Standard Term Deposit
Savings with a fixed rate for the agreed term.
Intesa Sanpaolo Bank Albania
Provider: Directly by the bank. No sponsored placement.
Your product context
Calculate with this product →Fees, conditions and use
- Deposit interest and terms
- Bulletin dated 24 September 2026; rate by currency, balance and term. Paid at maturity, annually for 36 months; 365-day basis. Source ↗
- Early withdrawal
- Only full early closure is allowed. Accrued interest is normally forfeited. For 36 months: year one pays no interest; first half of year two retains 50% of year-one interest, second half 100%; first half of year three retains year one plus 50% of year two, second half retains years one and two. Current-year interest is forfeited. Source ↗
- Renewal and fee
- Renew principal only or principal plus net interest at the new maturity-date rate. Renewal fee ALL 100/EUR 1/USD 1. The 36-month term pays interest annually. Source ↗
- Criteria and documents
- Valid ID/passport; branch opening under the terms. Standard-deposit top-ups are only made at maturity. Source ↗
Benefits and limitations
✓ Terms from 3–36 months depending on currency
✓ Fixed rate for the agreed term
Large balances have negotiable rates requiring confirmation; the 3% ALL new-money offer is a separate product.
| Currencies | ALL, EUR, USD |
|---|---|
| Minimum term (months) | 3 |
| Maximum term (months) | 36 |
| Interest payout | Në maturim; për 36 muaj çdo vit / At maturity; annually for 36 months |
| Early withdrawal | Mbyllje e plotë; humbje interesi me përjashtimet 36-mujore më sipër / Full closure; interest forfeited subject to the 36-month exceptions above |
| Renewal | Opsional, normat në maturim; komision 100 ALL / 1 EUR / 1 USD |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLGross annual rate | — – 2,499,999 | 3 | 0.7%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | — – 2,499,999 | 6 | 0.9%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | — – 2,499,999 | 12 | 1.35%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | — – 2,499,999 | 24 | 1.75%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | — – 2,499,999 | 36 | 2.05%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 2,500,000 – 4,999,999 | 3 | 0.85%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 2,500,000 – 4,999,999 | 6 | 1%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 2,500,000 – 4,999,999 | 12 | 1.4%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 2,500,000 – 4,999,999 | 24 | 1.8%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 2,500,000 – 4,999,999 | 36 | 2.2%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – 9,999,999 | 3 | 0.9%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – 9,999,999 | 6 | 1.1%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – 9,999,999 | 12 | 1.55%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – 9,999,999 | 24 | 1.9%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – 9,999,999 | 36 | 2.3%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | — – 24,999 | 3 | 0.2%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | — – 24,999 | 6 | 0.35%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | — – 24,999 | 12 | 0.7%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | — – 24,999 | 24 | 0.8%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | — – 24,999 | 36 | 0.95%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 25,000 – 49,999 | 3 | 0.3%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 25,000 – 49,999 | 6 | 0.45%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 25,000 – 49,999 | 12 | 0.75%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 25,000 – 49,999 | 24 | 0.95%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 25,000 – 49,999 | 36 | 1.1%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 50,000 – 99,999 | 3 | 0.35%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 50,000 – 99,999 | 6 | 0.5%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 50,000 – 99,999 | 12 | 0.85%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 50,000 – 99,999 | 24 | 1.05%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 50,000 – 99,999 | 36 | 1.2%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | — – 24,999 | 3 | 0.55%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | — – 24,999 | 6 | 0.8%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | — – 24,999 | 12 | 1.2%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | — – 24,999 | 24 | 1.45%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | — – 24,999 | 36 | 1.6%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 25,000 – 49,999 | 3 | 0.65%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 25,000 – 49,999 | 6 | 1%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 25,000 – 49,999 | 12 | 1.4%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 25,000 – 49,999 | 24 | 1.75%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 25,000 – 49,999 | 36 | 1.8%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 50,000 – 99,999 | 3 | 0.75%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 50,000 – 99,999 | 6 | 1%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 50,000 – 99,999 | 12 | 1.6%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 50,000 – 99,999 | 24 | 1.95%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 50,000 – 99,999 | 36 | 2%Gross rate before tax; term and amount must match the band. |
Official sources and supporting terms
Product page on the bank’s website ↗
Intesa · Normat e depozitave · shtator 2026 ↗Reviewed pages: 1
Karakteristikat e Plota - Depozita me Afat ↗Reviewed pages: 1, 2, 3