5. Bank Leumi, Alpha Bank, Intesa Sanpaolo 3.75%

Local subsidiary of Israeli-based Bank Leumi Romania offers a fixed interest rate of 3.75% for classic six-month deposits in euro.

Alpha Bank pays an interest of 3.75% for the six-month euro deposits. The interest is fixed until the deposit’s maturity, after which the bank applies interests in force at the respective time.

For students and pensioners, Alpha Bank raised the six-month saving accounts interest rate to 4%.

Intesa Sanpaolo
offers a similar interest rate for the same class of saving accounts, of 3.75%, but requires a minimum balance of 1,000 euros, and maximum balance of up to 500,000 euros.

4. Banca Transilvania, Piraeus Bank, ProCredit, MKB Romexterra, Credit Europe - 4%

4. Banca Transilvania, Piraeus Bank, ProCredit, MKB Romexterra, Credit Europe - 4%Banca Transilvania pays an annual interest rate for six-month euro deposits of 4%. For the euro-denominated fixed-rate term deposits, the bank requires a minimum balance of 250 euros in case of natural persons.

Piraeus Bank’s offer includes the six-month fixed term Star account in euro, for which the bank pays an interest rate of 4%. In order to open a term deposit at Piraeus Bank Romania, clients must bring a minimum 1,500 euro capital.

The interest paid by ProCredit Bank for its six-month euro deposit is still 4%, and the minimum balance is 100 euros. In order to open a fixed-term deposit at ProCredit Bank, clients must open a current account at the bank, which the bank charges with 5 lei fee.

The minimum balance required by MKB Romexterra Bank for a similar account is 300 euros, the bank paying 4% actual annual rate in return. Furthermore, clients may choose to automatically renew the account for the same term with or without compounding the interest.

Credit Europe Bank offers a fixed 4% interest for the fixed-term euro deposits and charges no account-opening fee. The minimum balance is 100 euros.

3. Marfin Bank, CEC Bank, Libra Bank, Emporiki Bank 4.25%

Marfin Bank pays an annual actual rate of 4.25% for the six-month euro deposits and charges no administration or opening fee. Furthermore, in case of high amounts, Marfin Bank can change interest rate or maturity.

For the same type of savings account, CEC Bank pays an annual actual rate of 4.25%. At maturity, the deposit may be automatically extended for a period equal to the one provided by the contract, under the interest rate conditions at the maturity extension day.

Libra Bank
pays a similar interest rate of 4.25% for this type of deposit. However, the bank requires a minimum balance of 100 euros. Libra Bank charges no commission at opening or closing.

Emporiki Bank’s offer includes a six-month euro deposit that has an interest rate of 4.25%. In order to open account at Emporiki Bank, any client must have a minimum balance of 500 euros.

2. ATEbank, Banca Comerciala Carpatica, GarantiBank 4.5%

A similar account can be opened at ATEbank by any natural person with a minimum capital of 300 euros, for which the bank pays an annual actual rate of 4.5%. At maturity, ATEbank clients may opt for automatic extension of the deposit term or the transfer of the initial amount in the current account.

For the classic six-term deposit in euro, Banca Comerciala Carpatica pays an annual rate of 4.5%, and the minimum amount to open a saving account is 100 euros. At maturity, the deposit can be withdrawn, or automatically extended. The interest may be paid on a monthly basis (transferred in the current account) or at maturity.

Garanti Bank pays for a similar saving account an interest rate of 4.5%. The bank requires a minimum sum of 200 euros. Clients may choose to extend the term at maturity, for another six months, but at a different interest rate. Otherwise, the interest can be collected by the saver from the current account.


1. Millennium Bank 4.75%

Millennium Bank’s offer takes the first spot, with the highest rate paid for six-month deposits both in euro, and in lei.

The minimum balance required by Millennium Bank is 200 euros, for which the bank pays an annual actual rate of 4.75%. The bank charges no account administration or opening fee. At maturity, the bank is either compounding the interest or transferring the existent interest in the client’s current account.