Depozitul bancar este un instrument financiar care iti permite sa economisesti si sa obtii profit de pe urma banilor pusi deoparte. Costurile deschiderii unui astfel de depozit sunt de obicei zero, insa, in functie de banca si de produsul ales, pot exista comisioane de mentenanta sau de retragere a sumelor disponibile.
Ce este un depozit bancar
Cum deschizi un depozit la termen
Avantajele unui depozit online
Ce este un depozit bancar
Depozitul bancar este un produs care te ajuta sa iti tii banii in siguranta si sa-ti multiplici economiile.
Caracteristici generale ale unui depozit bancar
Depozitul bancar se caracterizeaza prin urmatoarele:
Suma depusa de tine va acumula o dobanda proportionata cu scadenta aleasa;
Dobanda poate fi variabila sau fixa;
Banii sunt asigurati in limita a 100.000 de euro.
Cum deschizi un depozit la termen
Deschiderea unui depozit la termen este o procedura destul de simpla. Tot ce ai de facut este sa respecti conditiile impuse de institutia financiara si sa urmezi pasii necesari.
Conditii
Fie ca alegi sa economisesti cu ajutorul unui depozit bancar clasic sau optezi sa aplici online, trebuie doar sa ai cartea de identitate valabila.
Procedura
Daca doresti sa iti deschizi un depozit online la TBI Bank, procedura este una simpla si rapida. Tot ce ai de facut este sa urmezi pasii de mai jos:
Acceseaza formularul pentru deschiderea depozitului;
Selecteaza suma depozitului, perioada si optiunea de retragere preferata la scadenta;
Inregistreaza adresa de email si o parola pe care le vei folosi pentru accesul in platforma;
Citeste si accepta termenii si conditiile;
Ofera date personale si de contact;
Incarca o poza lizibila a cartii de identitate;
Confirma cererea prin intermediul codului unic primit prin SMS.
Dupa aprobarea cererii, se face transferul sumei din contul tau deschis la orice alta banca din Romania in contul IBAN al depozitului. Dupa incasarea sumei in contul de depozit online, depozitul va fi constituit automat, iar contractul de depozit iti va fi transmis prin email.
Avantajele unui depozit online
Desi exista mai multe tipuri de instrumente financiare, expertii cred ca deschiderea unui depozit la termen este printre cele mai sigure. In special in aceasta perioada, depozitul online poate fi o solutie foarte rapida si accesibila cu ajutorul careia sa iti rotunjesti veniturile. Mai jos sunt principalele beneficii ale unui depozit online deschis la TBI Bank:
Sumele depuse sunt asigurate in limita echivalentului a 100.000 de euro/deponent;
Ai dobanzi competitive de pana la 5.5% si asistenta 1 la 1 pe tot parcursul colaborarii;
Eviti formalitatile necesare pentru reinnoirea depozitului la scadenta daca optezi de la inceput pentru prelungirea automata si capitalizarea dobanzii;
Ai ZERO taxe si comisioane pentru deschiderea, administrarea sau retragerea sumelor din depozit in numerar sau prin transfer bancar.
Dobanda anuala fixa iti ofera sansa unui profit garantat pe toata perioada depozitului, indiferent de evolutia ulterioara a dobanzilor;
Te bucuri de o gama larga de scadente (de la 1 la 36 de luni);
Ai oricand acces la bani prin lichidarea anticipata a depozitului pentru care beneficiezi de o dobanda egala cu cea practicata la contul curent standard;
Este o forma mult mai sigura de economisire decat metode de tipul „bani la saltea”. Pastrarea banilor in casa atrage dupa sine riscul de a fi furati sau chiar pierderea lor in cazul unui eveniment nefericit. Existenta unui depozit online reprezinta, in acest context, o forma sigura de pastrare a banilor;
Scapi de grija platii impozitului pe venitul din dobanzi – acesta se transfera automat la ANAF fara a fi nevoie sa pierzi timp.
Crearea din timp a unui depozit la termen poate fi utila, mai ales daca vrei sa pui bani deoparte pentru anul sabatic din viata ta, batraneti linistite sau confort financiar sporit. In plus, poti beneficia de dobanzi cu adevarat atractive pentru economiile tale in lei, daca alegi sa deschizi un depozit online pe care-l vei putea administra usor, din confortul propriei locuinte.
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