ES
P2P investment in receivables
Esketit
Minimum10 EUR
Advertised return11.86%
Capital and returns are not protected by FGDB.
Information checked 17.07.2026View platform →
Home›Deposits
Savings without hidden arithmetic
Compare deposits by what remains at maturity
Choose the amount, currency and term. See the annual rate published by the bank, withheld tax and estimated gain for your selected period.
6 products checked29 institutions in the directoryUpdated 9 August 2026
Verification recordReviewed by the Kreditano editorial team
- Source
- FGDB, ANAF and bank documents
- Checked
- 09.08.2026
- Status
- Updated 9 August 2026
Estimate for your selectionCASS is not deducted automatically. It may apply only when aggregate annual income reaches the relevant 2026 tax thresholds.
Gross interest0
Tax withheld0
Estimated gain0
Other options for available cash
These are not term deposits
Their rules and risks differ. They are shown separately so an advertised return or variable rate is not compared directly with a fixed term-deposit rate.
R
Instant-access savings account
Revolut
Product typeInstant-access savings account
Advertised returnVariable rate, depending on plan
This is not a term deposit. The rate can change and protection is provided through the Lithuanian scheme.
Information checked 09.08.2026View savings →
A checkable comparison
Deposits matching your selection
The order updates by estimated net gain. No position has been purchased.
TB
TBI Bank
TBI Online Deposit
6.70%3 months7.00%6 months7.00%12 months
Estimated net gain0Annual rate
- Minimum amount
- confirm with the bank
- Opening
- online
- Deposit protection
- Bulgarian Deposit Insurance Fund (BDIF) · 100,000 EUR
- Payment through
- FGDB România
Early closure receives the bank's standard current-account rate.
Conditions used: individual customers · online deposit
Deposit protection
Bulgarian Deposit Insurance Fund (BDIF), 100,000 EUR. Payment through: FGDB România. Access within 7 working days.
Guarantee source ↗Rate source ↗Rate effective from 30.06.2026 · Direct link, not a sponsored position
GB
Garanti BBVA
Online term deposit
5.00%3 months5.00%6 months5.10%12 months
Estimated net gain0Annual rate
- Minimum amount
- confirm with the bank
- Opening
- online
- Deposit protection
- FGDB România · 100,000 EUR
- Payment through
- FGDB România
Check the contract for the effect of early withdrawal.
Conditions used: internet or mobile banking · RON rate for balances below 50,000 lei · EUR rate for balances below 10,000 euro
Deposit protection
FGDB România, 100,000 EUR. Payment through: FGDB România. Access within 7 working days.
Guarantee source ↗Rate source ↗Rate effective from 06.07.2026 · Direct link, not a sponsored position
LI
Libra Internet Bank
Standard term deposit
5.25%3 months5.50%6 months5.80%12 months
Estimated net gain0Annual rate
- Minimum amount
- 100 RON
- Opening
- online
- Deposit protection
- FGDB România · 100,000 EUR
- Payment through
- FGDB România
Under the bank's conditions, the app may preserve 25% of accrued interest on the withdrawn amount.
Conditions used: individual customers · mobile or internet banking
Deposit protection
FGDB România, 100,000 EUR. Payment through: FGDB România. Access within 7 working days.
Guarantee source ↗Rate source ↗Rate effective from 14.07.2026 · Direct link, not a sponsored position
IS
Intesa Sanpaolo Bank
Standard term deposit
5.75%3 months6.00%6 months6.00%12 months
Estimated net gain0Annual rate
- Minimum amount
- 500 RON
- Opening
- branch or online
- Deposit protection
- FGDB România · 100,000 EUR
- Payment through
- FGDB România
Check the contract for the effect of early withdrawal.
Conditions used: individual customers · Intesa's 0.25 pp online bonus is not included
Deposit protection
FGDB România, 100,000 EUR. Payment through: FGDB România. Access within 7 working days.
