1/6
This number indicates the risk level of the product, where 1/6 represents the lowest risk and 6/6 the highest risk.
Banco Finantia S.A Sucursal en España is a member of the Portuguese Deposit Guarantee Fund, which guarantees deposits up to a limit of €100,000 per depositor and institution.
The rates offered apply to deposits with a minimum amount of €50,000.
Early withdrawal or cancellation is not permitted and may result in significant losses.
(This warning applies to Non-withdrawable Term Deposits)
Partial or full early withdrawal may be subject to fees or penalties.
(This warning applies to Withdrawable Term Deposits)
(This risk indicator applies to the term deposits and account promoted on this page)
Banco Finantia’s euro-denominated Term Deposits are designed for those seeking to invest their savings with discipline and a long-term perspective. With competitive interest rates and a range of available maturities, this solution enables structured money management with specialised support.
(1) 2,6500% / 2,65%
(2) 2,7364% / 2,70%
(3) 2,8263% / 2,75%
(4) 3,0909% / 3,00%
12 months
18 months
24 months
36 months
Maturity
Maturity
Maturity
Maturity
from €50.000 to €500.000
from €50.000 to €500.000
from €50.000 to €500.000
from €50.000 to €500.000
Exclusive to new funds. Early withdrawal is not permitted.
Non-withdrawable Term Deposits
TERM
APR
2,7000% NIR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
(5)
TERM
APR
2,7181% NIR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
(6)
TERM
APR
2,7364% NIR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
(7)
Early withdrawal is not permitted.
Withdrawable Term Deposits
TERM
APR
2,5000% NIR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
(8)
TERM
APR
2,5156% NIR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
(9)
TERM
APR
2,5313% NIR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
(10)
TERM
APR
2,7736% NIR
Interest Payment
Maturity
Amount of Investment
from €50.000 to €500.000
(11)
Banco Finantia S.A Sucursal en España may allow early cancellation upon the client’s specific and individual request.
In the event of early cancellation, a penalty corresponding to 100% of the interest accrued up to that moment will apply to all promoted terms.
The deposits offered are valid until August 30.
Banco Finantia is a member of the Portuguese Deposit Guarantee Fund, which protects deposits in accordance with the terms and limits established under the applicable legislation.
(1) Representative example: For a 12-month fixed-term deposit with a balance of €50,000, with an TAE of 2.90% and a TNA of 2.9000%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €1450,00 gross. The corresponding withholding tax will be applied to the gross interest.
(2) Representative example: For a 18-month fixed-term deposit with a balance of €50,000, with an TAE of 3.00% and a TNA of 3.0224%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €2266,80 gross. The corresponding withholding tax will be applied to the gross interest.
(3) Representative example: For a 24-month fixed-term deposit with a balance of €50,000, with an TAE of 3.00% and a TNA of 3.0450%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €3045,0 gross. The corresponding withholding tax will be applied to the gross interest.
(4) Representative example: For a 36-month fixed-term deposit with a balance of €50,000, with an TAE of 3.00% and a TNA of 3.0909%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €4636,35 gross. The corresponding withholding tax will be applied to the gross interest.
(5) Representative example: For a 12-month fixed-term deposit with a balance of €50,000, with an TAE of 2.70% and a TNA of 2.7000%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €1350,00 gross. The corresponding withholding tax will be applied to the gross interest.
(6) Representative example: For an 18-month fixed-term deposit with a balance of €50,000, with an TAE of 2,70% and a TNA of 2,7181%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €2038,58 gross. The corresponding withholding tax will be applied to the gross interest.
(7) Representative example: For a 24-month fixed-term deposit with a balance of €50,000, with an TAE of 2.70% and a TNA of 2.7364%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €2736.40 gross. The corresponding withholding tax will be applied to the gross interest.
(8) Representative example: For a 12-month fixed-term deposit with a balance of €50,000, with an TAE of 2.50% and a TNA of 2.5000%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €1250.00 gross. The corresponding withholding tax will be applied to the gross interest.
(9) Representative example: For an 18-month fixed-term deposit with a balance of €50,000, with an TAE of 2.50% and a TNA of 2.5156%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €1886,70 gross. The corresponding withholding tax will be applied to the gross interest.
(10) Representative example: For a 24-month fixed-term deposit with a balance of €50,000, with an TAE of 2.50% and a TNA of 2.5313%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €2531.25 gross. The corresponding withholding tax will be applied to the gross interest.
(11) Representative example: For a 36-month fixed-term deposit with a balance of €50,000, with an TAE of 2.70% and a TNA of 2.7736%, the interest paid at maturity, assuming the balance is maintained throughout the term of the deposit, would be €4160.40 gross. The corresponding withholding tax will be applied to the gross interest.
TERM DEPOSITS
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Why choose our deposits?
Conservative investment solutions, with defined maturities and predictable returns.
Check the terms and conditions and the return on each deposit clearly
Soluciones con diferentes vencimientos, adaptadas a su horizonte financiero
Contracting process via digital platforms or with specialist support from our account managers
Frequently Asked Questions
Before marketing a deposit, we provide you with a Standardised Information Sheet, in the case of simple deposits, or an information prospectus, in the case of indexed or dual deposits, setting out the main characteristics of the deposit you intend to contract.
All characteristics set out in the Standardised Information Sheet and in the information prospectus are also included in the deposit contract, which is delivered to you at the time of subscription.
The Deposit Guarantee Fund (DGF) guarantees the reimbursement of the total amount of your deposits held with each credit institution, up to a maximum limit of €100,000 per depositor, considering the overall balance held with the same bank.
At the time of subscribing to a deposit, we provide you with the Depositor Information Form (DIF), which indicates the protection applicable to the deposit and whether it is eligible for coverage by the DGF. This information is also included in account statements, with the form being made available at least once a year.
Learn more about the Deposit Guarantee Fund here.
Yes. Yes. As a participating bank in the Deposit Guarantee Fund (DGF), deposits placed with Banco Finantia S.A Sucursal en España are covered by the guarantee provided by the DGF, in accordance with the applicable regulations.
The minimum amount required to place a term deposit with Banco Finantia is €50,000.
Interest is calculated by applying the Nominal Interest Rate (NIR) applicable to the deposit to the amount invested for the agreed term. Interest is credited to the associated current account on the maturity date. Deposits do not capitalise interest during their term.
The interest earned is credited to the current account and becomes fully available in the client’s account.
It depends on the type of deposit contracted. Withdrawable term deposits allow for early withdrawal, either in full or in part, whereas non-withdrawable term deposits cannot be withdrawn before maturity.
For withdrawable term deposits, early withdrawal results in the total loss of the interest accrued on the amount withdrawn.
Deposits at Banco Finantia do not capitalise interest during their term. Upon maturity, the interest is credited to the associated current account and the customer may reinvest both the principal and the interest earned in a new deposit.
No. Term deposits do not allow for additional contributions, except by agreement between the parties.
Income from a term deposit is classified as investment income and is subject to withholding tax at a rate of 28%, with a final nature for Personal Income Tax (IRS) purposes and as a payment on account for Corporate Income Tax (IRC) purposes.
This tax framework corresponds to the regime in force at the start of the subscription period and may change during the term of the deposit. The regime described does not prejudice the application of any double taxation agreements applicable to entities not resident in Portugal and does not dispense consultation of the applicable legislation.
If you have any further questions about Banco Finantia, please consult the dedicated Frequently Asked Questions page.
