Term Deposit

Motivate your savings!

Your savings can easily work for you, bringing you a guaranteed annual yield of up to 1.00 for BGN and EUR. You have an opportunity to deposit for a period of 1 month up to 3 years.

Our current offers

BGN	12 months 0.50%	24 months 0.90%	36 months 1.00%
EUR	12 months 0.50%	24 months 0.90%	36 months 1.00%
USD	12 months 0.50%	24 months 0.70%	36 months 0.80%

See all tenors

Better terms for your money

HIGH YIELD
Among the best interest rates on the market and no fees for deposit opening, maintenance and withdrawal on maturity date.

FLEXIBILITY
Diverse deposit tenors in BGN, EUR and USD, as well as top-up possibility up to thirty days after deposit opening. No minimum amount for deposit opening required.

SECURITY
Deposited money and accrued interest are guaranteed under the Bank Deposit Insurance Act.

CONVENIENCE
Automatic renewal for the same tenor and possibility to monitor the deposit account at no extra cost in TBI Bank’s online banking system.

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Your money is protected

The funds of the holder up to 196, 000 BGN in a TBI Bank account, accepted as a deposit under the Bank’s terms and conditions, including accrued interest, are protected by the Deposit Insurance Fund in the Bank under the Deposit Insurance in Banks Act.

Applicable Documents

Q&A about Deposits Guarantee	Download pdfformat
Fee information document for Deposit account	Download pdfformat
General terms & conditions on providing of payment services for individuals	Download pdfformat
TBI Bank EAD product specifications for deposits in EUR brokered via the WeltSparen Internet Platform	Download pdfformat
Interest rates bulletin of TBI Bank EAD for individuals 29.01.2021	Download pdfformat
Standard Tariff for Charges and Commissions of TBI Bank for Individuals 2021	Download pdfformat

— Announcements

02/25/21

Pāvels Gilodo joins us as a new member of the Management Board, responsible for Digital Retail Lending

— In the press

02/19/21

Petr Baron for Manager Magazine: The game is changing. A new generation of bankers is coming.

— Announcements

02/17/21

Together with Onfido we are reducing customer onboarding time by 67%

Interest Rates

BGN	1 month 0.15%	3 months 0.25%	6 months 0.35%	9 months 0.40%	12 months 0.50%	18 months 0.70%	24 months 0.90%	36 months 1.00%
EUR	1 month 0.15%	3 months 0.25%	6 months 0.35%	9 months 0.40%	12 months 0.50%	18 months 0.70%	24 months 0.90%	36 months 1.00%
USD	1 month 0.20%	3 months 0.25%	6 months 0.35%	9 months 0.40%	12 months 0.50%	18 months 0.60%	24 months 0.70%	36 months 0.80%

Your funds are guaranteed

The funds deposited, up to BGN 196,000, on an account with TBI Bank, accepted on deposit under the conditions announced by the Bank, including the accrued interest are protected by the Bank Deposits Guarantee Fund under the terms of the Bank Deposits Guarantee Act
The additional placed amounts on a term deposit in BGN, EUR and USD shall bear interest at the interest rate which was initially agreed in the deposit contract
The Bank shall reserve the right to determine the future additional placed amounts, in accordance to Interest rates bulletin
For all deposits opened after 22.07.2019, depositor has the possibility to top-up his deposit up to 1 month after deposit opening

In all cases, when the Depositor wants to draw the funds on deposit in cash, the same shall send to the Bank a written request for this action at least two working days before the date of the withdrawal date

See our best offers

1. Are there any fees for opening and maintaining a deposit account?

TBI Bank does not charge fees for opening, maintaining, depositing or withdrawing from a deposit account on maturity date.

2. Can I deposit funds into the account after opening it?

Yes, you have the right to raise funds on the deposit within thirty days of its opening.

3. What happens if I cancel my deposit early?

Upon early withdrawal of the deposit, TBI Bank accrues interest at the annual interest rate in the amount stipulated for current accounts, in accordance with the effective interest rate bulletin, and you will not be charged for early termination.

4. Are the funds on my deposit account secured?

All cash amounting to BGN 196,000 or its equivalent in another currency is protected by the Bank Deposit Guarantee Fund under the Bank Deposit Insurance Act. More information can be found here.

5. What happens to my deposit on maturity?

In case additional instructions have not been provided, the deposit is automatically renewed for the same period equal to the term of the agreed deposit at the standard interest rate and conditions applicable at the renewal date.

6. How and when is the interest rate on my deposit deducted?

The tax is deducted before the due interest is paid and then transferred by the bank to the NRA.

— Announcements

02/25/21