Private Individuals

Saving month by month a certain amount of money and maintaining permanent access to your savings!

Characteristics:

• You can open your Savings Plan in LEI or EUR, on an indefinite period of time;
• The interest is paid at the beginning of the following month;
• You have access to the money from the plan any time you need it;
• You can change the established monthly savings amount at any time;
• You have 0% fees for the account opening and maintenance and for cash deposit;

Which are the steps to take in order to open a savings plan?

• Open a current account with ProCredit Bank, if you do not already have one;
• Establish the amount that you wish tosave every month in the Savings Plan, but at least LEI 10  / EUR 5 monthly;
• Establish the date when you want this amount to be withdrawn from your current account (for example the 10th or 20th of the month);
• Let us know whether this Savings Plan is opened for you or for another person (such as your child, or a relative whom you want to provide with financial support, for instance);
• Feed your current account so that each month, on the selected day, you have in your account the equivalent of the amount necessary for the plan (thus avoiding the closing of the Savings Plan);

What will ProCredit Bank do?

• We will transfer the established amount from your current account into the Savings Plan, every month;
• On the first working day of the month, we will transfer into your Savings Plan the accrued interest for the previous month, which will be capitalized.

Interest Rates for the Savings Plan (in percentages, per year, the interest rate is variable):

The interest rate is variable, calculated at the account balance at the end of each day, taking into account a 365-day year.

* The bank has the obligation to transfer the interest income tax of 16% to the state budget, according to the legislation in force.