Bank deposits June 2026: RON and EUR rates compared
Centralised list of term deposits active in Romania in June 2026, sorted by ascending gross rate. All data is drawn from price lists published by each bank; for the exact rate applicable to your contract, consult the bank's official page.
RON deposits — gross annualised rate
June 2026 check, source: price lists published on bank websites. Net interest is obtained after the 10% interest income tax per Fiscal Code art. 97 lit. b.
| Bank | 3 months | 6 months | 12 months | Minimum amount |
|---|---|---|---|---|
| BRD | 4,50% | 5,00% | 5,50% | 1.000 lei |
| CEC Bank | 4,50% | 5,00% | 5,50% | 500 lei |
| UniCredit Bank | 4,60% | 5,10% | 5,60% | 1.000 lei |
| Raiffeisen | 4,60% | 5,10% | 5,60% | 1.000 lei |
| ING Bank | 4,70% | 5,20% | 5,80% | 1.000 lei |
| BCR | 4,80% | 5,20% | 5,50% | 1.000 lei |
| OTP Bank | 4,80% | 5,30% | 5,70% | 1.000 lei |
| Banca Transilvania | 5,00% | 5,50% | 6,00% | 1.000 lei |
| Garanti BBVA | 5,10% | 5,60% | 6,10% | 1.000 lei |
| Patria Bank | 5,20% | 5,70% | 6,20% | 500 lei |
| TBI Bank | 5,80% | 6,30% | 6,80% | 500 lei |
The data shown is indicative, verified on 24 June 2026 from public price lists. For the current rates applicable to your contract, consult each bank's official page.
EUR deposits — gross annualised rate, 12 months
List of EUR term deposits at 12 months active in June 2026. EUR rates are typically lower than RON rates but offer currency protection.
| Bank | 12-month rate | Minimum amount |
|---|---|---|
| BRD | 2,70% | 500 EUR |
| BCR | 2,80% | 500 EUR |
| ING Bank | 3,00% | 500 EUR |
| Banca Transilvania | 3,20% | 500 EUR |
How a term deposit works
A term deposit is a contract where the bank holds your money for a fixed period (3, 6, 12 or 24 months) and pays you a predefined interest at maturity or via monthly capitalization, depending on the product. The general regulation comes from the Civil Code and GO 99/2006 on credit institutions.
Standard process described on banks' official pages: 1. You open a current account at the bank (if you don't have one). 2. You set up the deposit online via internet banking or in a branch, transferring the amount from your current account. 3. At setup you choose the term (3/6/12/24 months), the amount and the capitalization / auto-renewal option. 4. At maturity, the bank automatically transfers the interest to your current account or adds it to the deposit (capitalization). 5. If you chose auto-renewal, the deposit is extended for the same term at the rate in force at renewal.
Net interest calculation after tax
The gross interest published by the bank is subject to interest income tax per Fiscal Code art. 97 lit. b: 10% withheld at source by the bank. The formula is simple:
Net interest = Gross interest × 0.90
Example: 10,000 lei deposit at 6% over 12 months → gross interest 600 lei, net interest 540 lei. For larger amounts, the ratio stays identical.
FGDB guarantee — your money is protected
All bank deposits at credit institutions licensed in Romania are covered by the Bank Deposit Guarantee Fund (FGDB), in accordance with Law 311/2015 transposing EU Directive 2014/49/EU. The guarantee ceiling is the lei equivalent of 100,000 EUR per depositor per credit institution, regardless of how many deposits are open at the same bank.
The guarantee applies automatically, no prior request needed. In case of bankruptcy or revocation of the bank's authorisation, the FGDB pays depositors within 7 working days at the latest. For details, see fgdb.ro, the fund's official site.
Official sources
The data on this page is based on the following sources:
• Price lists published on banks' official websites (bcr.ro, bancatransilvania.ro, brd.ro, ing.ro, raiffeisen.ro, otpbank.ro, cec.ro, garantibbva.ro, unicredit.ro, patriabank.ro, tbibank.ro)
• National Bank of Romania — regulations, Credit Institution Register
• Bank Deposit Guarantee Fund (FGDB)
• National Authority for Consumer Protection (ANPC)
• Fiscal Code — art. 97 lit. b (interest tax)
Frequently asked questions
What is the FGDB deposit guarantee? The Bank Deposit Guarantee Fund (FGDB) guarantees deposits of individuals and legal entities up to the lei equivalent of 100,000 EUR per depositor per credit institution, per Law 311/2015. The guarantee applies automatically, no prior request needed.
How is the net deposit interest calculated? The gross interest published by the bank is subject to interest income tax, capped at 10% of the interest earned per Fiscal Code art. 97 lit. b. Net interest = gross interest × 0.90. For a 10,000 lei deposit at 6% over 12 months, gross interest is 600 lei and net interest is 540 lei.
Can I withdraw money from the deposit before maturity? Yes, but per standard contract clauses, early withdrawal cancels accrued interest or reduces it to the demand-deposit level (typically 0.1-0.5%). For flexibility, some banks offer 'deposit with capitalization' or 'deposit with partial withdrawal' products with specific conditions.
How do I choose between a RON and an EUR deposit? The decision depends on your spending horizon and EUR/RON exchange rate expectations. RON rates are typically higher than EUR rates in 2026, but EUR offers currency protection. Per the BNR 'Financial Stability' 2024 report, depositors with mostly lei expenses usually choose RON deposits; those with mixed expenses or plans to move abroad choose EUR.
Are deposits of certain categories tax-exempt? Interest income on term deposits is subject to 10% withholding tax for individuals resident in Romania for tax purposes, per the Fiscal Code. Some voluntary pension products and state instruments (Tezaur, FideliS) have a specific tax regime.