AB Special Deposit
GNAR 3,00% | NNAR 2,16%

Term 90 days, renewable at the standard rate of 0.25%

Thinking about the future? Simplify.

Set-up

Set-up minimum per Deposit: €500

Set-up maximum per Deposit: without limit | Term: 90 days, not renewable | Reinforcements are not allowed | Early mobilization allowed, partial or total, at any moment during the duration of the Term Deposit, with a penalty of 100% applied to the interest on the amount withdrawn.​

Normalized Information Sheet

Options for Term Deposits and Savings

Choose the solution that best suits your needs

See all

Term 3 months

Term 6 months

Indexed Rate

Allows Reinforcements

New Clients

Deposit

AB Special

Special Deposit AB

Thinking about the future? Simplify.

Interest rate

3,0%

Term

90 days

Set-up minimum

500€

Deposit

Exclusive App

Exclusive App Deposit

For the most digital Clients

Interest rate

3,10%

Term

180 days

Set-up minimum

5 000€

Deposit

Aforro Activo

Activo Savings Deposit

Certificate of a simpler future

Interest rate

until 2,75%

Term

5 years

Set-up minimum

100€

Deposit

AB New Clients

New Clients Deposit AB

For those who have just started to simplify

Interest rate

3,25%

Term

90 days

Set-up minimum

500€

Deposit

New AB Salary

New AB Salary Deposit​

For Salary domiciliations since 1/01/2024

Interest rate

3,25%

Term

90 days

Set-up minimum

100€

Deposit

New Money

New Money Deposit​

For clients who increase their resources

Interest rate

3,25%

Term

90 days

Set-up minimum

20 000€​

Savings

Salary AB

Salary Savings AB

There are advantages to domiciling your salary

Interest rate

2,5%

Term

30 days

Set-up minimum

25€

Savings

Escolha a Prazo

Choose Your Term Savings

For a more flexible option

Interest rate

1,25% to 1,50%

Term

From 1 to 365 days

Set-up minimum

1€

More savings solutions

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Structured Deposits

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Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Do Term Deposits/Savings have guaranteed capital?​

Yes, the Deposit Guarantee Fund guarantees a refund of up to €100.000,000 per depositor.

Where will the interest be credited?

Interest will be credited on your associated Current Account.

Can I move the money before the end of the Deposit term?

It depends on the conditions of the Deposit/Savings. You should consult the “Early Withdrawl” section in the Normalized Information Sheet. ​

What are term deposits?

They are deposit solutions for a specific period, with the guarantee of receiving back the invested amount plus interest. These products are more suitable for those looking to invest their savings without risk, with guaranteed returns.

What is the difference between GNAR and NNAR?

The Gross Nominal Annual Interest Rate (GNAR) corresponds to the rate that remunerates term deposits without deducting income tax. On the other hand, the Net Nominal Annual Interest Rate (NNAR) already includes the withholding of income tax, reflecting the actual remuneration that the Client will receive.

How are interest rates calculated?

Interest rates are calculated daily on the capital invested and not disbursed at each moment, based on a year of 360 days and a reference of 30 days per month, without rounding.

In the case of a 6-month deposit, a GNAR of 3.5% will correspond to an effective rate of 1.75% (3.50% * (180/360)). This occurs because the investment corresponds to only half of the year. 

If I withdraw the deposit before the end of the term, will I receive the interest? 

No. In the event of early withdrawal, a penalty of 100% will be applied to the interest gathered on the mobilized amount for the respective period and not yet paid. However, the initial amount will be returned in full.

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