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3.Dobanzi Depozite PF www.analizafinbancara.ro Dobânzi Depozite la termen în RON - Persoane fizice Septembrie 2020 (dobandă fixă, plătită la scadență) 1 2 3 4 6 9 12 18 24 36 Suma minimă / Banca Notă 7 luni Interval lună luni luni luni luni luni luni luni luni luni iLetar constituire depozit Alior Bank 1.40% - 1.65% - 2.00% - - 2.70% - 2.75% 2.80% 1.000 RON - Online A +0.10% bonus ghișeu și Alpha Bank 1 0.70% 0.70% 1.40% - 1.70% - 1.70% 2.50% - 2.80% 3.00% încasare venit la Alpha Banca Feroviară 1.45% - 1.65% 2.30% 2.45% 3.25% 3.35% 3.45% 3.55% 1.000 RON Banca Românească ③ 0.90% 1.50% 1.50% 2.25% 3.00% 2.25% 2.85% 2.75% - 500 RON Banca Transilvania 0.50% - 1.00% - 1.60% - - 2.75% - 3.00% 3.50% 100 RON 500 RON - Online. +0.2% BCR - - 0.45% - 0.95% - - 1.25% - 1.60% - 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 BRD SocGen 0.15% - 0.45% - 0.65% - - 0.95% - 1.25% 150 - 10.000 RON BRD SocGen 0.20% - 0.50% - 0.70% - - 1.00% - 1.30% - 10.001 -50.000 RON BRD SocGen 0.25% - 0.55% - 0.75% - - 1.05% - 1.35% - > 50.000 RON 300 RON 1 -12 luni CEC Bank 2 0.95% - 1.40% - 2.60% - - 3.60% - 3.85% 4.00% Online 1000 RON 24-36 luni C Credit Agricole Bank 1.30% - 1.80% - 2.00% - 2.60% 2.70% 2.80% 2.80% - 500 RON Credit Europe Bank 3 1.25% - 1.75% - 2.25% - 2.25% 2.50% - 2.50% - 1.000 RON. Fonduri noi 500 RON: 1-12 luni Online F First Bank 1.00% - 1.80% - 2.40% - - 2.80% - 2.30% 2.45% <40.000: 24-36 luni Ghișeu G Garanti Bank 4 1.00% - 1.60% - 2.40% - - 2.80% - - - 200 RON Idea Bank 0.90% - 2.70% - 3.45% - 2.05% 3.45% 2.85% 2.85% - 500 - 50.000 RON 5 Idea Bank 1.00% - 2.75% - 3.50% - 2.10% 3.50% 2.90% 2.90% - > 50.000 RON I 1.000 RON. ING Bank 0.10% - 0.20% 1.50% - - - 1.70% - - - 4 luni: depozite Bonus Intesa Sanpaolo Bank 1.00% - 1.50% - 1.75% - - 2.00% 2.25% 2.50% 2.60% 500 RON - Online L Libra Internet Bank 6 1.75% - 2.00% - 2.25% 3.00% 2.40% 2.50% 2.75% 3.00% 3.00% 100 RON OTP Bank 1.40% - 2.30% - 2.75% - - 3.45% 2.45% 2.05% - 100 - 50.000 RON Online O 50.000 - 100.000 RON OTP Bank 1.45% - 2.35% - 2.80% - - 3.50% 2.50% 2.05% - Online Patria Bank 7 1.20% - 1.75% - 2.50% - 2.90% - 3.10% - 1.000 RON - Online P Porsche Bank Romania 0.10% - 0.75% - 1.50% - - 2.50% 3.00% 3.50% - - ProCredit Bank 8 - - - - - - - 2.60% 2.50% 2.75% - 15.000 RON 500 RON Depozit online și R Raiffeisen Bank - - - - 1.25% - - 1.75% - 2.25% 2.25% încasare salariu / pensie la Raiffeisen. T TBI Bank 1.60% - 2.60% - 3.20% - 3.30% 3.60% 3.70% 3.80% 4.00% Depozit simplu U UniCredit Bank - - 1.50% - 1.70% - - 1.85% - - - 500 RON - Online V Vista Bank 9 1.35% - 1.50% - 1.70% 2.90% 2.00% 3.35% 3.50% - - 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 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. www.analizafinbancara.ro CEC Bank 2 Depozitele constituite online beneficiză de un bonus de dobândă de 0.10% la RON. Credit Europe Bank 3 Dobânzile pe 3, 6, 9, 12 luni sunt valabile între 01.09.2020 - 04.12.2020 pentru fonduri noi de minim 1.000 lei. Garanti Bank 4 Dobândă 15 luni: 2.80% (depozit constituit online). Idea Bank 5 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 6 Dobândă 13 luni: 3,00%. Patria Bank 7 Depozitele constituite online beneficiză de un bonus de dobândă de 0.10% la RON. ProCredit Bank 8 Dobândă 12 luni: 2,60% pentru depozitele noi constituite in perioada 01.07.2020 - 30.09.2020 Vista Bank 9 Depozite 7, 12, 14 (dobândă= 3.45%), 18 luni, de minim 50.000 RON, constituite în 01.07.2020 – 30.09.2020. Cea mai mare dobând ă la depozitele la termen în RON, persoane fizice: Septembrie 2020 Suma depozit 1,000 2,000 5,000 Rată Dobândă la scadență Banca Perioada dobând (în RON) ă Libra Internet Bank1 lună 1.75% 1.5 2.9 7.3 Alpha Bank2 luni 0.70% 1.2 2.3 5.8 Idea Bank3 luni 2.75% 6.9 13.8 34.4 Banca Românească, 4 luni 1.50% 5.0 10.0 25.0 ING Bank Ideea Bank5 luni 2.00% 8.3 16.7 41.7 Idea Bank 6 luni 3.50% 17.5 35.0 87.5 Banca Românească, 7 luni 3.00% 17.5 35.0 87.5 Libra Internet Bank TBI Bank9 luni 3.30% 24.8 49.5 123.8 BRCI, TBI Bank 12 luni 3.60% 36.0 72.0 180.0 Libra Internet Bank13 luni 3.00% 32.5 65.0 162.5 Garanti Bank 15 luni 2.80% 35.0 70.0 175.0 TBI Bank 18 luni 3.70% 55.5 111.0 277.5 CEC Bank 24 luni 3.85% 77.0 154.0 385.0 CEC Bank, TBI Bank36 luni 4.00% 120.0 240.0 600.0 Sursa : Băncile Autor : www.analizafinbancara.ro CURBA CELOR MAI MARI DOBÂNZI LA DEPOZITELE BANCARE LA TERMEN - ÎN RON: SEPTEMBRIE 2020 , PERSOANE FIZICE 4.00% 3.85% 4.50% CEC Bank 3.60% 3.70% CEC TBI Bank 3.50% BRCI, TBI Bank 4.00% 3.30% Ideea TBI Bank Bank Bank TBI 3.50% 2.75% Bank Ideea 3.00% Bank 3.00% 3.00% 2.00% Banca 2.50% Libra 2.80% 1.75% Ideea Românească Bank Garanti Libra Bank Libra Bank 2.00% Bank Bank 1.50% 1.5% 1.00% Banca Românească ING Bank : Băncile 0.50% 0.70% Sursa Rată dobândă Alpha Bank Autor : www.analizafinbancara.ro 0.00% 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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