Banco Finantia’s euro-denominated Term Deposits are designed for those seeking to invest their savings with discipline and a long-term perspective. With competitive interest rates and a range of available maturities, this solution enables structured money management with specialised support.
Up to €100,000 per depositor, deposits benefit from the repayment guarantee provided by the Deposit Guarantee Fund, in accordance with the applicable legislation
12 month Term
GNAR
2,70%
Interest payment
Semi-annually
Amount of Investment
from €50.000 to €500.000
Partial or full early withdrawal is not permitted. Available exclusively for new deposits from new or existing customers.
Early Mobilisation (1)
Term
24 months
GNAR
2,75%
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
Semi-annual Mobilization (2)
Term
24 months
GNAR
2,75%
Interest payment
Semi-annually
Amount of Investment
from €50.000 to €500.000
Exclusive to new deposits from new or existing customers.
(1) Allows for early withdrawal, either partial or in full, at any time. Early withdrawal to the deposit entails a penalty on interest not yet accrued, calculated on the amount withdrawn according to the number of days elapsed since the start date of the deposit.
(2) Allows early withdrawal (partial or total) only on interest payment dates (semi annual), subject to seven (7) days’ prior notice.
Withdrawable Term Deposits
TERM
GNAR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
TERM
GNAR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
Early mobilization, either partial or total, is permitted. If redemption occurs on the interest payment date, no penalty will apply. At any other time, a penalty will apply to the interest corresponding to the relevant semester on the redeemed amount.
Non-withdrawable Term Deposits
TERM
GNAR
Interest payment
Semi-annually
Amount of Investment
from €50.000 to €500.000
TERM
GNAR
Pagamento de juros
Semestral
Amount of Investment
from €50.000 to €500.000
Early mobilization, whether partial or total, is not permitted.
Open your account online easily, quickly, and securely, wherever and whenever you wish.
Access Banco Finantia’s deposits and other investment solutions, with specialised support and investment options tailored to your needs.
Your bank, just a click away.
Why choose our deposits?
Soluções conservadoras de investimento, com vencimentos definidos e retornos previsíveis.
Juros atrativos em relação às soluções disponíveis no mercado.
Soluções com diferentes prazos de vencimento, projetadas para corresponder ao seu horizonte de tempo financeiro.
Processo de assinatura por meio de plataformas digitais ou com suporte especializado de nossos gerentes de conta.
Frequently Asked Questions
Before marketing a deposit, we provide you with a Standardised Information Sheet, in the case of simple deposits, or an information prospectus, in the case of indexed or dual deposits, setting out the main characteristics of the deposit you intend to contract.
All characteristics set out in the Standardised Information Sheet and in the information prospectus are also included in the deposit contract, which is delivered to you at the time of subscription.
The Deposit Guarantee Fund (DGF) guarantees the reimbursement of the total amount of your deposits held with each credit institution, up to a maximum limit of €100,000 per depositor, considering the overall balance held with the same bank.
At the time of subscribing to a deposit, we provide you with the Depositor Information Form (DIF), which indicates the protection applicable to the deposit and whether it is eligible for coverage by the DGF. This information is also included in account statements, with the form being made available at least once a year.
Learn more about the Deposit Guarantee Fund here.
Yes. Yes. As a participating bank in the Deposit Guarantee Fund (DGF), deposits placed with Banco Finantia are covered by the guarantee provided by the DGF, in accordance with the applicable regulations.
The minimum amount required to place a term deposit with Banco Finantia is €50,000.
Term deposits may be placed in euros or US dollars.
Interest is paid by credit to the associated current account, with the relevant credit being made on the maturity date itself.
The interest earned is credited to the current account and becomes fully available in the client’s account.
This depends on the type of deposit contracted. Deposits with possibility of withdrawal allow for early mobilization, either partial or total, deposits that don’t offer that possibility may not allow mobilization prior to maturity.
In the case of early mobilization deposits, if mobilization occurs on the interest payment date, no penalty applies. At any other time, early mobilization implies the total forfeiture of interest for the period corresponding to the redeemed capital.
Deposits at Banco Finantia do not capitalise interest.
No. Term deposits do not allow for additional contributions, except by agreement between the parties.
Income from a term deposit is classified as investment income and is subject to withholding tax at a rate of 28%, with a final nature for Personal Income Tax (IRS) purposes and as a payment on account for Corporate Income Tax (IRC) purposes.
This tax framework corresponds to the regime in force at the start of the subscription period and may change during the term of the deposit. The regime described does not prejudice the application of any double taxation agreements applicable to entities not resident in Portugal and does not dispense consultation of the applicable legislation.
If you have any further questions about Banco Finantia, please consult the dedicated Frequently Asked Questions page.