Guarantee source ↗Rate source ↗Rate effective from 09.07.2026 · Direct link, not a sponsored position
SB
Salt Bank
Term deposit
5.30%3 months5.50%6 months5.90%12 months
Estimated net gain0Annual rate
- Minimum amount
- 500 RON
- Opening
- online
- Deposit protection
- FGDB România · 100,000 EUR
- Payment through
- FGDB România
Check the contract for the effect of early withdrawal.
Conditions used: individual customers · online deposit
Deposit protection
FGDB România, 100,000 EUR. Payment through: FGDB România. Access within 7 working days.
Guarantee source ↗Rate source ↗Rate effective from 03.07.2026 · Direct link, not a sponsored position
PB
ProCredit Bank
Term deposit
6.50%3 months7.00%6 months6.80%12 months
Estimated net gain0Annual rate
- Minimum amount
- 500 RON
- Opening
- online
- Deposit protection
- FGDB România · 100,000 EUR
- Payment through
- FGDB România
Check the contract for the effect of early withdrawal.
Conditions used: individual customers · online deposit
Deposit protection
FGDB România, 100,000 EUR. Payment through: FGDB România. Access within 7 working days.
Guarantee source ↗Rate source ↗Rate effective from 06.07.2026 · Direct link, not a sponsored position
Market coverage
Official FGDB list ↗29 institutions, but only 6 comparable products today
The official list answers who is present in the market. The rate table answers a different question: which retail product we checked against a dated source and its conditions. Missing rates are not filled from old advertising.
In catalogueComparable dataDirect access
The catalogue shows tracked institutions. Comparable data and direct access are confirmed separately.
| Institution | Legal form | Protection | Status |
|---|---|---|---|
| BCRBanca Comercială Română S.A. | Romanian legal personRB-PJR-40-008 | FGDB Romania | In catalogueData under review |
| BCR Banca pentru LocuințeBCR Banca pentru Locuințe S.A. | Romanian legal person | FGDB Romania | In catalogueData under review |
| Intesa Sanpaolo BankBanca Comercială Intesa Sanpaolo România S.A. | Romanian legal person | FGDB Romania | In catalogueComparable dataDirect access |
| BRCIBanca Română de Credite și Investiții S.A. | Romanian legal person | FGDB Romania | In catalogueData under review |
| Banca TransilvaniaBanca Transilvania S.A. | Romanian legal personRB-PJR-12-019 | FGDB Romania | In catalogueData under review |
| BRDBRD Groupe Société Générale S.A. | Romanian legal personRB-PJR-40-007 | FGDB Romania | In catalogueData under review |
| CEC BankCEC Bank S.A. | Romanian legal personRB-PJR-40-046 | FGDB Romania | In catalogueData under review |
| Exim Banca RomâneascăExim Banca Românească S.A. | Romanian legal person | FGDB Romania | In catalogueData under review |
| Garanti BBVAGaranti Bank S.A. | Romanian legal personRB-PJR-40-066 | FGDB Romania | In catalogueComparable dataDirect access |
| Libra Internet BankLibra Internet Bank S.A. | Romanian legal person | FGDB Romania | In catalogueComparable dataDirect access |
| Patria BankPatria Bank S.A. | Romanian legal personRB-PJR-32-045 | FGDB Romania | In catalogueData under review |
| Credex BankCredex Bank S.A. | Romanian legal person | FGDB Romania | In catalogueData under review |
| ProCredit BankProCredit Bank S.A. | Romanian legal person | FGDB Romania | In catalogueComparable dataDirect access |
| Raiffeisen BankRaiffeisen Bank S.A. | Romanian legal personRB-PJR-40-009 | FGDB Romania | In catalogueData under review |
| Salt BankSalt Bank S.A. | Romanian legal person | FGDB Romania | In catalogueComparable dataDirect access |
| TechVentures BankTechVentures Bank S.A. | Romanian legal person | FGDB Romania | In catalogueData under review |
| UniCredit BankUniCredit Bank S.A. | Romanian legal person | FGDB Romania | In catalogueData under review |
| Vista BankVista Bank (România) S.A. | Romanian legal person | FGDB Romania | In catalogueData under review |
| CREDITCOOPBanca Centrală Cooperatistă CREDITCOOP | Romanian legal person | FGDB Romania | In catalogueData under review |
