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

Information on the Deposit Guarantee Fund for Legal Entities

Deposits of legal entities are guaranteed up to the coverage level of 100 000 lei.