Short-term flexibility
If you have cash surpluses that cannot be invested in long-term schemes, the fixed-term deposit is a flexible solution that offers secured, guaranteed returns.
A term deposit is a short-term investment where you lend funds to the bank for a predetermined period in exchange for a certain remuneration. All modalities are agreed at the moment the deal is closed. You know your return on investment in advance.
Periods generally range from one day to 12 months, but longer terms are also possible. The interest rate is based on actual market conditions and, once agreed, continues to apply until expiry – even if interest rates change during the life of the investment.