{"id":6732,"date":"2025-11-05T19:59:50","date_gmt":"2025-11-05T19:59:50","guid":{"rendered":"http:\/\/213.146.202.110\/?page_id=6732"},"modified":"2026-10-08T08:55:02","modified_gmt":"2026-10-08T08:55:02","slug":"term-deposits-in-eur","status":"publish","type":"page","link":"https:\/\/www.finantia.com\/en\/private-banking\/term-deposits-in-eur\/","title":{"rendered":"Term Deposits in EUR"},"content":{"rendered":"\t\t

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Term Deposits in EUR<\/h1>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Banco Finantia\u2019s euro-denominated Term Deposits<\/strong> 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 \u20ac100,000 per depositor, deposits benefit from the repayment guarantee provided by the Deposit Guarantee Fund<\/a>, in accordance with the applicable legislation<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Featured Deposits<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t $\"\"$ \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t
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6 month term<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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GNAR
\n<\/strong>2,70%<\/p>\n
Interest Payment<\/strong>
Maturity<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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12 month Term<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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GNAR
\n<\/strong>3,00%<\/p>\n
Interest payment<\/strong>
Semi-annually<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Partial or full early withdrawal is not permitted. Available exclusively for new deposits from new or existing customers.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t $\"\"$ \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t
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Early Mobilisation (1)<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Term
\n<\/strong>24 months<\/p>\n
GNAR
\n<\/strong>2,90%<\/p>\n
Interest Payment<\/strong>
Maturity<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Semi-annual Mobilization (2)<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Term
\n<\/strong>24 months<\/p>\n
GNAR
\n<\/strong>2,90%<\/p>\n
Interest payment<\/strong>
Semi-annually<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Exclusive to new deposits from new or existing customers.<\/p>\n
(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.<\/p>\n
(2) Allows early withdrawal (partial or total) only on interest payment dates (semi annual), subject to seven (7) days\u2019 prior notice.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Withdrawable Term Deposits<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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TERM<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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6 months<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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2,30%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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GNAR<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Interest Payment<\/strong>
Maturity<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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TERM<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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12 months<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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2,55%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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GNAR<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Interest Payment<\/strong>
Maturity<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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TERM<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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24 months<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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2,60%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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GNAR<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Interest Payment<\/strong>
Maturity<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Non-withdrawable Term Deposits<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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TERM<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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6 months<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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2,55%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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GNAR<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Interest Payment<\/strong>
Maturity<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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TERM<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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12 months<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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2,80%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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GNAR<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Interest payment<\/strong>
Semi-annually<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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TERM<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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24 months<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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2,75%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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GNAR<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Interest payment
\n<\/strong>Semi-annually<\/p>\n
Amount of Investment
\n<\/strong>from \u20ac50.000 to \u20ac500.000<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tSTS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tMORE INFO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Early mobilization, whether partial or total, is not permitted.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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USEFUL INFORMATION<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Explore more<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t \n\t\t\t\t\t\t\tSimulate your fixed-term deposit\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t \n\t\t\t\t\t\t\tSee our range of USD fixed-term deposits\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t \n\t\t\t\t\t\t\tOpen your term deposit via FinantiaNet\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t \n\t\t\t\t\t\t\tLearn more about the Deposit Guarantee Fund\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Open your account online<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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The process is simple, fast, and hassle-free.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Open your account online easily, quickly, and securely, wherever and whenever you wish.
