Deposit Interest Rate Comparator: Top Bank Deposits in Romania in 2026
Compare Net Interest Rates and Real Profit for RON, EUR or USD Deposits
RON | Bank | 1 year | 6 months | 1 month |
|---|---|---|---|
| tbi | 7.00% | 7.00% | 6.50% |
| ProCredit | 6.50% | 7.00% | - |
| Libra | 5.80% | 5.50% | 4.75% |
| Intesa | 5.75% | 6.00% | 4.75% |
| BCR | 5.50% | 4.60% | - |
| UniCredit | 5.50% | 5.30% | - |
| Exim | 5.40% | 5.30% | 4.20% |
| CEC | 5.25% | 4.95% | 4.25% |
| Transilvania | 5.25% | 4.70% | 4.00% |
| Raiffeisen | 5.20% | - | - |
| BRD | 5.20% | 4.30% | - |
| ING | 5.00% | 4.50% | - |
This page provides an overview of the savings market for individuals, centralizing the term deposit offers from the main banks in Romania.
💡 Tips for depositors: Profit and Prudence
Risk-Return Relationship
According to fundamental banking principles, an interest rate significantly higher than the market average may reflect a higher risk profile of the respective institution. A bank offers attractive rates when it wants to attract liquidity quickly.
Diversification Strategy
Financial prudence recommends avoiding the concentration of all savings in a single institution. Diversifying your deposits protects your liquidity: in case one bank faces difficulties, you retain access to the rest of your money deposited in other institutions.
Interest Rate Information
The table above is designed to allow you a quick scan of interest rates based on the chosen currency (RON, EUR, or USD) and the maturity of the deposit. You can use the sorting function for each period column (from 1 month to 12 months) to instantly identify which institution offers the highest interest rate for your time horizon. Whether you seek short-term liquidity or maximum long-term yield, this tool provides you with the necessary data to make an objective comparison between various bank products.
Enable the "Net" interest display to see the real return on deposits, calculated after the automatic tax withholding (net interest = gross interest × 0.90). Gross interest is the yield offered by the bank before taxes. To get the net interest (the money you actually keep), the 10% income tax is deducted. According to Romanian tax legislation, interest income is taxed at 10%, an amount withheld at the source by the bank at the time of payment.
Data is centralized for informational purposes. Interest rate values are subject to change without notice and may depend on additional criteria of each bank (such as salary receipt or opening new accounts). We recommend confirming the updated terms directly with the selected bank.
Deposit Guarantee
Safety of your savings: All deposits presented in this comparator are constituted at banking institutions in Romania, members of the Bank Deposit Guarantee Fund (FGDB). By law, your savings are protected up to 100,000 EUR (LEI equivalent) per depositor, per bank. This guarantee covers both the deposited amount (capital) and the accumulated interest until the deposit becomes unavailable, ensuring your financial peace of mind regardless of the chosen bank's size.
Note on the Guarantee: Deposits are guaranteed up to 100,000 EUR per depositor. For Romanian banks, the guarantee is provided by the FGDB. For branches of banks from other EU states present in Romania (list), the guarantee is provided by the scheme in the country of origin. How does it work? In case of necessity, the FGDB collaborates with EU schemes and can make payments to depositors in Romania on their behalf (according to the EFDI Agreement), after receiving the necessary funding and instructions from the home scheme. The payment is made in the currency provided by the respective member state.
Learn more about deposit guarantees on the dedicated page: detailed deposit guarantee information.
About the Project
Infodobanzi.ro is your independent source for financial analysis. We help you quickly compare bank interest rates and identify the most profitable deposits in RON, EUR, or USD, giving you total transparency over real returns.
Useful Information
Our platform operates as an independent comparator of banking products. We update term deposit rates daily to give you a clear picture of the savings market in Romania. The generated calculations are estimates, and final values may vary depending on administration fees or the specific conditions of each bank.
Note
Infodobanzi.ro is not a financial institution and does not provide direct consulting. We recommend always checking the final offer on the bank's official website before opening an account or a deposit. All mentioned bank names and trademarks belong to their respective owners and are used here solely for informational and identification purposes, in accordance with comparative advertising legislation.
Data Use Terms and Conditions
The information presented on this site is purely informational and does not constitute financial advice or a firm contractual offer. Data, interest rates, and fees can be modified by banks without notice, and final conditions depend on each client's eligibility profile. We recommend users verify the updated offers directly with the banking institutions before making any decision. We do not assume liability for any errors or losses arising from the use of this data.