tbi bank has launched a new savings offer for individual customers, providing interest rates of up to 7% per year on deposits in Romanian lei and introducing a mechanism that allows customers to retain part of the accrued interest if they withdraw funds before maturity.

The offer positions the bank among the leading players in the local deposit market at a time when financial institutions are seeking to attract household savings amid growing competition for resources and increasing customer interest in higher returns.

The new interest rate schedule provides returns of 6.5% for one-month deposits, 6.7% for three-month deposits, 6.9% for five-month deposits, and 7% for maturities of six, nine, and twelve months. The bank also offers a euro-denominated deposit with an annual interest rate of 2.5% for a three-month term.

The feature that differentiates this offer is the flexibility granted to customers who choose to withdraw their funds before maturity. Under a promotional campaign valid until the end of July 2026, depositors will retain 50% of the interest accrued up to the date of deposit liquidation. Typically, most similar products on the market require customers to forfeit all accumulated interest in the event of an early withdrawal.

The strategy reflects a shift in the savings market, where quick access to liquidity is becoming nearly as important as the interest rate itself. In an economic environment marked by uncertainty and a growing need for financial flexibility, banks are increasingly seeking solutions that combine attractive returns with less restrictive conditions for customers.

For tbi bank, this initiative represents an effort to differentiate itself in a segment where competition for household savings remains intense and customer decisions are increasingly influenced by the balance between profitability and accessibility of funds.