Term deposits

The safest way to keep money is obviously to keep it in a bank and this can be done by means of a deposit. A bank deposit is an amount of money deposited in a bank for a predefined period for which the bank pays an interest to the depositor. Therefore, a bank deposit is not just safe, but it is also economically advantageous.

A term deposit has certain specifics. The term deposit is a saving product with a certain maturity (for example, 30, 90, 180, 270, 365, 545 and 730 days for Classique deposit) and a fixed interest over the term of the deposit. Usually, it does not allow subsequent deposits and withdrawals.

Mobiasbanca brings added flexibility to the concept; the Mobile term deposit option allows you to top up your deposit and withdraw a part of funds to a minimum balance without the penalty interest being applied. The duration of this deposit varies from 3 months to one year so that you may choose the most favorable option for you.

Another savings product offered by Mobiasbanca, with even more advantages, is the Universal deposit. Besides the possibility to top up the savings account and withdraw the funds, not necessarily on term, you can always request closing of the savings account without the risk of losing the previously calculated interest. Thus, you have absolute control over the deposited funds without special consideration of the fixed period of time since the opening. Obviously, the interest rate varies depending on the deposited amount, which is received on a monthly basis at the end of each calendar month.

Mobiasbanca offers you the following savings products:

Classique Mobile Universal
 
 
- Currency: MDL, EUR and USD
- Duration: 30, 90, 180, 270, 365, 545 and 730 days - you can choose any term that suits you;
- Minimum balance: 50,000 MDL, 5,000 USD or EUR;
- No possibility to top up the deposit account and withdraw the funds from the account;
- The most attractive interest rate;
- The interest is paid on a monthly basis, at the end of each calendar month.
 
 
- Currency: MDL, EUR and USD
- Duration: any period from 90 days to 365 days - you can choose any term that suits you;
- Minimum balance: 200,000 MDL, 20,000 USD or EUR;
- Possibility to top up the deposit account;
- Possibility to withdraw a part of funds to a minimum balance, without the penalty interest being applied;
- The interest is paid on a monthly basis, at the end of each calendar month.
- Currency: MDL, EUR and USD
- Duration: unlimited;
- Minimum balance: 0 MDL, 0 USD/EUR;
- Possibility to top up the savings account;
- Possibility to withdraw the funds;
- The interest rate varies depending on the balance;
- The interest is paid on a monthly basis, at the end of each calendar month;
- You can request the closing of the savings account at any time without the risk of losing the previously calculated interest.

 

Terms and conditions for acceptance of deposits from companies