Frequently Asked Questions: Taxes, Health Insurance (CASS), and Deposit Profit

All displayed calculations are estimates based on the gross interest rates publicly announced by banks. We automatically apply the 10% income tax to show you the net profit, but final values may be influenced by each institution's administration fees.

Our team checks and updates the data periodically on a daily basis. However, banks can change conditions without notice, so we always recommend consulting the official offer before signing a contract.

Term deposits opened at banks in Romania are guaranteed by the Bank Deposit Guarantee Fund (FGDB) up to a limit of 100,000 EUR per depositor, per bank. This protection applies regardless of the bank's size.

Differences may arise due to the calculation methodology (banking year of 360 vs. 365 days) or the timing of the bank's tax withholding. Infodobanzi.ro offers a unified calculation structure to allow direct comparison of offers.

We are an independent comparator. The use of bank names and logos is for informational and identification purposes only, in accordance with comparative advertising legislation. We are not a financial institution and do not provide personalized advice.

In most cases, if you liquidate a deposit before maturity, you will lose all the accumulated interest and get back only the initially deposited amount (capital). However, there are flexible bank products that allow keeping a part of the interest, a detail we mention on dedicated pages where applicable.

Health insurance contribution (CASS) is paid only if your annual income from non-salary sources (interests, dividends, rents, etc.) exceeds the thresholds of 6, 12, or 24 gross minimum wages. Unlike the 10% tax, CASS is not withheld at the source by the bank, but must be declared by the beneficiary through the Single Declaration.

A term deposit "locks" the amount for a fixed period in exchange for higher interest. A savings account offers total flexibility (you can deposit and withdraw money anytime), but usually has lower interest and can undergo rate changes at any time by the bank.

Capitalization is the process by which the interest earned at the end of a period is added to the initial amount, so in the next period you will earn interest on the already accumulated interest ("compound interest"). Our calculator allows you to visualize its impact on the final profit.

Many banks in Romania now allow 100% online deposit opening, but this usually requires you to already be a client of that bank (have an open current account). For new clients, some banks offer video enrollment processes (Digital Onboarding), while others still require a branch visit.

Most banks require a minimum opening amount (usually between 100 and 1,000 RON/EUR), but the maximum limit is often restricted only by the bank's internal rules. It is important to note that the 100,000 EUR FGDB guarantee limit applies per depositor, per bank.

Yes, any interest earnings obtained by resident individuals in Romania are subject to a 10% income tax, regardless of the deposit currency. The tax is automatically withheld by the bank upon payment of the interest.

The APR represents the real yield of your savings after deducting all fees (account administration, cash withdrawal). Our calculator shows your estimated net profit, but we recommend checking if the bank charges a withdrawal fee at maturity.

Yes. Opening a deposit does not require a proof of income. It is a saving product, not a credit one, so you only need an ID and the money you wish to deposit.

Most deposits have the "automatic renewal" option enabled. At maturity, the deposit is renewed for an equal period, at the interest rate applied by the bank that day. You can always opt to transfer the money to your current account at the end of the period.