Access Banco Finantia\u2019s deposits and other investment solutions<\/strong>, with specialised support and investment options tailored to your needs.<\/p>\n
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Your bank, just a click away.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tOpen Account<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Why choose our deposits?<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tStability\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tConservative investment solutions, with defined maturities and predictable returns\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tCompetitive returns\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tAttractive interest rates compared to the solutions available on the market\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tFlexible maturities\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tSolutions with different maturities, designed to match your financial time horizon\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tSimplicity\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tSubscription process via digital platforms or with specialised support from our account managers\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Frequently Asked Questions<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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How can I know whether an investment is a deposit? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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Before marketing a deposit, we provide you with a Standardised Information Sheet<\/strong>, in the case of simple deposits<\/strong>, or an information prospectus<\/strong>, in the case of indexed or dual deposits<\/strong>, setting out the main characteristics of the deposit you intend to contract.<\/p>\n
All characteristics set out in the Standardised Information Sheet and in the information prospectus are also included in the deposit contract<\/strong>, which is delivered to you at the time of subscription.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Does the Deposit Guarantee Fund (DGF) guarantee my capital? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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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 \u20ac100,000 per depositor<\/strong>, considering the overall balance held with the same bank.<\/p>\n
At the time of subscribing to a deposit, we provide you with the Depositor Information Form (DIF)<\/strong>, which indicates the protection applicable to the deposit and whether it is eligible for coverage by the DGF<\/strong>. This information is also included in account statements, with the form being made available at least once a year<\/strong>.<\/p>\n
Learn more about the Deposit Guarantee Fund here<\/a>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Are deposits placed with Banco Finantia covered by the DGF guarantee? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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Yes. Yes. As a participating bank in the Deposit Guarantee Fund (DGF)<\/strong>, deposits placed with Banco Finantia are covered by the guarantee provided by the DGF<\/strong>, in accordance with the applicable regulations.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What is the minimum amount required to place a term deposit? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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The minimum amount required to place a term deposit with Banco Finantia is \u20ac50,000<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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In which currencies can term deposits be placed? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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Term deposits may be placed in euros or US dollars<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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How are interest amounts calculated and paid? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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Interest is paid by credit to the associated current account<\/strong>, with the relevant credit being made on the maturity date itself<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What happens to the interest earned on a term deposit? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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The interest earned is credited to the current account<\/strong> and becomes fully available in the client\u2019s account.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Can I redeem a deposit at any time? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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This depends on the type of deposit contracted. Deposits with possibility of withdrawal allow for early mobilization<\/strong>, either partial or total, deposits that don’t offer that possibility may not allow mobilization prior to maturity<\/strong>.<\/p>\n
In the case of early mobilization deposits<\/strong>, 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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Can interest on a term deposit be capitalised? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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Deposits at Banco Finantia do not capitalise interest.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Can I increase the amount of my existing deposit? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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No. Term deposits do not allow for additional contributions<\/strong>, except by agreement between the parties.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What taxation applies to my term deposit? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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Income from a term deposit<\/strong> is classified as investment income<\/strong> and is subject to withholding tax at a rate of 28%,<\/strong> with a final nature for Personal Income Tax (IRS) purposes and as a payment on account for Corporate Income Tax (IRC) purposes.<\/p>\n
This tax framework corresponds to the regime in force at the start of the subscription period<\/strong> 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<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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If you have any further questions about Banco Finantia, please consult the dedicated Frequently Asked Questions<\/a> page.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Contact us<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tName\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tLocation\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tMobile\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-privacy_policy elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[privacy_policy]\" id=\"form-field-privacy_policy\" class=\"elementor-field elementor-size-sm elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-privacy_policy\">I have read Banco Finantia\u2019s <a href=\"https:\/\/www.finantia.com\/en\/privacy-policy\/\" target=\"_blank\">Privacy Policy<\/a>.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-consentimento_contacto elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[consentimento_contacto]\" id=\"form-field-consentimento_contacto\" class=\"elementor-field elementor-size-sm elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-consentimento_contacto\">I give my consent for Banco Finantia to contact me by mobile phone and by email.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-html elementor-field-group elementor-column elementor-field-group-field_e5289bb elementor-col-100\">\n\t\t\t\t\t<p align=\"justify\">Your personal data will be processed by Banco Finantia, S.A. for the purpose of providing you with information about its products and services and will be retained until you decide to request the cessation of any further contact, which you may do at any time. You have the right to request access to the personal data provided, as well as to request its rectification or erasure, and to request the restriction of processing or to object to such processing. Notwithstanding the technical and organisational measures adopted by Banco Finantia, the transmission of personal data over open networks increases the risk of unauthorised access. Data subjects should therefore ensure that they use reliable equipment, software and networks.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text\">\n\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[byebots]\" id=\"form-field-byebots\" class=\"elementor-field elementor-size-sm \" style=\"display:none !important;\">\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-recaptcha elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-recaptcha\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6Lc9erAtAAAAAFSX6EjUtKZmdaXTyXXmpmwIN9Yt\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm elementor-animation-float\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Submit<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<input type='hidden' name='lang' value='en' \/><\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Term Deposits in EUR Banco Finantia\u2019s 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 \u20ac100,000 per depositor, deposits benefit from the repayment guarantee provided by […]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":6721,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-6732","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages\/6732","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/comments?post=6732"}],"version-history":[{"count":74,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages\/6732\/revisions"}],"predecessor-version":[{"id":13907,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages\/6732\/revisions\/13907"}],"up":[{"embeddable":true,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages\/6721"}],"wp:attachment":[{"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/media?parent=6732"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}