3 LUNI 5 LUNI 6 LUNI 9 LUNI 12 LUNI 18 LUNI 2 4 LUNI 36 LUNI.
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