Open an Internet and Mobile Banking deposit at OTP Bank and benefit of a bonus of 0.15% above the standard interest rate
Interest up to 6.20% per year (bonus included) for deposits in LEI, at 6 and 12 months term
Interest up to 3.6% per year (bonus included) for deposits in EUR, at 12 months term
Interest up to 4.05% per year (bonus included) for deposits in USD, at 12 months term
Calculate the amount you can get:
Advantages of a Standard Deposit
OTP Bank term deposits are available in LEI, EUR, USD, HUF, and GBP;
You can increase the saving rate due to the interest capitalization effect;
Automatically manage the standard deposit by choosing one of the three options available at maturity;
You have zero opening, liquidation and cash withdrawal fees*.
*only in the case of cash withdrawals from term deposits, at maturity date (this advantage doesn’t apply for term deposits with a maturity less than or equal to one month).
What are your options at maturity?
The automatic extension of the deposit with interest capitalization - the extension will be automatically made by the bank for an equal number of months with the initial option, using the interest rate valid at the date of the deposit extension, and the interest accrued for the previous period will be added to the initial deposit;
The automatic extension of the deposit without capitalization - the extension will be automatically made by the bank for an equal number of months with your initial option, using the interest rate valid at the time of the deposit extension and the interest accrued for the previous period will be transferred to the current account;
- Automatic liquidation of the online deposit - we will transfer to your current account the amount of the deposit and the corresponding interest.
*Terms of establishment may be 1, 3, 6 or 12 months.
How can you open an OTP Bank Internet and Mobile Banking deposit?
Enable OTPdirekt - Internet Banking service or SmartBank service and you can open an Internet and Mobile Banking deposit anytime. The minimum amount required to open the account is 100 LEI / EUR / USD / HUF / GBP.
We are waiting for you at any of OTP Bank branches for more details on the benefits of digital banking.
Are you an OTP Bank customer without Internet Banking?
You can set up an deposit in LEI, EURO, USD, HUF or GBP right now, which will bring you mobility and comfort.
Not an OTP Bank customer?
It's simple and fast to open an online bank account at OTP Bank.
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Frequently Asked Questions
Can I use the money I have in my savings account at any time? How does this affect me?
Yes, money deposited in a savings account can be used at any time. You will still receive the interest calculated for the amount you have in your savings account.
When do I receive the interest for my savings from the savings account?
Interest is calculated based on the daily amount you have in your account and is transferred into your savings account at the beginning of the following month. The interest rate is variable and varies depending on cumulative instalments.
What is the minimum amount required to open a deposit?
To open a deposit account with OTP Bank, you need at least 100 LEI, 100 EURO, 100 USD, 100 GBP or 25.000 HUF. To find out the interest rate level applied depending on the amount deposited and the maturity period, go to this link.
How is the interest on deposits?
Interest on deposits is fixed and applies to the amount in the deposit account for the selected period.
Can I withdraw interest on deposits every month?
You can withdraw interest monthly only if you opt for the following options:
- Deposit in LEI, EUR, USD, HUF, GBP with one month maturity;
- Deposit in LEI, EUR on 1 year with fixed interest and monthly interest payment.
