Your savings can provide ongoing returns without compromising flexibility. The Optimal Deposit allows you to earn regular monthly interest while keeping your invested capital secure and giving you greater control over your funds. It is a practical solution for managing your savings and generating periodic income throughout the year.
Why choose this deposit?
If you want your savings to generate regular income, the Optimal Deposit is the right choice. Its flexible structure allows you to benefit from your invested capital and the interest earned in accordance with the deposit terms. It is an ideal solution if you value liquidity, convenience, and the security of your savings.
What should you know?
- The deposit term is 1 year.
- Interest is credited to your account every month.
- Automatic renewal is available at maturity.
- Only full withdrawals of funds are permitted.
- The deposit may be held by one or more persons.
|
Currency |
Deposit amount |
Interest rate |
|
LEK |
Up to 5,000,000 |
0.35% |
|
5,000,001 – 10,000,000 |
0.4% |
|
|
Over 10,000,000 |
0.45% |
|
|
EUR |
Over 500 |
0.1% |
|
USD |
Up to 1,000,000 |
0.2% |
|
Over 1,000,000 |
0.25% |
What do you need?
A valid ID card or passport.
Deposit terms:
- The minimum amount required to open the deposit is ALL 50,000 or EUR 500.
- The deposit is available to both existing and new customers.
- The deposit may be funded only at the time of opening; no additional funds may be added during its term.
- Partial withdrawals are not permitted. If you wish to withdraw part of the funds, the deposit must be closed in full.
*Deposits of individual customers with OTP Bank are insured up to ALL 2,500,000 (two million five hundred thousand) by the Albanian Deposit Insurance Agency – http://asd.gov.al
Documentation
- Passport or Identity Card