OTP Bank

Horizon Deposit with Escalating Interest

Horizon deposit is an agreement between the bank and the client for a certain amount, for a certain term (5 or 7 years), for a certain currency and with an interest rate (fixed or escalating) determined according to the working conditions in force at the moment of opening the deposit.


  • Interest rates that increase every year;
  • Earn interest each year on your account;
  • Opportunity to withdraw your funds at any time you want, taking advantage of the interests of previous years

General conditions

  • The deposit is offered in ALL
  • Minimum amount: 100,000 ALL
  • Maximum amount: The client is free to deposit the amount he wants at the moment of opening the deposit
  • Maturity: 5 and 7 years

Interest rates:

Year I Year II Year III Year IV Year V  Year VI  Year VII
5 Years 1.10% 1.50% 2.00% 2.90% 5.50%
7 Years 1.00% 1.90% 2.00% 3.50% 4.30% 5.40% 7.10%

Deposits of individual clients, traders and companies in OTP Bank Albania are secured up to the amount of 2, 500,000 ALL (two million five hundred thousand) by the Deposit Insurance Agency – http://asd.gov.al.

Documents required for opening a Horizon deposit with escalating interest rate:

  • Passport or Identity Card