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Standard Term Deposit

Safe investment option, with a stable return at term:

  • ​Maturity: 30 days, 90 days, 180 ou 365 days.
  • Interest payment at maturity.
  • Minimum start amount: MZN 5.000.
  • Renewal at the applicable interest rate according with the Bank's Price Schedule at renewal date.
  • Mearly redemption permited with interest penalty.
  • More profitability for your company's liquidity with a safe investment!

    Interest Rate

    The interest rate is fixed from the start up to the maturity of the deposit and according to the invested amount:​


    Taxa de Juro Anual Nominal Bruta/Prazo

    Depósito a Prazo Standard

    30 Dias

    90 Dias

    180 Dias

    365 Dias

    Saldo MZN

     

     

    5.000 - 100.000

    1,00%

    0,75%

    1,00%

    0,25%

    100.001 - 500.000

    3,00%

    2,75%

    3,00%

    2,25%

    500.001 - 1.000.000

    5,00%

    4,75%

    5,00%

    4,25%

    Acima de 1.000.000

    7,00%

    6,75%

    7,00%

    6,25​%

    Saldo USD

     

     

    1.000 - 14.999

    0,10%

    0,13%

    0,16%

    0,19%

    15.000 - 100.000

    0,13%

    0,16%

    0,19%

    0,22%

    Acima de 100.000

    0,16%

    0,19%

    0,22%

    0,25%

    Saldo ZAR

     

     

    5.000 - 399.999

    0,10%

    0,75%

    1,40%

    2,05%

    400.000 - 700.000

    0,75%

    1,40%

    2,05%

    2,70%

    Acima de 700.000

    1,40%

    2,05%

    2,70%

    3,35%

    Saldo EUR

     

     

    1.000 - 14.999

    0,01%

    0,01%

    0,02%

    0,03%

    15.000 - 100.000

    0,01%

    0,02%

    0,03%

    0,04%

    Acima de​ 100.000

    0,02%

    0,03%

    0,04%

    0,05%

    ​​​


    Maturity

    30, 90, 180 ou 365 days.

    At application start, the value-date for the debit in the current account and credit in the term deposit account are the same as the staring date. At maturity or early redemption the value-date of the credit in the current account is also the same day.

    Amounts

    Minimum start amounts: MZN 5.000.

    Renewal

    Renewal at the applicable interest rate according with the Bank's Price Schedule at renewal date.

    Early Redemption

    Early redemption is permited (Full or partial), at any moment, with interest penalty according with  the Bank's Price Schedule at redemption date.

    Interest Payment

    Interest are capitalized at term, in the corresponding current account or the term deposit account, according with the selected "Capitalization Option".

    Capitalization Option

    Interest capitalization in the current account is optional, depend on specific choice of the account owner, shared with the Bank at starting moment or after. If this option is selected after application start, it will be applicable for the next interest accrual period.

    Access Conditions

    Businesses and Companie with a current account at the Bank, in the corresponding currency.

    Maturity

    30 dias, 90 dias, 180 dias ou 365 dias.

    At application start, the value-date for the debit in the current account and credit in the term deposit account are the same as the staring date. At maturity or early redemption the value-date of the credit in the current account is also the same day.

    Renewal

    The investment will be automatically renewed at the applicable interest rate according with the Bank's Price Schedule at renewal date.

    Amounts

    Minimum start amounts: MZN5.000/USD 2.000/EUR1.500/ZAR100.0000.

    Additional Contributions

    Not permited.

    Principal Guaranty

    The full principal amount is guaranteed by the bank, at maturity or redemption.

    To apply for a Standard Term Deposit, please visit any of the Bank's Branches or contact your Relationship Manager.

    Applicable Legal Taxes

    Term Deposits Earnings have a 20% stamp tax witholding (código do IRPC Decreto nº 20/02/30/07/2003).