| ING BankING Bank N.V. Amsterdam, Sucursala București | Branch of an EU bankRB-PJS-40-024 | Home-country schemeNetherlands | In catalogueData under review |
| Banque Banorient FranceBanque Banorient France S.A., Sucursala România | Branch of an EU bank | Home-country schemeFrance | In catalogueData under review |
| Citibank EuropeCitibank Europe plc, Dublin, Sucursala România | Branch of an EU bank | Home-country schemeIreland | In catalogueData under review |
| TBI BankTBI Bank EAD Sofia, Sucursala București | Branch of an EU bankRB-PJS-40-068 | Home-country schemeBulgaria | In catalogueComparable dataDirect access |
| BNP Paribas Personal FinanceBNP Paribas Personal Finance S.A. Paris, Sucursala București | Branch of an EU bank | Home-country schemeFrance | In catalogueData under review |
| BNP ParibasBNP Paribas S.A. Paris, Sucursala București | Branch of an EU bank | Home-country schemeFrance | In catalogueData under review |
| Bank of China (CEE)Bank of China (Central and Eastern Europe) Limited, Sucursala București | Branch of an EU bank | Home-country schemeHungary | In catalogueData under review |
| PKO Bank PolskiPKO Bank Polski S.A. Varșovia, Sucursala București | Branch of an EU bank | Home-country schemePoland | In catalogueData under review |
| Revolut BankRevolut Bank UAB Vilnius, Sucursala București | Branch of an EU bank | Home-country schemeLithuania | In catalogueData under review |
| Nexent BankNexent Bank N.V. Amsterdam, Sucursala București | Branch of an EU bank | Home-country schemeNetherlands | In catalogueData under review |
Why a branch is shown separately
PJR identifies a Romanian legal person. PJS flags a foreign branch and starts an additional check covering the exact fund, compensation currency and depositor document. The code alone does not settle every detail.
For an EU branch, FGDB may handle the local payout after receiving funds from the home-country scheme. Compensation is paid in the currency supplied by that scheme, so the deposit currency does not guarantee the payout currency.
Guarantee arrangements are not identical
The guarantor and local payout agent can be different
The Romanian banks in this comparison participate in FGDB. TBI operates in Romania as a branch of a Bulgarian bank: BDIF guarantees the deposit and FGDB acts as payout agent in Romania.
The standard ceiling is EUR 100,000 per depositor and institution, including eligible accrued interest. Some depositor or fund categories may be excluded, so every card links to the institution's document.
“In 2024, while checking offers for a client who kept an emergency reserve in lei, the useful difference was not the advertised rate. It was what remained after tax and what was lost if the money was needed in month five.”
Bogdan Baicu, former BRD credit officer
Continue your checks
From a rate table to a complete decision
How we handle the data
Official rate, visible condition, precise date
Each rate comes from a page or document published by the bank. Its effective date is stored separately from the latest verification date. A newer document always takes priority over the old set.
The calculator uses simple interest for the selected term and deducts the 10% tax withheld at source. It does not assign CASS to one deposit because that liability depends on the person's aggregate income.
Questions before opening
Is the highest rate automatically best?+
No. Check the minimum, opening channel, early access and the currency in which you will spend the money.
Does Kreditano open the deposit?+
No. We compare public information and send you directly to the bank. The contract is made only with the selected institution.
How are deposits ordered?+
By estimated net gain for the selected amount, currency and term. Any future commercial link will be labelled and will not alter that order.
Does the estimate include CASS?+
No. It shows the gain after withholding tax. Possible CASS is checked separately against aggregate annual income.