Universal savings account

You save well


Unlimited time

 and immediate availability of funds

Flexibility in managing

allowed deposits and withdrawals

When you have a business to manage, a decision made at the right time can make a difference. Choose the Universal savings account and benefit from a savings account with unlimited access to funds, advantageous interest rates and many other benefits.

Your advantages

  • You can save in MDL, EUR or USD, with an interest higher than that applied to a current account
  • You have an advantageous interest rate, which varies depending on the balance in your account
  • You can increase your savings rate due to the capitalization effect of interest
  • You have an unlimited term to set up the savings account
  • You have immediate availability of funds, without losing the accrued interest
  • You can supplement the account with cash at any time, by intra / inter-bank transfers
  • You have ZERO commission for opening and managing the savings account
  • Keep your savings safe: your funds are guaranteed within the ceiling set by the Deposit Guarantee Fund


  • Currency: MDL, EUR, USD
  • Maximum balance: unlimited, according to the conditions established by the Bank
  • Term (maturity): unlimited, according to the conditions established by the Bank
  • Interest: floating, depending on the account balance
  • Interest payment: monthly, with capitalization
  • Interest calculation: based on the actual balance in the account
  • Closing the account: on request, only at the unit where the account was opened


How to open a savings account

At the branch

Come to the OTP Bank management branch with the necessary documents in original.

Online via OTP Internet / Mobile Banking

  1. Fill in the Application for setting up the savings account in electronic format (PDF);
  2. Authorizes the Application with advanced and qualified signature;
  3. Transmits the request through secure messaging of the OTP Internet / Mobile Banking service;
  4. Contact your Personal Advisor to find out the status of the Application.

Required documents