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Time Deposit for Businesses

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A Time Deposit is a termed money deposit placed by the customer in the Bank for a fixed and agreed period of time, which may last one or two weeks, one month, three months, six months, nine months, one year, two years, as well as three years only for deposits in Lek and Euro currency.
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To corporate customers Intesa Sanpaolo Bank Albania offers flexible term and rate deposits, so that you can invest in short-term excess liquidity efficiently. The bank offers deposits in different currencies such as LEK, EUR, USD and GBP.
 
Two types of deposits:

  • Rollover (with interest capitalized or not capitalized)
  • Not-rollover (the deposit amount and the interest on the maturity date of the Time Deposits, will be credited automatically to the current account of the customer. 

The interest rates are indicated in the Interest Rates table, which can be updated without prior notification from the Bank. The interest is calculated on the annual bases.
 
Advantages of a Time Deposit

  • Can be managed through the current account;
  • Band interest rate based on the amount;
  • Opportunity to choose the fixed term: 1, 3, 6, 12, 24 and 36 months; (the 3 Years Deposit is available only in Euro and Lek currency)
  • It is possible to open a term deposit also for a fixed term shorter than 30 days;
  • Opportunity to agree on an individual fixed term;
  • Opportunity to add funds on the account during the agreed fixed term;
  • Each deposit, both opening and additional, is registered as an individual deposit on the account and individual interest rate is applied, until the nearest maturity when the deposits merge;
  • On the maturity date of the deposit, this deposit can be automatically renewed (for the same amount or not, as per the special instruction of the customer).

Aditional Information:

  • Interest Rate Table (Home page, bottom right ) 

 

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